HRB · NASDAQ · STOCK
H&R Block
$46.16
52W $28.16 – $55.95
58/100
$5.86B
8.2
0.35
Is HRB Bullish or Bearish?
Bullish.
Innellis AI committee rates H&R Block (HRB) Buy with a composite score of 58/100
, based on 6 analysts with 50% agreement.
Last updated August 09, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +16.64 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -3.36 from today. The band boundary is 60.0, 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. Growth Analyst sees a compelling case — eps growing 37.6% yoy. Risk Analyst remains cautious — high leverage (debt-to-equity 16.80) amplifies downside in a stress scenario. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- P/E of 7.9 is inexpensive for the broad market — Value
- ROE of 336.8% shows genuine earnings power backing the valuation — Value
- Dividend yield of 3.7% pays you to wait — Value
- EPS growing 37.6% YoY — Growth
- 3 consecutive earnings beats -- consistent execution — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
Bear Case
- Price-to-book of 82.7x prices in significant intangible value — Value
- Debt-to-equity of 16.80 adds balance-sheet risk to the value case — Value
- Weekly RSI at 75 -- overbought on the larger timeframe too — Technical
- High leverage (debt-to-equity 16.80) amplifies downside in a stress scenario — Risk
- Current ratio of 0.90 is tight -- limited short-term liquidity cushion — Risk
- Bollinger bandwidth of 22.8% 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 August 09, 2026
Overall Committee Score
58/100
Agreement
50%
Analysts
6
Conviction
Contested
Sector Rank
Top 48%
of 124 Consumer Cyclical peers
Value Analyst
neutral
55
/ 100 · High confidence
Fair value -- neither a bargain nor obviously overpriced
+ P/E of 7.9 is inexpensive for the broad market
− Price-to-book of 82.7x prices in significant intangible value
Growth Analyst
bullish
72
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ EPS growing 37.6% YoY
Technical Analyst
bullish
68
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− Weekly RSI at 75 -- overbought on the larger timeframe too
Risk Analyst
bearish
33
/ 100 · Moderate confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− High leverage (debt-to-equity 16.80) amplifies downside in a stress scenario
Macro Analyst
bullish
70
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
neutral
51
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
− News sentiment is negative (-0.20 across 17 articles, 14d)
Portfolio Manager
neutral
55
/ 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 4 existing position pair(s) are highly correlated already
Investment Thesis Evolution
Committee score moved marginally from 58.4 to 58.4.
Comparing 2026-08-08 to 2026-08-09 (1 day apart).
Technical Analysis
RSI (14)
67.8
Neutral
MACD Histogram
0.212
Bullish Momentum
Trend Direction
Uptrend
Weekly: Sideways
Market Structure
Hh Hl
Support
$45.89
Resistance
$48.74
Bollinger %B
0.81
Inside Bands
Price vs Moving Averages
EMA 9
$45.06
Above
EMA 21
$43.22
Above
EMA 50
$40.49
Above
EMA 200
$40.08
Above
Fundamental Analysis
Valuation
100
Growth
79
Profitability
95
Financial Health
58
Cash Flow
70
Valuation
P/E Ratio
8.2×
P/B Ratio
—
PEG Ratio
0.24
Dividend Yield
3.64%
52W High
$55.95
52W Low
$28.16
Quality & Growth
ROE
—
ROA
1856.0%
Gross Margin
5448.0%
Operating Margin
2618.1%
Revenue Growth YoY
—
Debt / Equity
—
AI Fundamental Assessment
P/E ratio of 8.2 (inexpensive relative to a 15-40x range); Price-to-book of -245.4x; PEG ratio of 0.2 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 681.4%; Return on assets of 18.6%; Net margin of 18.9%; Gross margin of 54.5%; Current ratio of 1.00 (tight short-term liquidity); Debt-to-equity of -83.12; Free cash flow per share is positive (5.88); Most recent quarter beat estimates by 3.3%; 3 consecutive earnings beats; EPS growth accelerating (-53.3% -> +427.2% QoQ); Analyst estimates rising over recent quarters
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