H & R Block Inc (HRB) Stock Analysis
Verdict: HOLD
Record earnings and a 10% dividend hike battle a 'Sell' heavy analyst consensus and high leverage — the cash flow is the shield.
Investment score: 64/100
Analysis as of
Is H & R Block Inc stock worth reviewing? AI model thesis
HRB is a high-yield, low-beta cash machine currently undergoing a technical pullback after an aggressive 66% 90-day run. Fundamentally, the company is outperforming its own guidance and peers in margin efficiency, but technical overextension and insider selling at lower prices suggest waiting for a better entry.
7-factor investment score
- Valuation: 75/100 (weight 20%)
- Financial Health: 60/100 (weight 15%)
- Technical Momentum: 70/100 (weight 15%)
- Earnings Quality: 85/100 (weight 15%)
- Insider Sentiment: 30/100 (weight 10%)
- Analyst Consensus: 40/100 (weight 10%)
- Risk-Adjusted Return: 80/100 (weight 15%)
H & R Block Inc opportunities and risks
What speaks for HRB
- Aggressive Capital Return Program
What speaks against HRB
- Government Competition (Direct File) expansion
Peers and competitors
| Ticker | P/E | P/S | EV/EBITDA | Gross margin | Net margin | FCF yield |
|---|---|---|---|---|---|---|
| HRB | 8.6x | 1.6x | 7.3x | 60.4% | 18.6% | 11.9% |
| SCI | 18.3x | 2.6x | 13.1x | 26.0% | 14.4% | 6.3% |
| LLYVA | n/a | 3.9x | 19.0x | 35.0% | -3.9% | 6.0% |
| FTDR | 21.8x | 2.7x | 12.5x | 52.5% | 12.8% | 6.6% |
| ADT | 9.3x | 1.1x | 4.8x | 51.4% | 12.0% | 32.8% |
| DRVN | 12.0x | 1.2x | 10.7x | 50.6% | 9.9% | 6.4% |
| Peer median | 12.0x | 2.6x | 12.5x | 50.6% | 12.0% | 6.4% |
Frequently asked questions about H & R Block Inc (HRB)
Is HRB stock a good investment?
The cached TradeMates AI model rates H & R Block Inc as HOLD with an investment score of 64/100. HRB is a high-yield, low-beta cash machine currently undergoing a technical pullback after an aggressive 66% 90-day run. Fundamentally, the company is outperforming its own guidance and peers in margin efficiency, but technical overextension and insider selling at lower prices suggest waiting for a better entry. This is algorithmic model output, not personal investment advice.
Is HRB stock a buy?
The TradeMates model verdict for HRB is HOLD with an investment score of 64/100. Treat this as a model signal to review, not a personal buy recommendation.