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HRB vs INTU
Revenue, margins, valuation, and 5-year total return — side by side.
Software - Application
HRB vs INTU — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ||
|---|---|---|
| Industry | Personal Products & Services | Software - Application |
| Market Cap | $3.81B | $111.18B |
| Revenue (TTM) | $3.79B | $20.12B |
| Net Income (TTM) | $614M | $4.34B |
| Gross Margin | 54.7% | 81.2% |
| Operating Margin | 25.2% | 27.1% |
| Forward P/E | 6.0x | 17.2x |
| Total Debt | $2.03B | $6.64B |
| Cash & Equiv. | $983M | $2.88B |
HRB vs INTU — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| H&R Block, Inc. (HRB) | 100 | 176.6 | +76.6% |
| Intuit Inc. (INTU) | 100 | 133.8 | +33.8% |
Price return only. Dividends and distributions are not included.
Quick Verdict: HRB vs INTU
Each card shows where this stock fits in a portfolio — not just who wins on paper.
HRB carries the broadest edge in this set and is the clearest fit for income & stability and sleep-well-at-night.
- Dividend streak 4 yrs, beta 0.02, yield 4.8%
- Lower volatility, beta 0.02, current ratio 0.90x
- Beta 0.02, yield 4.8%, current ratio 0.90x
INTU is the clearest fit if your priority is growth exposure and long-term compounding.
- Rev growth 15.6%, EPS growth 31.1%, 3Y rev CAGR 14.0%
- 323.4% 10Y total return vs HRB's 107.2%
- 15.6% revenue growth vs HRB's 4.2%
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 15.6% revenue growth vs HRB's 4.2% | |
| Value | Lower P/E (6.0x vs 17.2x) | |
| Quality / Margins | 21.6% margin vs HRB's 16.2% | |
| Stability / Safety | Beta 0.02 vs INTU's 0.61 | |
| Dividends | 4.8% yield, 4-year raise streak, vs INTU's 1.1% | |
| Momentum (1Y) | -36.3% vs HRB's -48.5% | |
| Efficiency (ROA) | 20.9% ROA vs INTU's 12.7%, ROIC 58.3% vs 16.5% |
HRB vs INTU — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
HRB vs INTU — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
Income & Cash Flow (Last 12 Months)
INTU leads this category, winning 6 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
INTU is the larger business by revenue, generating $20.1B annually — 5.3x HRB's $3.8B. INTU is the more profitable business, keeping 21.6% of every revenue dollar as net income compared to HRB's 16.2%. On growth, INTU holds the edge at +17.4% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | ||
|---|---|---|
| RevenueTrailing 12 months | $3.8B | $20.1B |
| EBITDAEarnings before interest/tax | $1.1B | $5.9B |
| Net IncomeAfter-tax profit | $614M | $4.3B |
| Free Cash FlowCash after capex | $524M | $6.8B |
| Gross MarginGross profit ÷ Revenue | +54.7% | +81.2% |
| Operating MarginEBIT ÷ Revenue | +25.2% | +27.1% |
| Net MarginNet income ÷ Revenue | +16.2% | +21.6% |
| FCF MarginFCF ÷ Revenue | +13.8% | +34.0% |
| Rev. Growth (YoY)Latest quarter vs prior year | +11.1% | +17.4% |
| EPS Growth (YoY)Latest quarter vs prior year | -6.1% | +47.9% |
Valuation Metrics
HRB leads this category, winning 5 of 6 comparable metrics.
Valuation Metrics
At 6.8x trailing earnings, HRB trades at a 77% valuation discount to INTU's 29.1x P/E. On an enterprise value basis, HRB's 5.1x EV/EBITDA is more attractive than INTU's 20.1x.
| Metric | ||
|---|---|---|
| Market CapShares × price | $3.8B | $111.2B |
| Enterprise ValueMkt cap + debt − cash | $4.8B | $114.9B |
| Trailing P/EPrice ÷ TTM EPS | 6.84x | 29.14x |
| Forward P/EPrice ÷ next-FY EPS est. | 6.01x | 17.16x |
| PEG RatioP/E ÷ EPS growth rate | — | 2.00x |
| EV / EBITDAEnterprise value multiple | 5.13x | 20.05x |
| Price / SalesMarket cap ÷ Revenue | 1.01x | 5.90x |
| Price / BookPrice ÷ Book value/share | 46.39x | 5.72x |
| Price / FCFMarket cap ÷ FCF | 6.36x | 18.28x |
Profitability & Efficiency
HRB leads this category, winning 6 of 9 comparable metrics.
Profitability & Efficiency
HRB delivers a 6.7% return on equity — every $100 of shareholder capital generates $7 in annual profit, vs $23 for INTU. INTU carries lower financial leverage with a 0.34x debt-to-equity ratio, signaling a more conservative balance sheet compared to HRB's 22.78x. On the Piotroski fundamental quality scale (0–9), INTU scores 9/9 vs HRB's 5/9, reflecting strong financial health.
| Metric | ||
|---|---|---|
| ROE (TTM)Return on equity | +6.7% | +22.8% |
| ROA (TTM)Return on assets | +20.9% | +12.7% |
| ROICReturn on invested capital | +58.3% | +16.5% |
| ROCEReturn on capital employed | +39.4% | +19.2% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 9 |
| Debt / EquityFinancial leverage | 22.78x | 0.34x |
| Net DebtTotal debt minus cash | $1.0B | $3.8B |
| Cash & Equiv.Liquid assets | $983M | $2.9B |
| Total DebtShort + long-term debt | $2.0B | $6.6B |
| Interest CoverageEBIT ÷ Interest expense | 10.72x | 428.27x |
Total Returns (Dividends Reinvested)
HRB leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in HRB five years ago would be worth $16,009 today (with dividends reinvested), compared to $10,614 for INTU. Over the past 12 months, INTU leads with a -36.3% total return vs HRB's -48.5%. The 3-year compound annual growth rate (CAGR) favors HRB at 1.9% vs INTU's -1.2% — a key indicator of consistent wealth creation.
| Metric | ||
|---|---|---|
| YTD ReturnYear-to-date | -28.5% | -36.3% |
| 1-Year ReturnPast 12 months | -48.5% | -36.3% |
| 3-Year ReturnCumulative with dividends | +6.0% | -3.6% |
| 5-Year ReturnCumulative with dividends | +60.1% | +6.1% |
| 10-Year ReturnCumulative with dividends | +107.2% | +323.4% |
| CAGR (3Y)Annualised 3-year return | +1.9% | -1.2% |
Risk & Volatility
Evenly matched — HRB and INTU each lead in 1 of 2 comparable metrics.
Risk & Volatility
HRB is the less volatile stock with a 0.02 beta — it tends to amplify market swings less than INTU's 0.61 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | ||
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.02x | 0.61x |
| 52-Week HighHighest price in past year | $64.62 | $813.70 |
| 52-Week LowLowest price in past year | $28.16 | $342.11 |
| % of 52W HighCurrent price vs 52-week peak | +46.5% | +49.0% |
| RSI (14)Momentum oscillator 0–100 | 47.6 | 51.5 |
| Avg Volume (50D)Average daily shares traded | 2.0M | 3.7M |
Analyst Outlook
Evenly matched — HRB and INTU each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates HRB as "Hold" and INTU as "Buy". Consensus price targets imply 67.4% upside for INTU (target: $667) vs 36.5% for HRB (target: $41). For income investors, HRB offers the higher dividend yield at 4.78% vs INTU's 1.05%.
| Metric | ||
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Buy |
| Price TargetConsensus 12-month target | $41.00 | $666.75 |
| # AnalystsCovering analysts | 16 | 43 |
| Dividend YieldAnnual dividend ÷ price | +4.8% | +1.1% |
| Dividend StreakConsecutive years of raises | 4 | 14 |
| Dividend / ShareAnnual DPS | $1.44 | $4.20 |
| Buyback YieldShare repurchases ÷ mkt cap | +11.5% | +2.5% |
HRB leads in 3 of 6 categories (Valuation Metrics, Profitability & Efficiency). INTU leads in 1 (Income & Cash Flow). 2 tied.
HRB vs INTU: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is HRB or INTU a better buy right now?
For growth investors, Intuit Inc.
(INTU) is the stronger pick with 15. 6% revenue growth year-over-year, versus 4. 2% for H&R Block, Inc. (HRB). H&R Block, Inc. (HRB) offers the better valuation at 6. 8x trailing P/E (6. 0x forward), making it the more compelling value choice. Analysts rate Intuit Inc. (INTU) a "Buy" — based on 43 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — HRB or INTU?
On trailing P/E, H&R Block, Inc.
(HRB) is the cheapest at 6. 8x versus Intuit Inc. at 29. 1x. On forward P/E, H&R Block, Inc. is actually cheaper at 6. 0x.
03Which is the better long-term investment — HRB or INTU?
Over the past 5 years, H&R Block, Inc.
(HRB) delivered a total return of +60. 1%, compared to +6. 1% for Intuit Inc. (INTU). Over 10 years, the gap is even starker: INTU returned +323. 4% versus HRB's +107. 2%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — HRB or INTU?
By beta (market sensitivity over 5 years), H&R Block, Inc.
(HRB) is the lower-risk stock at 0. 02β versus Intuit Inc. 's 0. 61β — meaning INTU is approximately 2536% more volatile than HRB relative to the S&P 500. On balance sheet safety, Intuit Inc. (INTU) carries a lower debt/equity ratio of 34% versus 23% for H&R Block, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — HRB or INTU?
By revenue growth (latest reported year), Intuit Inc.
(INTU) is pulling ahead at 15. 6% versus 4. 2% for H&R Block, Inc. (HRB). On earnings-per-share growth, the picture is similar: Intuit Inc. grew EPS 31. 1% year-over-year, compared to 6. 6% for H&R Block, Inc.. Over a 3-year CAGR, INTU leads at 14. 0% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — HRB or INTU?
Intuit Inc.
(INTU) is the more profitable company, earning 20. 5% net margin versus 16. 1% for H&R Block, Inc. — meaning it keeps 20. 5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: INTU leads at 26. 1% versus 22. 0% for HRB. At the gross margin level — before operating expenses — INTU leads at 80. 8%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is HRB or INTU more undervalued right now?
On forward earnings alone, H&R Block, Inc.
(HRB) trades at 6. 0x forward P/E versus 17. 2x for Intuit Inc. — 11. 2x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for INTU: 67. 4% to $666. 75.
08Which pays a better dividend — HRB or INTU?
All stocks in this comparison pay dividends.
H&R Block, Inc. (HRB) offers the highest yield at 4. 8%, versus 1. 1% for Intuit Inc. (INTU).
09Is HRB or INTU better for a retirement portfolio?
For long-horizon retirement investors, H&R Block, Inc.
(HRB) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 02), 4. 8% yield, +107. 2% 10Y return). Both have compounded well over 10 years (HRB: +107. 2%, INTU: +323. 4%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between HRB and INTU?
These companies operate in different sectors (HRB (Consumer Cyclical) and INTU (Technology)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
In terms of investment character: HRB is a small-cap deep-value stock; INTU is a mid-cap high-growth stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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