H&R Block, Inc. (HRB)
ValueMarkers Composite Index
75% below intrinsic value ($125)
H&R Block, Inc. (HRB) — VMCI valuation read
H&R Block, Inc. (HRB) carries a VMCI composite of 63/100, 13 points above the Consumer Cyclical sector median of 50. Among mid-cap names, that gap places HRB in the top third on the five-pillar weighting (Value 35%, Quality 30%, Integrity 15%, Growth 12%, Risk 8%).
The HRB insider tape has been silent for the past 30 days on Form 4. Where executives neither buy nor sell, the bull and bear cases lean harder on filings cadence and the next earnings line.
**Investor frame.** Value reads HRB trades at 16.0x earnings, 11% below the Consumer Cyclical median of 18.0x, which compresses or extends through the 11.0x EV/EBITDA versus a Consumer Cyclical 12.0x. Quality: ROIC of 10.0% sits 0.0pp above the Consumer Cyclical median (10.0%). Risk: net debt to EBITDA of -1.9x leaves covenant headroom, the line to track on H&R Block, Inc.'s next 10-Q.
HRB rose 0.7% over the trailing 7 days, with a -3.0% read on a 30-day basis.
H&R Block, Inc., through its subsidiaries, provides assisted income tax return preparation and do-it-yourself (DIY) tax return preparation services and products to the general public primarily in the United States, Canada, and Australia. The company offers assisted income tax return preparation and related services through a system of retail offices operated directly by the company or its franchisees. It also provides Refund Transfers and H&R Block Emerald Prepaid Mastercard, which enables clients to receive their tax refunds; Peace of Mind extended service plans; H&R Block Emerald Advance lines of credit; 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; H&R Block Instant Refund; and H&R Block Pay With Refund services. In addition, the company offers small business financial solutions through its company-owned or franchise offices, and online. H&R Block, Inc. was founded in 1955 and is headquartered in Kansas City, Missouri.
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