COMPARE · Data as of August 14, 2026
CARG vs HRB
Verdict: Side-by-side breakdown using the Bull Rankings model. CARG scored 82.5, HRB scored 76.9 — CARG leads.
Compare another set
CARG
CarGurus, Inc.
82.5
$37.44 · $3.3B
fundamentals as of
Score gap
5.6
CARG leads
HRB
H&R Block, Inc.
76.9
$53.92 · $6.8B
fundamentals as of
The model, pillar by pillar (0–100 each)
CARG
stronger →← stronger
HRB
88
Qualityreturns · margins · balance sheet
95
85
Growthrevenue & earnings expansion
66
75
Valuevaluation vs sector peers
72
CARG is stronger on 2 of 3 pillars.
Fundamentals, head-to-head
CARG
HRB
$315mC
FCF
$756mC+
+13.9%B+
Rev
+4.9%C+
0.70B+
D/E
—
19.3xB
P/E
9.5xA
1.19B+
PEG
0.73A-
Winner per row is the stronger grade in our model; a tie or a missing value shows no highlight.
Valuation · DCF cross-check
CARG
HRB
37% below
Price vs fair valuelower is cheaper
50% below
~-2%/yr
Growth the price implies10-yr FCF · lower = less priced in
~-9%/yr
+37%
1-yr DCF upside
+78%
+58%
5-yr DCF upside
+100%
+93%
10-yr DCF upside
+138%
The DCF is a cross-check on intrinsic value, separate from the quality-growth score above.
Model signals
CARG
Why this score
- Buying back stock
HRB
Why this score
- Buying back stock
- Raising its dividend
- Durable high returns
The companies
CARGCarGurus, Inc.
Why now
Auto & Truck Dealerships · market cap $3.3b. 9% off the 52-week high of $41.22. Revenue growing +14%, comfortably above the S&P median. 12 sell-side analysts rate this a Buy with a mean 1-yr target of $40.17 (implying +7% upside).
Moat
Net margin 18% beats the market median by a meaningful margin — the company is keeping more of every revenue dollar than the average S&P constituent. ROE 67% — top-decile capital efficiency. Either pricing leverage, low capital intensity, or aggressive buybacks; the durability story depends on which. FCF converts 179% of net income — earnings translate cleanly into cash, a sign that working capital and capex are well-disciplined.
Risk
Mature compounder — the risk is paying up for quality at a moment when growth is decelerating. Watch for sequential revenue + margin trends; the inflection from "compounder" to "ex-compounder" is hard to spot until the multiple already started compressing.
HRBH&R Block, Inc.
Why now
Personal Services · market cap $6.8b. 8% off the 52-week high of $58.67. PEG 0.73 — paying under fair value for the growth rate. 3 sell-side analysts rate this a Hold with a mean 1-yr target of $50.67 (implying -6% upside).
Moat
Net margin 19% beats the market median by a meaningful margin — the company is keeping more of every revenue dollar than the average S&P constituent. FCF converts 103% of net income — earnings translate cleanly into cash, a sign that working capital and capex are well-disciplined.
Risk
Value re-rating depends on a catalyst. Without one — analyst day, divestiture, margin recovery, capital return — the stock can stay cheap on these multiples for years.
Verdict — model-derived comparison
CARG leads HRB by 5.6 points (82.5 to 76.9), its sharpest advantage coming in Rev (grade B+). A contrarian could still prefer HRB, which trades about 50% below our DCF fair value — a margin of safety the score doesn't reward. Note they play different roles — CARG screens as growth, HRB screens as value — so the model rewards different traits for each.
Our AI analyst is busy right now, so this verdict is drawn directly from the pillars, grades and DCF above.
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.
Where CARG and HRB diverge
On the headline score the gap is 5.6 points in favor of CARG. They get there differently, though — each leads on a different pillar, so the better pick depends on which you weight.
- GrowthCARG 85.1 · HRB 66.2CARG +18.9
- QualityCARG 88.0 · HRB 95.5HRB +7.5
- ValueCARG 74.9 · HRB 71.9CARG +3.0
Pillars run 0–100 against sector peers, so a score is a statement about a company relative to its own industry rather than to the other name here. A wide Value gap usually means the market already prices the difference in quality or growth — which is the trade-off this comparison comes down to.