H&R Block, Inc. HRB
Composite 70/100; the shares have moved about 54% annualised. Names that move more contribute more risk for the same amount invested, and our composite reflects how strong the evidence for this one is right now.
Its least supportive area is Growth at 60 — still above average.
Quality ranks 82/100 — a strong point in its favour. Income ranks 81/100 — a strong point in its favour. Valuation ranks 77/100 — a strong point in its favour.
Its least supportive area is Growth at 60 — still above average.
What the company does H&R Block provides assisted and DIY tax preparation, refund products, and small business financial solutions across the U.S., Canada, and Australia. Its offerings include in-person offices, online software, and financial tools like the Emerald Prepaid Mastercard and Spruce debit cards.
Key financials H&R Block reports strong profitability with ROE 68%, ROA 17%, and ROCE 44%. Margins are robust: gross 44%, operating 43%, and net 19%. Revenue grew 5% and EPS 24% year-over-year. The balance sheet shows net debt/EBITDA of 1.13x and interest coverage of 12x.
Stock health The stock shows mixed momentum: up 42% over 3 months but down 16% over 12 months. RSI(14) is 62, indicating moderate bullish momentum. Quality and income scores are exceptional (93% income, 87% quality), but growth and momentum lag (52% and 45%).
Price vs fair value HRB trades at a **PREMIUM of 5.17%** to the analyst 12-month target of 42.00 and a **discount of 150.00%** to our fair-value estimate of 110.72. - Recent surge tied to tax season demand and product innovation (StockStory, 2026-07-29) - Simply Wall St. highlights undervaluation despite a 115% 5-year run (Simply Wall St., 2026-07-29) - Analysts question full valuation amid Intuit downgrades and competitive pressure (The Fly, 24/7 Wall St., 2026-07-28)
Looking forward Forward P/E of 7.2x and PEG of 3.8x suggest low valuation relative to growth, but high P/B (73.56) signals market skepticism on asset efficiency. Dividend yield is 4.1% with a sustainable 29% payout ratio. Execution in DIY and fintech integration will drive upside.
This is not investment advice. Sideravia provides automated, data-driven analysis for information and education only. Nothing on this page is a personal recommendation or an invitation to buy or sell any security, and it does not consider your objectives or financial situation. Assessments are generated by rules applied uniformly to every covered stock — how our scores work.
Data as of 2026-09-05, compiled from third-party sources; errors and delays are possible and figures are not warranted. Investing puts your capital at risk; past performance does not predict future results. We publish our full track record, including the calls that lost, and our conflicts of interest.