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H&R Block Inc(HRB)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for HRB
11/13/2026: HRB (4-star) is a STRONG-BUY. BUY for 17 days. Simulated Profits (-0.14%). Updated daily EoD!
H&R Block is a major provider of tax preparation services that maintains a prominent retail footprint while expanding its digital and small business offerings. The company's primary strength lies in its trusted brand and extensive physical network, which provides a durable competitive advantage for complex tax needs. Its main growth story centers on transforming from a seasonal business to a year-round financial services provider, particularly through its small business tools and the Spruce banking platform. Primary risks include technological disruption from digital-only competitors and potential government-sponsored free filing initiatives. The stock may best suit value and dividend investors who appreciate its consistent cash flow and commitment to shareholder returns.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers moderate growth potential through digital and small business service expansion rather than rapid expansion. |
| Momentum investor | Mixed fit | Momentum suitability is conditional on positive technical price trends and sustained growth in digital tax segments. |
| Value investor | Strong fit | The stock is often viewed as a value play due to its stable cash flow, reasonable valuation multiples, and shareholder-friendly capital allocation. |
| Dividend investor | Strong fit | H&R Block provides consistent dividend income and has a history of annual dividend increases. |
| Low-risk investor | Mixed fit | While the business model is stable, revenue is highly seasonal, which can introduce volatility in quarterly performance. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock can experience seasonal volatility tied to the U.S. tax filing cycle and regulatory news. |
| Valuation risk | Low | The company generally trades at moderate valuation multiples relative to historical earnings. |
| Competition risk (Digital/AI) | High | Aggressive competition from digital-first providers and AI-based automation poses a risk to market share and pricing power. |
| Business quality | Medium | The company has a durable brand and established market position but operates in an industry facing secular disruption. |
| Dividend income | Low | The dividend is well-supported by cash flows, making it a reliable income source. |
| Execution risk | Medium | Successfully managing the transition to a year-round service provider is critical to long-term performance. |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.08B USD | Price to earnings Ratio 9.13 | 1Y Target Price 53 |
Price to earnings Ratio 9.13 | 1Y Target Price 53 | ||
Volume (30-day avg) 1.8M shares | Beta 0.41 | 52 Weeks Range 27.23 - 58.14 | Updated Date 11/13/2026 |
52 Weeks Range 27.23 - 58.14 | Updated Date 11/13/2026 | ||
Dividends yield (FY) 3.39% | Basic EPS (TTM) 5.48 |
Sector & Industry Intelligence
Sector
Consumer Cyclical
Constructive- Sentiment
- Strong Bullish
- Momentum
- BUY Breadth Improving
- BUY participation
- 67.4%
- Active BUY / eligible
- 31 / 46
- 30-Day BUY Count Change
- +23
- Market state
- Strong Bullish
More qualifying stocks are receiving or maintaining BUY advisories, indicating improving market participation.
Industry
Personal Services
- BUY participation
- 100.0%
- Active BUY / eligible
- 1 / 1
- 30-Day BUY Count Change
- +1
Eligible universe: 1 stock.
Sector signal summarizes BUY breadth conditions for the sector. It does not override this stock’s BUY, SELL, or PASS advisory.
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 44.88% | Avg. Invested days 71 | Today’s Advisory Strong Buy |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/13/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Assisted Tax Preparation | In-office, personalized tax filing services for individuals and businesses. | The core, high-touch part of the business that generates the majority of revenue during tax season. |
| DIY Tax Solutions | Online and desktop software for self-prepared tax returns. | A digital-focused segment that competes directly with low-cost automated platforms. |
| Small Business Services | Bookkeeping, payroll, and payment solutions (e.g., via Wave). | A growth initiative aimed at making the company's revenue less dependent on tax season. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Valuation
Trailing PE 9.13 | Forward PE 8.05 | Enterprise Value 7.87B | Price to Sales(TTM) 1.53 |
Enterprise Value 7.87B | Price to Sales(TTM) 1.53 | ||
Enterprise Value to Revenue 1.98 | Enterprise Value to EBITDA 7.61 | Shares Outstanding 121.55M | Shares Floating 111.79M |
Shares Outstanding 121.55M | Shares Floating 111.79M | ||
Percent Insiders 0.7 | Percent Institutions 105.14 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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