Intuit Inc. (INTU) 10-Year Financial Performance & Capital Metrics

INTU • • Industrial / General

TechnologyApplication SoftwareFinancial Technology & PaymentsDigital Banking Platforms

AboutIntuit Inc. provides financial management and compliance products and services for consumers, small businesses, self-employed, and accounting professionals in the United States, Canada, and internationally. The company operates in four segments: Small Business & Self-Employed, Consumer, Credit Karma, and ProConnect. The Small Business & Self-Employed segment provides QuickBooks online services and desktop software solutions comprising QuickBooks Online Advanced, a cloud-based solution; QuickBooks Enterprise, a hosted solution; QuickBooks Self-Employed solution; QuickBooks Commerce, a solution for product-based businesses; QuickBooks Online Accountant and QuickBooks Accountant Desktop Plus solutions; and payroll solutions, such as online payroll processing, direct deposit of employee paychecks, payroll reports, electronic payment of federal and state payroll taxes, and electronic filing of federal and state payroll tax forms. This segment also offers payment-processing solutions, including credit and debit cards, Apple Pay, and ACH payment services; QuickBooks Cash business bank account; and financial supplies and financing for small businesses. The Consumer segment provides TurboTax income tax preparation products and services; and personal finance. The Credit Karma segment offers consumers with a personal finance platform that provides personalized recommendations of home, auto, and personal loans, as well as credit cards and insurance products. The ProConnect segment provides Lacerte, ProSeries, and ProFile desktop tax-preparation software products; and ProConnect Tax Online tax products, electronic tax filing service, and bank products and related services. It sells products and services through various sales and distribution channels, including multi-channel shop-and-buy experiences, websites and call centers, mobile application stores, and retail and other channels. The company was founded in 1983 and is headquartered in Mountain View, California.Show more

Revenue $18.83B +15.6%
EBITDA $5.73B +29.7%
Net Income $3.87B +30.6%
EPS (Diluted) 13.67 +31.1%
Gross Margin 80.76% +2.6%
EBITDA Margin 30.44% +12.2%
Operating Margin 26.14% +17.3%
Net Margin 20.55% +12.9%
ROE 20.29% +22.2%
ROIC 16.46% +28.5%
Debt/Equity 0.34 -5.4%
Interest Coverage 19.93 +32.9%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong 5Y profit CAGR of 16.2%
✓Strong Piotroski F-Score: 9/9
✓FCF machine: 32.3% free cash flow margin
✓14 consecutive years of dividend growth
✓High quality earnings: Operating CF exceeds net income
✓Strong 5Y sales CAGR of 19.7%

✗Weaknesses

✗Trading more than 30% below 52-week high

Price & Volume

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Growth Metrics

Revenue CAGR

10Y16.21%

5Y19.65%

3Y13.95%

TTM17.14%

Profit (Net Income) CAGR

10Y26.63%

5Y16.2%

3Y23.26%

TTM41.08%

EPS CAGR

10Y26.72%

5Y14.59%

3Y23.43%

TTM42.18%

ROCE

10Y Avg34.32%

5Y Avg17.16%

3Y Avg15.74%

Latest19.22%

Peer Comparison

Digital Banking Platforms

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
GWREGuidewire Software, Inc.	14.53B	170.85	210.93	22.64%	7.23%	6%	2.03%	0.49
DAVEDave Inc.	2.26B	185.46	44.26	33.96%	29.87%	50.37%	5.52%	0.41
INTUIntuit Inc.	157.67B	566.60	41.45	15.63%	21.19%	21.31%	3.86%	0.34
CCBCoastal Financial Corporation	1.71B	113.33	34.87	30.92%	7.84%	10.04%	14.58%	0.12
SPNSSapiens International Corporation N.V.	2.43B	43.45	33.68	5.4%	11.4%	12.2%	2.97%	0.13
SSNCSS&C Technologies Holdings, Inc.	21B	86.04	28.68	6.89%	13.86%	12.2%	6.32%	1.09
TBBKThe Bancorp, Inc.	3.06B	69.76	16.26	16.11%	30.63%	29.28%	7.27%	0.16
CWANClearwater Analytics Holdings, Inc.	6.97B	24.14	14.37	22.72%	61.25%	19.6%	0.99%	0.07

Profit & Loss

	Jul 2016	Jul 2017	Jul 2018	Jul 2019	Jul 2020	Jul 2021	Jul 2022	Jul 2023	Jul 2024	Jul 2025
Sales/Revenue+	4.69B	5.18B	6.03B	6.78B	7.68B	9.63B	12.73B	14.37B	16.29B	18.83B
Revenue Growth %	0.12%	0.1%	0.16%	0.13%	0.13%	0.25%	0.32%	0.13%	0.13%	0.16%
Cost of Goods Sold+	752M	809M	977M	1.17B	1.38B	1.68B	2.41B	3.14B	3.46B	3.62B
COGS % of Revenue	0.16%	0.16%	0.16%	0.17%	0.18%	0.17%	0.19%	0.22%	0.21%	0.19%
Gross Profit+	3.94B	4.37B	4.99B	5.62B	6.3B	7.95B	10.32B	11.22B	12.82B	15.21B
Gross Margin %	0.84%	0.84%	0.83%	0.83%	0.82%	0.83%	0.81%	0.78%	0.79%	0.81%
Gross Profit Growth %	0.14%	0.11%	0.14%	0.13%	0.12%	0.26%	0.3%	0.09%	0.14%	0.19%
Operating Expenses+	2.7B	2.97B	3.49B	3.76B	4.13B	5.45B	7.75B	8.08B	9.19B	10.28B
OpEx % of Revenue	0.58%	0.57%	0.58%	0.55%	0.54%	0.57%	0.61%	0.56%	0.56%	0.55%
Selling, General & Admin	1.81B	1.97B	2.3B	2.52B	2.73B	3.63B	4.99B	5.06B	5.73B	6.64B
SG&A % of Revenue	0.38%	0.38%	0.38%	0.37%	0.36%	0.38%	0.39%	0.35%	0.35%	0.35%
Research & Development	881M	998M	1.19B	1.23B	1.39B	1.68B	2.35B	2.54B	2.75B	2.93B
R&D % of Revenue	0.19%	0.19%	0.2%	0.18%	0.18%	0.17%	0.18%	0.18%	0.17%	0.16%
Other Operating Expenses	12M	2M	6M	6M	6M	146M	416M	483M	706M	720M
Operating Income+	1.24B	1.42B	1.56B	1.85B	2.18B	2.5B	2.57B	3.14B	3.63B	4.92B
Operating Margin %	0.26%	0.27%	0.26%	0.27%	0.28%	0.26%	0.2%	0.22%	0.22%	0.26%
Operating Income Growth %	0.68%	0.14%	0.1%	0.19%	0.17%	0.15%	0.03%	0.22%	0.16%	0.36%
EBITDA+	1.48B	1.65B	1.81B	2.08B	2.39B	2.86B	3.32B	3.95B	4.42B	5.73B
EBITDA Margin %	0.32%	0.32%	0.3%	0.31%	0.31%	0.3%	0.26%	0.27%	0.27%	0.3%
EBITDA Growth %	0.53%	0.12%	0.1%	0.15%	0.15%	0.2%	0.16%	0.19%	0.12%	0.3%
D&A (Non-Cash Add-back)	238M	236M	253M	225M	218M	363M	746M	806M	789M	809M
EBIT	1.24B	1.42B	1.59B	1.9B	2.22B	2.58B	2.62B	3.24B	3.79B	5.08B
Net Interest Income+	-39M	-23M	-1M	31M	25M	28M	-17M	-142M	-95M	-72M
Interest Income	0	8M	19M	46M	39M	57M	64M	106M	147M	175M
Interest Expense	39M	31M	20M	15M	14M	29M	81M	248M	242M	247M
Other Income/Expense	-39M	-28M	6M	27M	22M	56M	-29M	-152M	-80M	-89M
Pretax Income+	1.2B	1.39B	1.57B	1.88B	2.2B	2.56B	2.54B	2.99B	3.55B	4.83B
Pretax Margin %	0.26%	0.27%	0.26%	0.28%	0.29%	0.27%	0.2%	0.21%	0.22%	0.26%
Income Tax+	397M	405M	237M	324M	372M	494M	476M	605M	587M	965M
Effective Tax Rate %	0.81%	0.7%	0.85%	0.83%	0.83%	0.81%	0.81%	0.8%	0.83%	0.8%
Net Income+	979M	971M	1.33B	1.56B	1.83B	2.06B	2.07B	2.38B	2.96B	3.87B
Net Margin %	0.21%	0.19%	0.22%	0.23%	0.24%	0.21%	0.16%	0.17%	0.18%	0.21%
Net Income Growth %	1.68%	-0.01%	0.37%	0.17%	0.17%	0.13%	0%	0.15%	0.24%	0.31%
Net Income (Continuing)	806M	985M	1.33B	1.56B	1.83B	2.06B	2.07B	2.38B	2.96B	3.87B
Discontinued Operations	173M	0	0	0	0	0	0	0	0	0
Minority Interest	0	0	0	0	0	0	0	0	0	0
EPS (Diluted)+	3.04	3.72	5.09	5.90	6.92	7.55	7.27	8.42	10.43	13.67
EPS Growth %	1.38%	0.22%	0.37%	0.16%	0.17%	0.09%	-0.04%	0.16%	0.24%	0.31%
EPS (Basic)	3.08	3.78	5.19	5.99	7.00	7.64	7.38	8.48	10.58	13.82
Diluted Shares Outstanding	265M	261M	261M	264M	264M	273M	284M	283M	284M	283M
Basic Shares Outstanding	262M	257M	256M	260M	261M	270M	280M	281M	280M	280M
Dividend Payout Ratio	0.32%	0.36%	0.31%	0.32%	0.31%	0.31%	0.37%	0.37%	0.35%	0.31%

Balance Sheet

	Jul 2016	Jul 2017	Jul 2018	Jul 2019	Jul 2020	Jul 2021	Jul 2022	Jul 2023	Jul 2024	Jul 2025
Total Current Assets+	1.61B	1.42B	2.42B	3.59B	7.98B	5.16B	5.05B	5.56B	9.68B	14.11B
Cash & Short-Term Investments	1.08B	777M	1.72B	2.74B	7.05B	3.87B	3.28B	3.66B	4.07B	4.55B
Cash Only	638M	529M	1.46B	2.12B	6.44B	2.56B	2.8B	2.85B	3.61B	2.88B
Short-Term Investments	442M	248M	252M	624M	608M	1.31B	485M	814M	465M	1.67B
Accounts Receivable	128M	166M	137M	152M	161M	646M	1.05B	1.12B	1.32B	1.98B
Days Sales Outstanding	9.95	11.7	8.3	8.18	7.65	24.48	30.06	28.48	29.52	38.44
Inventory	0	0	0	0	0	0	0	0	0	0
Days Inventory Outstanding	-	-	-	-	-	-	-	-	-	-
Other Current Assets	304M	372M	367M	436M	455M	457M	431M	420M	4.29B	7.57B
Total Non-Current Assets+	2.64B	2.65B	2.77B	2.69B	2.95B	10.36B	22.69B	22.22B	22.45B	22.85B
Property, Plant & Equipment	1.03B	1.03B	812M	780M	960M	1.16B	1.44B	1.44B	1.42B	1.5B
Fixed Asset Turnover	4.55x	5.03x	7.42x	8.70x	8.00x	8.30x	8.86x	9.99x	11.47x	12.54x
Goodwill	1.28B	1.29B	1.61B	1.66B	1.65B	5.61B	13.74B	13.78B	13.84B	13.98B
Intangible Assets	44M	22M	61M	54M	28M	3.25B	7.06B	6.42B	5.82B	5.3B
Long-Term Investments	28M	31M	13M	13M	19M	43M	98M	105M	131M	94M
Other Non-Current Assets	112M	143M	190M	150M	225M	283M	344M	417M	541M	751M
Total Assets+	4.25B	4.07B	5.18B	6.28B	10.93B	15.52B	27.73B	27.78B	32.13B	36.96B
Asset Turnover	1.10x	1.27x	1.16x	1.08x	0.70x	0.62x	0.46x	0.52x	0.51x	0.51x
Asset Growth %	-0.14%	-0.04%	0.27%	0.21%	0.74%	0.42%	0.79%	0%	0.16%	0.15%
Total Current Liabilities+	2.25B	1.94B	1.74B	1.97B	3.53B	2.65B	3.63B	3.79B	7.49B	10.37B
Accounts Payable	184M	157M	178M	274M	305M	623M	737M	638M	721M	792M
Days Payables Outstanding	89.31	70.83	66.5	85.7	80.79	135.11	111.81	74.09	75.95	79.77
Short-Term Debt	512M	50M	50M	50M	1.34B	0	499M	0	499M	0
Deferred Revenue (Current)	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Other Current Liabilities	424M	459M	548M	580M	724M	807M	882M	967M	1.28B	1.27B
Current Ratio	0.72x	0.73x	1.39x	1.83x	2.26x	1.94x	1.39x	1.47x	1.29x	1.36x
Quick Ratio	0.72x	0.73x	1.39x	1.83x	2.26x	1.94x	1.39x	1.47x	1.29x	1.36x
Cash Conversion Cycle	-	-	-	-	-	-	-	-	-	-
Total Non-Current Liabilities+	838M	770M	575M	568M	2.3B	2.99B	7.66B	6.72B	6.21B	6.88B
Long-Term Debt	488M	438M	388M	386M	2.03B	2.03B	6.42B	6.12B	5.54B	5.97B
Capital Lease Obligations	0	0	0	0	221M	380M	542M	480M	458M	597M
Deferred Tax Liabilities	0	0	68M	37M	2M	525M	619M	4M	3M	20M
Other Non-Current Liabilities	146M	130M	-78M	98M	42M	45M	81M	112M	201M	308M
Total Liabilities	3.09B	2.71B	2.32B	2.53B	5.83B	5.65B	11.29B	10.51B	13.7B	17.25B
Total Debt+	1B	488M	438M	436M	3.64B	2.48B	7.54B	6.69B	6.57B	6.64B
Net Debt	362M	-41M	-1.03B	-1.68B	-2.81B	-82M	4.74B	3.84B	2.96B	3.75B
Debt / Equity	0.86x	0.36x	0.19x	0.12x	0.71x	0.25x	0.46x	0.39x	0.36x	0.34x
Debt / EBITDA	0.68x	0.30x	0.24x	0.21x	1.52x	0.87x	2.27x	1.69x	1.49x	1.16x
Net Debt / EBITDA	0.24x	-0.02x	-0.57x	-0.81x	-1.17x	-0.03x	1.43x	0.97x	0.67x	0.66x
Interest Coverage	31.85x	45.74x	78.00x	123.60x	155.43x	86.21x	31.74x	12.67x	15.00x	19.93x
Total Equity+	1.16B	1.35B	2.35B	3.75B	5.11B	9.87B	16.44B	17.27B	18.44B	19.71B
Equity Growth %	-0.5%	0.17%	0.74%	0.59%	0.36%	0.93%	0.67%	0.05%	0.07%	0.07%
Book Value per Share	4.38	5.19	9.02	14.20	19.34	36.15	57.89	61.02	64.92	69.65
Total Shareholders' Equity	1.16B	1.35B	2.35B	3.75B	5.11B	9.87B	16.44B	17.27B	18.44B	19.71B
Common Stock	3M	3M	3M	3M	3M	3M	3M	3M	3M	3M
Retained Earnings	6.69B	7.3B	8.1B	9.62B	10.88B	12.3B	13.58B	15.07B	16.99B	19.67B
Treasury Stock	-9.94B	-10.78B	-11.05B	-11.61B	-11.93B	-12.95B	-14.8B	-16.77B	-18.75B	-21.54B
Accumulated OCI	-32M	-22M	-35M	-36M	-32M	-24M	-60M	-55M	-54M	-50M
Minority Interest	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Jul 2016	Jul 2017	Jul 2018	Jul 2019	Jul 2020	Jul 2021	Jul 2022	Jul 2023	Jul 2024	Jul 2025
Cash from Operations+	1.4B	1.6B	2.11B	2.32B	2.41B	3.25B	3.89B	5.05B	4.88B	6.21B
Operating CF Margin %	0.3%	0.31%	0.35%	0.34%	0.31%	0.34%	0.31%	0.35%	0.3%	0.33%
Operating CF Growth %	-0.07%	0.14%	0.32%	0.1%	0.04%	0.35%	0.2%	0.3%	-0.03%	0.27%
Net Income	625M	971M	1.21B	1.56B	1.83B	2.06B	2.07B	2.38B	2.96B	3.87B
Depreciation & Amortization	238M	236M	253M	225M	218M	363M	746M	806M	789M	809M
Stock-Based Compensation	281M	326M	382M	401M	435M	753M	1.31B	1.71B	1.94B	1.97B
Deferred Taxes	129M	8M	51M	-7M	-179M	-42M	120M	-628M	-554M	-435M
Other Non-Cash Items	-42M	13M	85M	15M	-18M	125M	85M	171M	175M	202M
Working Capital Changes	170M	45M	130M	133M	132M	-11M	-436M	601M	-429M	-206M
Change in Receivables	-20M	5M	5M	11M	-59M	-104M	-31M	106M	-100M	-44M
Change in Inventory	32M	0	-28M	-23M	20M	-65M	0	0	0	0
Change in Payables	-23M	0	12M	90M	33M	206M	-95M	-97M	133M	73M
Cash from Investing+	371M	-85M	-532M	-566M	-97M	-3.96B	-5.42B	-922M	-227M	-2.32B
Capital Expenditures	-522M	-230M	-124M	-155M	-137M	-125M	-229M	-260M	-191M	-124M
CapEx % of Revenue	0.11%	0.04%	0.02%	0.02%	0.02%	0.01%	0.02%	0.02%	0.01%	0.01%
Acquisitions	-	-	-	-	-	-	-	-	-	-
Investments	-	-	-	-	-	-	-	-	-	-
Other Investing	12M	-45M	-52M	18M	15M	-66M	-438M	-303M	-609M	2.6B
Cash from Financing+	-1.94B	-1.63B	-634M	-1.03B	2.03B	-3.18B	1.73B	-4.27B	-397M	-1.51B
Debt Issued (Net)	-	-	-	-	-	-	-	-	-	-
Equity Issued (Net)	-	-	-	-	-	-	-	-	-	-
Dividends Paid	-318M	-353M	-407M	-501M	-561M	-646M	-774M	-889M	-1.03B	-1.19B
Share Repurchases	-	-	-	-	-	-	-	-	-	-
Other Financing	142M	72M	95M	25M	-226M	-187M	96M	-603M	2.71B	2.12B
Net Change in Cash	-	-	-	-	-	-	-	-	-	-
Free Cash Flow+	879M	1.37B	1.99B	2.17B	2.28B	3.13B	3.66B	4.79B	4.63B	6.08B
FCF Margin %	0.19%	0.26%	0.33%	0.32%	0.3%	0.32%	0.29%	0.33%	0.28%	0.32%
FCF Growth %	-0.29%	0.56%	0.45%	0.09%	0.05%	0.37%	0.17%	0.31%	-0.03%	0.31%
FCF per Share	3.32	5.25	7.62	8.22	8.63	11.45	12.89	16.91	16.32	21.49
FCF Conversion (FCF/Net Income)	1.43x	1.65x	1.59x	1.49x	1.32x	1.58x	1.88x	2.12x	1.65x	1.60x
Interest Paid	37M	42M	19M	17M	14M	30M	67M	272M	200M	284M
Taxes Paid	389M	430M	245M	325M	493M	578M	303M	484M	1.88B	1.41B

Key Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	56.05%	77.22%	71.68%	51.02%	41.24%	27.54%	15.71%	14.14%	16.6%	20.29%
Return on Invested Capital (ROIC)	52.52%	75%	88.6%	81.87%	74.71%	31.03%	12.45%	11.14%	12.81%	16.46%
Gross Margin	83.98%	84.37%	82.77%	82.8%	82.06%	82.53%	81.09%	78.13%	78.72%	80.76%
Net Margin	20.86%	18.76%	22.06%	22.95%	23.78%	21.41%	16.23%	16.59%	18.19%	20.55%
Debt / Equity	0.86x	0.36x	0.19x	0.12x	0.71x	0.25x	0.46x	0.39x	0.36x	0.34x
Interest Coverage	31.85x	45.74x	78.00x	123.60x	155.43x	86.21x	31.74x	12.67x	15.00x	19.93x
FCF Conversion	1.43x	1.65x	1.59x	1.49x	1.32x	1.58x	1.88x	2.12x	1.65x	1.60x
Revenue Growth	11.98%	10.29%	16.38%	12.6%	13.19%	25.45%	32.11%	12.9%	13.34%	15.63%

Revenue by Segment

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Global Business Solutions	-	-	-	-	-	-	-	-	-	11.08B
Global Business Solutions Growth	-	-	-	-	-	-	-	-	-	-
Consumer	1.97B	2.14B	2.52B	2.77B	3.14B	3.56B	3.92B	4.13B	4.45B	4.87B
Consumer Growth	-	8.62%	17.45%	10.25%	13.01%	13.62%	9.88%	5.62%	7.50%	9.56%
Credit Karma, Inc	-	-	-	-	-	865M	1.8B	1.63B	1.71B	2.26B
Credit Karma, Inc Growth	-	-	-	-	-	-	108.67%	-9.47%	4.53%	32.49%
Professional Tax	428M	437M	-	-	-	-	-	561M	599M	621M
Professional Tax Growth	-	2.10%	-	-	-	-	-	-	6.77%	3.67%
Small Business & Self-Employed	2.29B	2.6B	2.99B	3.53B	4.05B	4.69B	6.46B	8.04B	9.53B	-
Small Business & Self-Employed Growth	-	13.26%	15.29%	18.00%	14.63%	15.75%	37.80%	24.43%	18.60%	-
ProConnect	-	-	-	-	-	517M	-	-	-	-
ProConnect Growth	-	-	-	-	-	-	-	-	-	-
Strategic Partner	-	-	453M	476M	493M	-	-	-	-	-
Strategic Partner Growth	-	-	-	5.08%	3.57%	-	-	-	-	-

Frequently Asked Questions

Valuation & Price

Intuit Inc. (INTU) has a price-to-earnings (P/E) ratio of 41.4x. This suggests investors expect higher future growth.

Growth & Financials

Intuit Inc. (INTU) reported $19.43B in revenue for fiscal year 2025. This represents a 410% increase from $3.81B in 2012.

Intuit Inc. (INTU) grew revenue by 15.6% over the past year. This is strong growth.

Yes, Intuit Inc. (INTU) is profitable, generating $4.12B in net income for fiscal year 2025 (20.5% net margin).

Dividend & Returns

Yes, Intuit Inc. (INTU) pays a dividend with a yield of 0.74%. This makes it attractive for income-focused investors.

Intuit Inc. (INTU) has a return on equity (ROE) of 20.3%. This is excellent, indicating efficient use of shareholder capital.

Intuit Inc. (INTU) generated $6.35B in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.

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