HRB
H&R Block, Inc.
Consumer Cyclical · Personal Services · NYQ
$38.68
Close 2026-05-28
✓ ETHICAL PASS

UNKNOWN MOAT
HIGH
Data Confidence: 86%
Full financial profile available
Market Cap
$4.9B
Trailing P/E
6.92
Forward P/E
6.64
Rev Growth
+5.3%
Profit Margin
18.9%
ROE
Analyst Target
$39.50
Recommendation
NONE
About H&R Block, Inc.

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. The company its solutions through in-person; a system of retail offices operated directly by the company or its franchisees; and online and mobile applications, virtual, and desktop software. H&R Block, Inc. was incorporated in 1955 and is headquartered in Kansas City, Missouri.

Ethical Screen
Business ActivityPASS
Debt RatioN/A
Cash RatioN/A
Receivables RatioN/A
Revenue Ratio (0.00%)PASS
OverallPASS
Score Ethical: 64.7
Score Valuation: 78.5
Score Quality: 54.2
Score Combined: 53.4

Full Analysis

Opportunity scores, earnings history, insider transactions, institutional holders, analyst consensus, and more.

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Opportunity Scores
Valuation100.0
Quality66.0
Cash Flow100.0
Moat40.0
Balance Sheet50.0
Debt Purity50.0
Liquid Purity50.0
Rev Purity100.0
Compliance100.0
Tier: SILVER · Score: 60.0 · Rank: #496
Insider Transactions
No insider transaction data.
Top Institutional Holders
No institutional holder data.
Additional Fundamentals
Enterprise Value
$6.0B
Price/Book
-199.48
Beta
0.298
Analysts
2
Total Revenue (TTM)
$3.9B
Total Debt
$2.0B
Earnings Growth
+24.2%
Dividend Yield
434.0%
Short Ratio
6.39
Short % Float
0.2%
Employees
4,300

Elite Intelligence

Trade Consideration with position sizing, convergence signals, and risk analysis. Available to Elite members.

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Trade Consideration
The Opportunity
Score 53.4 (P81 — top 18.7% of scored tickers). Unknown Moat. Ethical PASS. 2 analysts at None.
Price: $38.68 | Target: $39.50 (+2%)
Score
53
Moat
Unknown
Conviction
Standard
Upside
+2%
The Fundamentals
Revenue Growth+5.3%
Profit Margin18.9%
Forward P/E6.6
Market Cap$4.9B
Position Sizing Scenarios
Stop: $32.88 (-15%) | Entry: $38.68
SharesCostProfit to TargetR:R
To Consensus ($39.50, 2 analysts)
10$386.80+$8.20 (2%)0.1R
50$1,934.00+$41.00 (2%)0.1R
100$3,868.00+$82.00 (2%)0.1R
Risk Factors
  • Elevated short interest (6.39 days to cover)
The Verdict
H&R Block, Inc. passes all ethical screens and holds a unknown competitive moat.
Quantitative Grade

A single score combining all analytical layers below. A is strongest, D is weakest.

C
Quant Score
49.5
Risk Grade
LOW_RISK
Layers
7
Risk Profile

How much could this ticker lose on a bad day? These metrics measure worst-case scenarios from historical data.

VaR 95%
-3.1%
worst expected daily loss, 19 in 20 days
CVaR 95%
-4.9%
avg loss on the worst 5% of days
Annual Volatility
Sortino Ratio
-0.44
above 1.0 is good
Max Drawdown
-55.5%
Worst Day
Forward Outlook

Based on 10,000 simulated price paths, here is the probability of where this ticker could be in 30, 60, and 90 days.

30d Prob Up
90d Prob Up
Median Return 30d
Liquidity Score
80
Liquidity Grade
HIGHLY LIQUID
Trend & Momentum

What direction is this ticker actually moving, filtered through noise? Is it speeding up or slowing down?

Kalman Trend
Trend Strength
Momentum Signal
HMM Regime
RSI Signal
Technical Signals

Classic chart signals that institutional traders monitor. Golden Cross is bullish, Death Cross is bearish.

MA Crossover
BELOW_200
Bollinger Position
UPPER_HALF
Beta
Relative Volume
2.6x
Short Interest
Financial Health

Is this company financially sound? The Z-Score measures bankruptcy risk. The F-Score measures fundamental strength.

Altman Z-Score
below 1.81 = distress zone
Piotroski F-Score
Earnings Beat Rate
Earnings Consistency
Correlations

These tickers tend to move together (positive) or in opposite directions (negative). Useful for portfolio diversification.

Most Correlated
TickerCorrelation
ADP0.443
PAYX0.442
NP0.408
FDS0.392
MORN0.381
Inverse Correlated
TickerCorrelation
GLIBA-0.264
GLIBK-0.262
BRUN-0.205
PAHC-0.191
ENR.DE-0.184
Seasonality

Does this ticker have consistent patterns on certain days or months? Historical tendencies, not guarantees.

Best Day
Friday
Worst Day
Tuesday
Best Month
May
Worst Month
Feb
Fri-Mon Effect
0.44661307893625024
Momentum Rankings

How does this ticker's recent performance compare to the entire universe? Ranked across 1, 3, 6, and 12-month returns.

1M Return
+21.6%
3M Return
+23.3%
6M Return
-5.3%
12M Return
-30.5%
Momentum Rank
#1351
Momentum Signal
UP

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