H&R Block, Inc (HRB) Fair Value & Analysis
Consumer Cyclical · US · Market cap $5.2B
H&R Block, Inc
HRB · US
Fair value as of: Jul 16, 2026
From 25 valuation models · updated 25 days ago
Share price +18.1% over the past month.
A strong business, screening 71% undervalued on our models.
What matters now
- The rarer combination: high quality (80/100) AND below fair value. That earns a closer look rather than a quick verdict.
- The price is below even our cautious bear case ($53.92). The market is more pessimistic than our downside scenario.
- A fairly wide model range ($53.92 to $101.19) leaves room in how you read the outcome.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 16, 2026.
How to read this chart
60‑month range $18.54 – $62.21 · fair‑value band $53.92 – $101.19 · the $46.19 price screens below the $78.83 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 16, 2026.
Analysis
H&R Block, Inc (HRB) currently trades at $46.19, while our model-based Fair Value estimate is $78.83, implying the stock looks roughly 70.7% undervalued today. The Quality Score stands at 80/100 (high quality), in the Consumer Cyclical sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, H&R Block, Inc generated revenue of $3.9B at a net margin of 18.9%. Revenue grew 5.3% year over year. It earns a return on equity of 67.9%. Net debt stands at $1.3B. Fundamentals as of Jul 16, 2026
Our scenario range runs from $53.92 (bear case) to $101.19 (bull case); at $46.19, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 17% below its 52-week high and 68% above its 52-week low, currently above its 200-day average. For context, the median of 10 Consumer Cyclical peers we cover trades at -16% fair-value upside, at 71%, HRB screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 25 models by family
Widest divergence: Growth Earnings ($83.10) versus Asset-Based ($0.4700). Highest evidence: Growth DCF (80).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 16, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 74 · Market factors (momentum, volatility) 58
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
H&R Block, Inc reported revenue of $3.8B in FY2025 versus $3.5B in FY2021, a compound +2.1%/yr. Reported net income was $606M in FY2025, compounding +2.3%/yr from FY2021.
Watch HRB: get an alert when its fair value changes →
Earlier news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Stocks making big moves yesterday: H&R Block, Corning, Sherwin-Williams, Brown & Brown, and Simpson
- H&R Block (HRB) Shares Skyrocket, What You Need To Know
- H&R Block (HRB) Stock Looks Below Fair Value After A 115% Five Year Run
- H&R Block to Release Fiscal 2026 Results on August 11, 2026
Peer Group
Personal Services · 42 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Personal Services median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Insider activity: 40/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Personal Services stocks, each showing price versus our Fair Value estimate (as of Jul 16, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Rollins, Inc ROL | $44.47 | $21.11 | -53% |
| Service Corporation SCI | $78.72 | $39.27 | -50% |
| Frontdoor, Inc FTDR | $75.69 | $75.55 | -0% |
| Bright Horizons Family Solutions Inc BFAM | $73.99 | $62.41 | -16% |
| Fu Shou Yuan International Group 1448 | HK$2.64 | HK$4.20 | +59% |
| Lungyen Life Service Corporation 5530 | 48.60 TWD | 31.33 TWD | -36% |
| Carriage Services, Inc CSV | $38.29 | $26.63 | -30% |
| Musti Group MUSTI | €14.35 | €14.08 | -2% |
| Uniao Pet Participacoes S.A AUAU3 | R$3.08 | R$1.37 | -56% |
| Propel Funeral Partners Limited PFP | A$3.20 | A$3.25 | +2% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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