HRB · NYSE · STOCK
H&R Block (HRB) Stock Analysis
$44.03
52W $28.16 – $58.67
59/100
$5.58B
7.6
0.39
Is HRB Bullish or Bearish?
Mixed.
Innellis AI committee rates H&R Block (HRB) Watch with a composite score of 59/100
, based on 6 analysts with 67% agreement.
Last updated October 10, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +0.54 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -19.46 from today. The band boundary is 45.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. News Analyst sees a compelling case — news sentiment is positive (+0.40 across 15 articles, 14d). Portfolio Manager remains cautious — sector concentration is already high (hhi 2796.97). This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- P/E of 7.5 is inexpensive for the broad market — Value
- ROE of 250.0% shows genuine earnings power backing the valuation — Value
- Dividend yield of 2.7% pays you to wait — Value
- EPS growing 27.9% YoY — Growth
- 4 consecutive earnings beats -- consistent execution — Growth
- MACD histogram positive -- bullish momentum — Technical
Bear Case
- Price-to-book of 41.1x prices in significant intangible value — Value
- Debt-to-equity of 12.69 adds balance-sheet risk to the value case — Value
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- High leverage (debt-to-equity 12.69) amplifies downside in a stress scenario — Risk
- Bollinger bandwidth of 15.4% signals elevated volatility — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of October 10, 2026
Overall Committee Score
59/100
Agreement
67%
Analysts
6
Conviction
Moderate
Sector Rank
Top 28%
of 178 Consumer Cyclical peers
Value Analyst
neutral
55
/ 100 · High confidence
Fair value -- neither a bargain nor obviously overpriced
+ P/E of 7.5 is inexpensive for the broad market
− Price-to-book of 41.1x prices in significant intangible value
Growth Analyst
bullish
60
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ EPS growing 27.9% YoY
− Growth rate is decelerating quarter over quarter -- the trend line matters more than the level
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ MACD histogram positive -- bullish momentum
Risk Analyst
neutral
45
/ 100 · Moderate confidence
Moderate risk -- no single red flag, but nothing that clearly de-risks the position either
− High leverage (debt-to-equity 12.69) amplifies downside in a stress scenario
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
70
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.40 across 15 articles, 14d)
Portfolio Manager
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2796.97)
Investment Thesis Evolution
Committee score moved marginally from 59.5 to 59.5.
- New bearish signals: 1 appeared.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 1 appeared.
- Bearish pressure eased: 1 signal(s) disappeared.
Analyst-level changes:
- Risk Analyst: +1 bearish signal(s).
- Value Analyst: +1 bullish signal(s).
Comparing 2026-10-09 to 2026-10-10 (1 day apart).
Technical Analysis
RSI (14)
58.7
Neutral
MACD Histogram
0.403
Bullish Momentum
Trend Direction
Sideways
Weekly: Sideways
Market Structure
Hh Hl
Support
$42.34
Resistance
$45.23
Bollinger %B
0.64
Inside Bands
Price vs Moving Averages
EMA 9
$43.08
Above
EMA 21
$43.75
Above
EMA 50
$44.53
Below
EMA 200
$42.44
Above
Fundamental Analysis
Valuation
67
Growth
58
Profitability
98
Financial Health
14
Cash Flow
70
Valuation
P/E Ratio
7.6×
P/B Ratio
47.61×
PEG Ratio
0.28
Dividend Yield
3.90%
52W High
$58.67
52W Low
$28.16
Quality & Growth
ROE
—
ROA
2252.8%
Gross Margin
6035.8%
Operating Margin
2583.4%
Revenue Growth YoY
—
Debt / Equity
17.89
AI Fundamental Assessment
P/E ratio of 7.6 (inexpensive relative to a 15-40x range); Price-to-book of 47.6x; PEG ratio of 0.3 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 624.4%; Return on assets of 22.5%; Net margin of 18.6%; Gross margin of 60.4%; Current ratio of 1.13 (tight short-term liquidity); Debt-to-equity of 17.89; Free cash flow per share is positive (5.95); Most recent quarter beat estimates by 6.5%; 4 consecutive earnings beats; EPS growth decelerating (+427.2% -> -60.5% QoQ); Average YoY EPS growth of 4.8%; Analyst estimates rising over recent quarters
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