H&R Block, Inc.
HRB · Price history
Price at last available close
$47.98
+$7.64 (+18.94%) 1M
2026-10-27
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Company & revenue
About H&R Block, Inc.
Primary reporting period: 2026-06-30 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
H&R Block, Inc., through its subsidiaries, provides assisted and do-it-yourself (DIY) tax return preparation services in the United States, Canada, and Australia. The company also provides Refund Transfers, that enable clients to receive their tax refunds by their chosen method of disbursement; Peace of Mind extended service plans, that represents clients when audited and assumes the cost; H&R Block Emerald Prepaid Mastercard and Spruce, which are debit cards that can be used for everyday purchases and ATM withdrawals; H&R Block Emerald Advance term loans; Tax Identity Shield that provides clients assistance in helping protect their tax identity and access to services to help restore their tax identity; refund advance loans; and H&R Block Instant Refund. In addition, it offers small business financial solutions to manage finances, including payment processing, payroll, and bookkeeping services.
How they make money
H&R Block generates revenue primarily through tax preparation services, including both assisted in-person/virtual services and DIY online software. The company also earns income from ancillary financial products such as refund transfers, prepaid debit cards, and small-business solutions like bookkeeping, payroll, and payment processing.
Products & services
Tax preparation services (assisted and DIY), Spruce mobile banking, Refund Transfers, Peace of Mind Extended Service Plan, Emerald Prepaid Mastercard, Emerald Advance term loans, Tax Identity Shield, Refund Advance loans, and small business financial solutions (bookkeeping, payroll, advisory, and payment processing).
Brands & revenue mix
Primary brand for tax preparation services.
Separate brand revenue is not available in this research.Source
Brand focused on small-business solutions.
Separate brand revenue is not available in this research.Source
Brand focused on small-business financial solutions.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer concentration
No quantified customer-concentration disclosure is available in the current saved research.
Suppliers, materials & equipment
- Financial institutions — Various financial institutions that provide the capital for loan products and banking services.Source
Competitors
- Tax return preparation firms — Various firms providing tax preparation services.Source
- Accounting firms — Professional accounting firms providing tax services.Source
- Certified public accountants — Licensed CPAs providing tax services.Source
- Governmental organizations — Government entities providing tax filing resources.Source
Strengths
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
60
Fair
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
67
Fair
Financial Strength
61
Business Quality / Moat
92
Management
80
Growth Quality
26
Risk / Durability
60
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
71
Fair
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
65/100
Building Historical Record
Model Score 65/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is mixed across its combined quality, valuation and risk inputs. Review the category scores to identify what is helping or hurting the result.
At today’s price, the WSS valuation framework currently reads as relatively attractive.
The model outlook is currently moderate.
- •Valuation scores attractively
- •Recent buyback activity is present
- •Debt service risk
- •Revenue fundamentals are weak
- •Asset quality is a weaker factor
Company-specific research
Questions worth answering for HRB
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can HRB maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is HRB's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Is HRB's debt load manageable relative to cash generation, interest costs and upcoming maturities?
- •Is HRB's valuation discount tied to a temporary concern or to a longer-term business risk?
Essential Investment Snapshot
Wall Street Score
60
Opportunity Score
71
Market Cap
$5.88B
P/E Ratio
7.0
EPS
$5.80
52-Week High
$58.67
52-Week Low
$28.16
Beta
0.38
Intrinsic Value
$99.77
Analyst Target
$46.50
Shares Outstanding
127.0M
Total Revenue
$3.95B
Total Debt
$2.10B
Dividend Yield (TTM)
3.58%
Liquidation Value / Share
$0.93
Dividend / Share (TTM)
$1.72
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Building upward momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for HRB
Detected from reported data — verify before acting.Dividend history reported
Dividend payments are recorded. Review the dates and regular/special classification below; past payments do not guarantee future dividends.
Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Debt service risk
Interest coverage is low (~-16.0x). Earnings may be strained to cover interest expense.
Community Sentiment
0 active · 0 total callsNo personal call yet on HRB.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Strong brand recognition in tax preparation.
- +Combination of digital innovation and human expertise.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Personal Products & Services industry.
- −Dependence on a seasonal workforce.
- −Substantial competition in tax and financial services.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
4 historical score records availablePrevious Score
60
Sep 28, 2026
Change
Unchanged
Current Score
60
Oct 1, 2026
Category Changes
HRB score was unchanged.
Projected Score
Projected Score
60
Projected Change
0.0 points
Preliminary comparable-period financial changes suggest little change. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
UndervaluedCurrent Price
$47.98
Model Intrinsic Value
$99.77
Difference
−$51.79
-51.9% vs IV
Margin of Safety
51.9%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $3.95B | $3.95B | $3.76B | $3.61B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $1.56B | $2.20B | $2.09B | $1.99B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $2.38B | $1.75B | $1.67B | $1.62B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $119.5M | $0.00 | $119.2M | $108.7M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $589.1M | $841.3M | $846.9M | $813.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $1.36B | $3.04B | $846.9M | $813.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $1.06B | $934.5M | $976.3M | $963.2M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $1.02B | -$1.29B | $828.0M | $805.3M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $80.6M | $80.6M | $78.1M | $79.1M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $853.9M | $853.9M | $781.4M | $762.3M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $117.6M | $117.6M | $172.0M | $164.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $733.6M | $733.6M | $605.8M | $595.3M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $5.80 | $5.78 | $4.52 | $4.18 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 127M | 127M | 134M | 142M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 127M | 127M | 137M | 144M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$1.14B
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$2.31
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
-10.5%
Cash Change
-4.4%
Margin Change
-1.3 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Debt reduced
What Weakened
- Margins contracted
- Cash position declined
Potential Score Impact
Positive indicators included revenue growth, EPS growth, debt levels. Pressure indicators included cash levels, net income margin. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 3.0%. EPS increased 5.0%. Cash declined 4.4%. Total debt declined 10.5%. Net income margin declined by 1.3 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
0
Smart Money
0
Number of Gurus
0
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Log in to view dividend history.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
4 historical recordsHistorical Score Chart
3 of 4 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
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Here's Why H&R Block (HRB) is a Strong Value Stock
Rumor Mill · HRB
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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