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Upturn AI SWOT - About
HRB 
H&R Block Inc (HRB)
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Upturn Advisory Summary
07/29/2025: HRB (4-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Number of Analysts
4 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $62
1 Year Target Price $62
| 0 | Strong Buy |
| 1 | Buy |
| 2 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 68.99% | 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 07/29/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 7.37B USD | Price to earnings Ratio 13.66 | 1Y Target Price 62 |
Price to earnings Ratio 13.66 | 1Y Target Price 62 | ||
Volume (30-day avg) 4 | Beta 0.25 | 52 Weeks Range 48.85 - 66.71 | Updated Date 07/29/2025 |
52 Weeks Range 48.85 - 66.71 | Updated Date 07/29/2025 | ||
Dividends yield (FY) 2.60% | Basic EPS (TTM) 4.03 |
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 15.2% | Operating Margin (TTM) 42.96% |
Management Effectiveness
Return on Assets (TTM) 15.63% | Return on Equity (TTM) 97.5% |
Valuation
Trailing PE 13.66 | Forward PE 10.85 | Enterprise Value 8513702182 | Price to Sales(TTM) 1.98 |
Enterprise Value 8513702182 | Price to Sales(TTM) 1.98 | ||
Enterprise Value to Revenue 2.31 | Enterprise Value to EBITDA 8.95 | Shares Outstanding 133880000 | Shares Floating 132731720 |
Shares Outstanding 133880000 | Shares Floating 132731720 | ||
Percent Insiders 1.15 | Percent Institutions 97.84 |
Upturn AI SWOT
H&R Block Inc
Company Overview
History and Background
Founded in 1955 by brothers Henry and Richard Bloch, H&R Block initially focused on bookkeeping but transitioned to tax preparation. It grew through franchising and later expanded into software and online services, becoming a leader in the tax preparation industry.
Core Business Areas
- Tax Preparation Services: Provides assisted and DIY tax preparation services, including in-office, virtual, and online options. Services cater to individuals and small businesses.
- Small Business Solutions: Offers small business accounting, payroll, and tax solutions through its Wave Accounting platform.
- Financial Products: Offers various financial products, including refund advances, to its tax preparation clients.
Leadership and Structure
Jeffrey J. Jones II is the President and CEO. The company operates with a traditional corporate structure, with various departments overseeing operations, technology, marketing, and finance.
Top Products and Market Share
Key Offerings
- Assisted Tax Preparation: In-person tax preparation services at H&R Block offices. Market share is significant in the assisted tax preparation market. Competitors include Liberty Tax (TAX), Jackson Hewitt, and local CPA firms. Revenue from this segment constitutes a significant portion of H&R Block's total revenue. Difficult to pinpoint exact revenue.
- DIY Tax Software: H&R Block's online and software products for self-directed tax preparation. Competitors include Intuit's TurboTax (INTU), TaxAct, and TaxSlayer. Again difficult to assess total revenue.
- Wave Accounting: Small business accounting software. Competitors include Intuit's QuickBooks (INTU) and Xero. Revenue is smaller relative to the company's other main segments.
Market Dynamics
Industry Overview
The tax preparation industry is characterized by seasonality, regulatory complexity, and increasing reliance on technology. Consolidation is occurring as larger players acquire smaller firms.
Positioning
H&R Block is a leading player in the tax preparation industry, with a strong brand recognition and a large network of offices and tax professionals. Its competitive advantages include its extensive experience, nationwide presence, and diverse range of service offerings.
Total Addressable Market (TAM)
The IRS processed more than 164 million tax returns in 2023. The paid tax preparation and software market is estimated to be approximately $13 billion annually. H&R Block aims to capture a substantial portion of this TAM through its various service offerings.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Extensive network of offices
- Experienced tax professionals
- Diverse range of service offerings
- Established franchise system
Weaknesses
- Seasonality of business
- Dependence on tax law changes
- Negative perceptions from prior issues, resulting in high marketing expenses
- Competition from low-cost providers
Opportunities
- Expanding online services
- Acquiring smaller tax preparation firms
- Offering additional financial products
- Growing small business solutions
- Targeting underserved markets
Threats
- Increased competition from online providers
- Tax law changes that simplify filing
- Economic downturn impacting tax preparation demand
- Data security breaches
- IRS direct file
Competitors and Market Share
Key Competitors
- INTU
- TAX
Competitive Landscape
H&R Block competes with Intuit's TurboTax in the DIY market and smaller chains like Liberty Tax and Jackson Hewitt in the assisted market. H&R Block's advantages include its brand recognition and extensive network, while Intuit benefits from its software expertise and large user base for their related product lines.
Major Acquisitions
Wave Financial
- Year: 2019
- Acquisition Price (USD millions): 405
- Strategic Rationale: Expanded small business accounting and financial solutions offerings.
Growth Trajectory and Initiatives
Historical Growth: H&R Block's historical growth has been steady, driven by its core tax preparation business and expansion into related services.
Future Projections: Analyst estimates project continued growth, fueled by online services and small business solutions.
Recent Initiatives: Recent initiatives include investments in technology, expansion of online offerings, and acquisitions to expand service capabilities.
Summary
H&R Block is a major player in the tax preparation industry with a strong brand and extensive network. The company faces competition from online providers and needs to adapt to evolving tax laws and technology. While its traditional assisted services remain important, growth depends on expanding its online presence and small business solutions. Continued investment in technology and customer experience will be key to maintaining market share. The IRS Direct File poses a risk.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Industry Reports
- Market Analysis
- SEC filings
- IRS.gov
Disclaimers:
This analysis is based on available data and is not 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 4200 | Website https://www.hrblock.com |
Full time employees 4200 | Website https://www.hrblock.com | ||
H&R Block, Inc., through its subsidiaries, engages in the provision of assisted and do-it-yourself (DIY) tax return preparation services to the general-public primarily in the United States, Canada, and Australia. It offers assisted income tax return preparation and related services through in-person via a system of retail offices operated directly by the company or its franchisees, as well as online and mobile applications, and virtual and desktop software. 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 resulting from errors; H&R Block Emerald Prepaid Mastercard and Spruce, which are debit cards that can be used for everyday purchases, bill payments, 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 through in-person, online, and virtual channels. The company was founded in 1955 and is headquartered in Kansas City, Missouri.
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