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Upturn AI SWOT - About
HRB 
H&R Block Inc (HRB)
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Upturn Advisory Summary
09/12/2025: HRB (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
4 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $55
1 Year Target Price $55
| 0 | Strong Buy |
| 1 | Buy |
| 2 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 69% | Avg. Invested days 123 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/12/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.86B USD | Price to earnings Ratio 11.59 | 1Y Target Price 55 |
Price to earnings Ratio 11.59 | 1Y Target Price 55 | ||
Volume (30-day avg) 4 | Beta 0.27 | 52 Weeks Range 46.61 - 63.68 | Updated Date 09/14/2025 |
52 Weeks Range 46.61 - 63.68 | Updated Date 09/14/2025 | ||
Dividends yield (FY) 2.88% | Basic EPS (TTM) 4.42 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 16.11% | Operating Margin (TTM) 33.42% |
Management Effectiveness
Return on Assets (TTM) 15.97% | Return on Equity (TTM) 67.91% |
Valuation
Trailing PE 11.59 | Forward PE 10.27 | Enterprise Value 7902759081 | Price to Sales(TTM) 1.82 |
Enterprise Value 7902759081 | Price to Sales(TTM) 1.82 | ||
Enterprise Value to Revenue 2.1 | Enterprise Value to EBITDA 8.09 | Shares Outstanding 133947000 | Shares Floating 132589217 |
Shares Outstanding 133947000 | Shares Floating 132589217 | ||
Percent Insiders 1.26 | Percent Institutions 95.17 |
Upturn AI SWOT
H&R Block Inc
Company Overview
History and Background
H&R Block, Inc. was founded in 1955 by brothers Henry and Richard Bloch in Kansas City, Missouri. Initially offering bookkeeping services, they quickly shifted focus to tax preparation. Over the years, H&R Block expanded through franchising and the introduction of digital tax solutions, becoming a leading provider of tax preparation services in the United States.
Core Business Areas
- U.S. Assisted Tax: Provides tax preparation services through a network of company-owned and franchise offices, where clients work with tax professionals.
- Small Business: Offers tax, bookkeeping, and payroll solutions to small business owners through Block Advisors and Wave Financial.
- DIY Tax: Provides tax software and online tools that allow individuals to prepare and file their own taxes.
- Global Tax Preparation: Provides tax preparation services in Canada and Australia.
Leadership and Structure
The CEO of H&R Block is Jeffrey J. Jones II. The organizational structure includes various departments such as finance, operations, marketing, and technology, reporting to the CEO and executive leadership team. The board of directors provides oversight and strategic direction.
Top Products and Market Share
Key Offerings
- U.S. Assisted Tax Preparation: In-person tax preparation services offered through a network of offices. H&R Block has a significant market share in this segment, though exact figures fluctuate yearly. Competitors include Liberty Tax Service and smaller independent tax preparation firms. Estimated 13 million returns were prepared by H&R Block assisted tax professionals in fiscal year 2023.
- DIY Tax Software: Tax software and online tools for individuals to prepare their own taxes. H&R Block competes with Intuit's TurboTax and TaxAct. H&R Block has seen growth in this segment. DIY Tax market share is the second largest product offering based on users.
- Small Business Solutions: Provides tax, payroll, and bookkeeping services to small business clients through Block Advisors and Wave Financial. H&R Block has grown in this area. Main competitors include Intuit's Quickbooks and ADP.
Market Dynamics
Industry Overview
The tax preparation industry is characterized by seasonal demand, technological advancements, and regulatory changes. The industry continues to consolidate with larger companies acquiring smaller firms.
Positioning
H&R Block is a leading player in the tax preparation industry, offering a range of services from assisted tax preparation to DIY software. Its competitive advantages include a large network of offices, brand recognition, and a focus on customer service.
Total Addressable Market (TAM)
The tax preparation market is estimated to be around $33 Billion annually. H&R Block is well-positioned to capture a significant portion of this market.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Large network of retail locations
- Experienced tax professionals
- Diverse range of tax solutions
Weaknesses
- Reliance on seasonal demand
- Perception of being more expensive than DIY options
- Slower growth in digital innovation than competitors
- Franchise model can create consistency challenges
Opportunities
- Expansion of small business solutions
- Increased adoption of digital tax preparation
- Partnerships with financial institutions
- Growth in underserved markets
Threats
- Competition from DIY tax software
- Changes in tax laws and regulations
- Economic downturns affecting consumer spending
- Cybersecurity risks and data breaches
Competitors and Market Share
Key Competitors
- INTU
- JKHY
- ADSV
Competitive Landscape
H&R Block's advantages lie in its brand recognition and extensive network of offices. However, it faces strong competition from Intuit's TurboTax in the DIY tax software market. H&R Block is working to differentiate itself through its focus on customer service and small business solutions.
Major Acquisitions
Wave Financial
- Year: 2019
- Acquisition Price (USD millions): 405
- Strategic Rationale: To expand its small business solutions offerings and integrate accounting, banking, and payroll services for small businesses.
Growth Trajectory and Initiatives
Historical Growth: H&R Block has experienced moderate growth in revenue and earnings over the past decade, driven by its core tax preparation business.
Future Projections: Analysts project continued modest revenue growth and stable earnings growth for H&R Block, driven by the growth of its Block Advisors and DIY tax segments. Continued innovation in digital and cloud-based tax prep is expected.
Recent Initiatives: H&R Block has been investing in digital transformation, expanding its small business solutions, and improving the customer experience through enhanced technology.
Summary
H&R Block is a well-established leader in the tax preparation industry with strong brand recognition and a large network of offices. The company's consistent dividend payouts and focus on shareholder returns are positives. However, H&R Block faces competition from DIY tax software and needs to continue to invest in digital transformation and small business solutions to maintain its competitive edge. Changes in tax regulations and economic downturns pose potential risks to the company's financial performance.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (SEC)
- Analyst Reports
- Industry Research Reports
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It should not be considered financial advice. Market conditions and company performance are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About H&R Block Inc
Exchange NYSE | Headquaters Kansas City, MO, United States | ||
IPO Launch date 1986-11-12 | President, CEO & Director Mr. Jeffrey J. Jones II | ||
Sector Consumer Cyclical | Industry Personal Services | Full time employees 4300 | Website https://www.hrblock.com |
Full time employees 4300 | Website https://www.hrblock.com | ||
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.
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