H&R Block, Inc. — Personal Services. Scored on the same transparent 7-signal model behind the daily rankings.
★
HRB
H&R Block, Inc. · Personal Services
FCF$761mC+
Rev+4.2%C+
D/E——
P/E7.0xA
PEG0.55A-
71.1Score
$39.23$5.0B
1Y Target$42.37Model estimate · no analyst coverage
5Y Target$53.49Compound horizon
10Y Target$68.60Long-dated conviction
FCF$761mTTMC+
FCF $761m — respectable but not differentiating
Rev+4.2%TTM YoYC+
Revenue +4.2% — steady but below market-beating range
D/E——
D/E data unavailable — neutral default
P/E7.0xA
P/E 7.0 — cheapest decile in Consumer Cyclical (≈10th pctile)
PEG0.55A-
PEG 0.55 — strong; Lynch's preferred zone
Forward price target — the 1-year figure is the analyst consensus where the stock is covered; the 5- and 10-year figures compound our earnings estimate from there. The DCF below is a separate cross-check on intrinsic value (what it's worth today), not another target.
Quality-growth score · 71.1
Quality0.80
Growth0.54
Value0.84
Why this score
Buying back stock
Raising its dividend
Durable high returns
Entry · Margin of safety
52-week rangeMid-range
31% off the 12-month high
vs DCF fair value64% belowest. fair value ~$110
Quality signals · context only
Gross profitability64% · Agross profit ÷ total assets (Novy-Marx)
Why now
Personal Services · market cap $5.0b. Down 31% from 52-week high of $57.08 — deep drawdown territory. PEG 0.55 — paying under fair value for the growth rate.
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
Down 31% from the 52-week high — the market is pricing in something the screen can't see; verify the bear case before sizing up. ROE -3034% is below the long-run sustainable threshold of ~10% — capital efficiency would need to improve for the equity base to compound at the market rate.
Horizon
1-3 yr $42.37 (structural (no analyst coverage)) — multiple re-rating thesis requires a catalyst. 5 yr $53.49 at ~6% CAGR — dividend + buyback compounding. 10 yr $68.60 if the moat survives secular pressure.
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.
Score history · HRB
Trend
-1.5 over 14 daily scores
From 72.6 (Jun 22) → 71.1 (now)
One point per daily model run. The range autoscales, so a flat-looking line can still hide 1–2 point moves — read the From → To values for the actual range.
Position sizing · HRB
$
%
%
Shares to buy
50
Position size
$1,961
3.9% of portfolio
Stop price
$29.42
25% below $39.23
$ at risk if stopped
$490.37
budget $500.00 · 1% of portfolio
Math only — share count is floor(portfolio × risk% ÷ (price × stop%)). Doesn't account for commissions, slippage, gap risk, or position-correlation across your book. Inputs persist locally; never sent to the server. Not investment advice.
H&R Block, Inc. (HRB): score, valuation & FAQ
H&R Block, Inc. (HRB) is a Personal Services company that scores 71.1 out of 100 on the Bull Rankings quality-growth model — a solid, above-average reading. The score blends three pillars — quality (durable returns, healthy margins, low leverage), growth (revenue and earnings), and value (valuation versus sector peers) — into one number, refreshed daily; it is a screen, not a buy recommendation.
Its strongest graded signals are P/E (A) and PEG (A-). On valuation, HRB sits about 64% below our discounted-cash-flow fair value (a margin of safety).
Is HRB a good stock to buy?
Bull Rankings scores HRB 71.1 out of 100 on its quality-growth model, which is a solid, above-average reading. That is driven by P/E (A) and PEG (A-). A score is a quantitative screen of H&R Block, Inc.'s fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.
Why does HRB score 71.1 on Bull Rankings?
The quality-growth score blends three pillars — quality (returns on capital, margins, leverage, earnings quality), growth (revenue and earnings expansion), and value (valuation versus sector peers). HRB earns its highest marks on P/E (A) and PEG (A-). Each pillar is graded against sector-aware thresholds, then combined into the single 0–100 score.
Is HRB overvalued or undervalued?
Based on $39.23, HRB sits about 64% below our discounted-cash-flow fair value (a margin of safety). It trades at a 7.0x× P/E (graded A). Discounted-cash-flow estimates are sensitive to growth and discount-rate assumptions, so treat this as a cross-check, not a price target.
What are the main risks of investing in HRB?
Down 31% from the 52-week high — the market is pricing in something the screen can't see; verify the bear case before sizing up. ROE -3034% is below the long-run sustainable threshold of ~10% — capital efficiency would need to improve for the equity base to compound at the market rate.
Bull Rankings is an automated fundamentals screen for research and education. It is not investment advice, and nothing here is a recommendation to buy or sell any security. Do your own research and consider consulting a licensed financial adviser.