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Upturn AI SWOT - About
HRB 
H&R Block Inc (HRB)
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Upturn Advisory Summary
10/31/2025: 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 10/31/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.36B USD | Price to earnings Ratio 11.25 | 1Y Target Price 55 |
Price to earnings Ratio 11.25 | 1Y Target Price 55 | ||
Volume (30-day avg) 4 | Beta 0.31 | 52 Weeks Range 46.61 - 63.68 | Updated Date 11/1/2025 |
52 Weeks Range 46.61 - 63.68 | Updated Date 11/1/2025 | ||
Dividends yield (FY) 2.96% | 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 2025-11-06 | When After Market | Estimate -1.35 | 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 11.25 | Forward PE 10.25 | Enterprise Value 7581136479 | Price to Sales(TTM) 1.69 |
Enterprise Value 7581136479 | Price to Sales(TTM) 1.69 | ||
Enterprise Value to Revenue 2.02 | Enterprise Value to EBITDA 7.76 | Shares Outstanding 127867921 | Shares Floating 132586538 |
Shares Outstanding 127867921 | Shares Floating 132586538 | ||
Percent Insiders 1.24 | Percent Institutions 98.13 |
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. Originally a small tax preparation business, it rapidly expanded through franchising and technology adoption, becoming a leading provider of tax services in the United States.
Core Business Areas
- Tax Preparation Services: Provides assisted and DIY tax preparation services to individuals, including in-office, virtual, and online options.
- Small Business Solutions: Offers payroll, bookkeeping, and tax services for small business owners.
- Financial Products: Provides banking products like Spruce mobile banking.
Leadership and Structure
The CEO is Jeff Jones. The company operates with a standard corporate structure including departments for retail tax operations, digital tax solutions, small business services, and corporate functions (finance, legal, HR).
Top Products and Market Share
Key Offerings
- Assisted Tax Preparation: In-office tax preparation services, leverages trained tax professionals. H&R Block has the largest share of assisted tax prep market. Competitors are Liberty Tax, Jackson Hewitt.
- Market Share (%): 23.1
- DIY Tax Software: Online and downloadable tax preparation software. TurboTax dominates this market. H&R Block has a strong presence. Competitors are Intuit (TurboTax), TaxAct.
- Market Share (%): 11.4
- Market Share (%): 1.4
- Small Business Solutions: Services for small business owners include bookkeeping, payroll, and tax prep.Competitors are Intuit (QuickBooks), ADP.
Market Dynamics
Industry Overview
The tax preparation industry is mature and competitive. It's influenced by tax law changes, economic conditions, and technological advancements. The industry is experiencing a shift toward DIY software and online services.
Positioning
H&R Block is a leading tax preparation company, with a strong brand recognition and a large network of retail offices. They aim to balance traditional in-person services with innovative digital solutions.
Total Addressable Market (TAM)
The TAM for tax preparation services in the US is estimated to be over $30 billion annually. H&R Block is well positioned to capitalize on this TAM, leveraging its brand, technology, and scale.
Upturn SWOT Analysis
Strengths
- Strong Brand Recognition
- Large Network of Retail Offices
- Experienced Tax Professionals
- Growing Digital Presence
- Franchise Model
Weaknesses
- Reliance on Seasonal Business
- Brand Perception as Traditional/Outdated
- Franchise Model Complexity
- High Overhead Costs with Retail Presence
- Dependence on Tax Law Complexity
Opportunities
- Expanding Digital Service Offerings
- Targeting Small Business Owners
- Acquiring Smaller Competitors
- Offering Additional Financial Products
- Partnerships with FinTech Companies
Threats
- Competition from Intuit (TurboTax)
- Tax Law Simplification
- Economic Downturn
- Data Security Breaches
- Changing Consumer Preferences
Competitors and Market Share
Key Competitors
- INTU
- JKHY
- WTW
Competitive Landscape
H&R Block faces intense competition from Intuit (TurboTax) in the DIY tax software market. H&R Block's retail presence provides a competitive advantage in assisted tax preparation.
Major Acquisitions
Wave Financial
- Year: 2019
- Acquisition Price (USD millions): 405
- Strategic Rationale: To expand H&R Block's small business solutions offerings by adding Wave's accounting and financial management software.
Growth Trajectory and Initiatives
Historical Growth: H&R Block has experienced moderate growth in revenue over the past decade, primarily driven by price increases and strategic acquisitions.
Future Projections: Analysts project continued modest revenue growth, driven by digital expansion and small business services. EPS is expected to grow at a similar pace.
Recent Initiatives: H&R Block has focused on expanding its digital offerings, including its DIY tax software and mobile app. The company has also invested in small business solutions and financial products.
Summary
H&R Block maintains a strong position in the tax preparation market due to its established brand and extensive retail network. However, it faces intense competition from digital solutions like TurboTax and needs to continue innovating to remain competitive. Their small business solutions represent growth potential, but their success depends on effective execution. The company's financial stability is solid, supported by consistent dividend payouts.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Investor Presentations
- Earnings Call Transcripts
- Market Research Reports
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on your own research and due diligence. 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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