LZ vs INTU vs HRB vs BILL vs PAYC

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 8. 4x trailing P/E (7. 2x forward), making it the more compelling value choice. Analysts rate LegalZoom. com, Inc. (LZ) a "Buy" — based on 12 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.

On trailing P/E, H&R Block, Inc.

(HRB) is the cheapest at 8. 4x versus Bill. com Holdings, Inc. at 181. 9x. On forward P/E, H&R Block, Inc. is actually cheaper at 7. 2x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Paycom Software, Inc. wins at 0. 47x versus Intuit Inc. 's 1. 17x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.

Over the past 5 years, H&R Block, Inc.

(HRB) delivered a total return of +82. 4%, compared to -83. 8% for LegalZoom. com, Inc. (LZ). Over 10 years, the gap is even starker: INTU returned +316. 1% versus LZ's -83. 8%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), H&R Block, Inc.

(HRB) is the lower-risk stock at -0. 06β versus Bill. com Holdings, Inc. 's 1. 88β — meaning BILL is approximately -3251% more volatile than HRB relative to the S&P 500. On balance sheet safety, Paycom Software, Inc. (PAYC) carries a lower debt/equity ratio of 9% versus 26% for H&R Block, Inc. — giving it more financial flexibility in a downturn.

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: Bill. com Holdings, Inc. grew EPS 185. 2% year-over-year, compared to -50. 0% for LegalZoom. com, Inc.. Over a 3-year CAGR, BILL leads at 31. 6% 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.

Paycom Software, Inc.

(PAYC) is the more profitable company, earning 22. 1% net margin versus 1. 6% for Bill. com Holdings, Inc. — meaning it keeps 22. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: PAYC leads at 27. 6% versus -5. 5% for BILL. At the gross margin level — before operating expenses — BILL leads at 81. 4%, 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.

The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.

By this metric, Paycom Software, Inc. (PAYC) is the more undervalued stock at a PEG of 0. 47x versus Intuit Inc. 's 1. 17x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, H&R Block, Inc. (HRB) trades at 7. 2x forward P/E versus 17. 4x for Bill. com Holdings, Inc. — 10. 2x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for INTU: 68. 2% to $666. 75.

In this comparison, HRB (3.

9% yield), PAYC (1. 1% yield), INTU (1. 1% yield) pay a dividend. LZ, BILL do not pay a meaningful dividend and should not be held primarily for income.

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. 06), 3. 9% yield, +144. 0% 10Y return). Bill. com Holdings, Inc. (BILL) carries a higher beta of 1. 88 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (HRB: +144. 0%, BILL: +17. 8%), 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.

These companies operate in different sectors (LZ (Industrials) and INTU (Technology) and HRB (Consumer Cyclical) and BILL (Technology) and PAYC (Technology)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.

In terms of investment character: LZ is a small-cap quality compounder stock; INTU is a mid-cap high-growth stock; HRB is a small-cap deep-value stock; BILL is a small-cap quality compounder stock; PAYC is a small-cap deep-value stock. INTU, HRB, PAYC pay a dividend while LZ, BILL do not, making them suitable for different income and tax situations. 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.