(HRB) H&R Block - Overview
Stock: Tax Preparation, Refund Transfer, Prepaid Card, Small Business
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.18% |
| Yield on Cost 5y | 9.86% |
| Yield CAGR 5y | 10.41% |
| Payout Consistency | 94.1% |
| Payout Ratio | 24.7% |
| Risk 5d forecast | |
|---|---|
| Volatility | 34.6% |
| Relative Tail Risk | -2.48% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -1.59 |
| Alpha | -42.44 |
| Character TTM | |
|---|---|
| Beta | 0.230 |
| Beta Downside | 0.128 |
| Drawdowns 3y | |
|---|---|
| Max DD | 47.12% |
| CAGR/Max DD | -0.02 |
Description: HRB H&R Block January 07, 2026
H&R Block, Inc. (NYSE: HRB) delivers assisted and do-it-yourself tax-return preparation services across the United States, Canada and Australia, supplemented by ancillary products such as Refund Transfers, audit-protection “Peace of Mind” plans, the Emerald prepaid Mastercard and advance-loan offerings, as well as Tax Identity Shield and Instant Refund services. The firm also provides small-business financial solutions-including payment processing, payroll, and bookkeeping-through a mix of company-run and franchised retail offices, plus online, mobile, virtual and desktop platforms. Founded in 1955, the company is headquartered in Kansas City, Missouri.
Key recent metrics: FY 2023 revenue was approximately $3.6 billion, with diluted EPS of $3.12, and the firm reported a 5 % year-over-year increase in digital-only tax-filings, reflecting accelerating consumer migration to online solutions. A primary economic driver is the size and timing of average tax refunds, which have been trending lower as pandemic stimulus payments wane, potentially compressing volumes for refund-advance and prepaid-card products. Within the broader Specialized Consumer Services sub-industry, competitive pressure from low-cost software players (e.g., Intuit’s TurboTax) is prompting HRB to prioritize its franchise network efficiency and cross-sell small-business services to sustain margin growth.
For a deeper quantitative look at HRB’s valuation metrics and scenario analysis, the ValueRay platform offers a concise data hub worth checking.
Piotroski VR‑10 (Strict, 0-10) 7.0
| Net Income: 612.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.22 > 0.02 and ΔFCF/TA -3.82 > 1.0 |
| NWC/Revenue: -4.65% < 20% (prev -5.09%; Δ 0.44% < -1%) |
| CFO/TA 0.25 > 3% & CFO 652.6m > Net Income 612.5m |
| Net Debt (1.87b) to EBITDA (993.9m): 1.88 < 3 |
| Current Ratio: 0.76 > 1.5 & < 3 |
| Outstanding Shares: last quarter (131.6m) vs 12m ago -5.43% < -2% |
| Gross Margin: 46.90% > 18% (prev 0.45%; Δ 4645 % > 0.5%) |
| Asset Turnover: 145.8% > 50% (prev 142.0%; Δ 3.86% > 0%) |
| Interest Coverage Ratio: 11.01 > 6 (EBITDA TTM 993.9m / Interest Expense TTM 79.7m) |
Altman Z'' 0.86
| A: -0.07 (Total Current Assets 564.2m - Total Current Liabilities 739.6m) / Total Assets 2.62b |
| B: -0.23 (Retained Earnings -609.3m / Total Assets 2.62b) |
| C: 0.34 (EBIT TTM 877.0m / Avg Total Assets 2.59b) |
| D: -0.21 (Book Value of Equity -664.8m / Total Liabilities 3.17b) |
| Altman-Z'' Score: 0.86 = B |
Beneish M -2.94
| DSRI: 1.14 (Receivables 64.1m/54.0m, Revenue 3.77b/3.62b) |
| GMI: 0.95 (GM 46.90% / 44.71%) |
| AQI: 1.00 (AQ_t 0.54 / AQ_t-1 0.54) |
| SGI: 1.04 (Revenue 3.77b / 3.62b) |
| TATA: -0.02 (NI 612.5m - CFO 652.6m) / TA 2.62b) |
| Beneish M-Score: -2.94 (Cap -4..+1) = A |
What is the price of HRB shares?
Over the past week, the price has changed by -13.28%, over one month by -22.88%, over three months by -32.69% and over the past year by -36.01%.
Is HRB a buy, sell or hold?
- StrongBuy: 0
- Buy: 1
- Hold: 2
- Sell: 1
- StrongSell: 0
What are the forecasts/targets for the HRB price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 55 | 63.2% |
| Analysts Target Price | 55 | 63.2% |
| ValueRay Target Price | 30.1 | -10.7% |
HRB Fundamental Data Overview February 03, 2026
P/E Forward = 7.278
P/S = 1.3378
P/B = 73.5597
P/EG = 0.5823
Revenue TTM = 3.77b USD
EBIT TTM = 877.0m USD
EBITDA TTM = 993.9m USD
Long Term Debt = 1.73b USD (from longTermDebt, last quarter)
Short Term Debt = 410.3m USD (from shortTermDebt, last quarter)
Debt = 2.25b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.87b USD (from netDebt column, last quarter)
Enterprise Value = 6.91b USD (5.04b + Debt 2.25b - CCE 376.4m)
Interest Coverage Ratio = 11.01 (Ebit TTM 877.0m / Interest Expense TTM 79.7m)
EV/FCF = 12.00x (Enterprise Value 6.91b / FCF TTM 576.1m)
FCF Yield = 8.33% (FCF TTM 576.1m / Enterprise Value 6.91b)
FCF Margin = 15.28% (FCF TTM 576.1m / Revenue TTM 3.77b)
Net Margin = 16.24% (Net Income TTM 612.5m / Revenue TTM 3.77b)
Gross Margin = 46.90% ((Revenue TTM 3.77b - Cost of Revenue TTM 2.00b) / Revenue TTM)
Gross Margin QoQ = 8.79% (prev 52.03%)
Tobins Q-Ratio = 2.64 (Enterprise Value 6.91b / Total Assets 2.62b)
Interest Expense / Debt = 0.77% (Interest Expense 17.4m / Debt 2.25b)
Taxrate = 22.01% (172.0m / 781.4m)
NOPAT = 684.0m (EBIT 877.0m * (1 - 22.01%))
Current Ratio = 0.76 (Total Current Assets 564.2m / Total Current Liabilities 739.6m)
Debt / Equity = -4.08 (negative equity) (Debt 2.25b / totalStockholderEquity, last quarter -550.9m)
Debt / EBITDA = 1.88 (Net Debt 1.87b / EBITDA 993.9m)
Debt / FCF = 3.25 (Net Debt 1.87b / FCF TTM 576.1m)
Total Stockholder Equity = -381.8m (last 4 quarters mean from totalStockholderEquity)
RoA = 23.69% (Net Income 612.5m / Total Assets 2.62b)
RoE = -160.4% (negative equity) (Net Income TTM 612.5m / Total Stockholder Equity -381.8m)
RoCE = 64.81% (EBIT 877.0m / Capital Employed (Equity -381.8m + L.T.Debt 1.73b))
RoIC = 49.97% (NOPAT 684.0m / Invested Capital 1.37b)
WACC = 4.86% (E(5.04b)/V(7.29b) * Re(6.76%) + D(2.25b)/V(7.29b) * Rd(0.77%) * (1-Tc(0.22)))
Discount Rate = 6.76% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -3.86%
[DCF Debug] Terminal Value 85.80% ; FCFF base≈608.8m ; Y1≈578.1m ; Y5≈552.0m
Fair Price DCF = 116.3 (EV 16.57b - Net Debt 1.87b = Equity 14.70b / Shares 126.4m; r=5.90% [WACC]; 5y FCF grow -6.55% → 2.90% )
EPS Correlation: -13.15 | EPS CAGR: -26.53% | SUE: 4.0 | # QB: 1
Revenue Correlation: 3.16 | Revenue CAGR: 6.84% | SUE: 0.18 | # QB: 0
EPS next Quarter (2026-03-31): EPS=5.75 | Chg30d=+0.000 | Revisions Net=-2 | Analysts=4
EPS current Year (2026-06-30): EPS=4.95 | Chg30d=+0.000 | Revisions Net=+0 | Growth EPS=+6.2% | Growth Revenue=+3.3%
EPS next Year (2027-06-30): EPS=5.47 | Chg30d=+0.000 | Revisions Net=-1 | Growth EPS=+10.4% | Growth Revenue=+3.2%