NASDAQ · STOCK
H&R Block
$44.06
52W $28.16 – $55.95
54/100
$5.58B
7.8
0.38
Is HRB Bullish or Bearish?
Mixed.
Innellis AI committee rates H&R Block (HRB) Watch with a composite score of 54/100
, based on 7 analysts with 57% agreement.
Last updated July 31, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +6.03 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -13.97 from today. The band boundary is 45.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Growth Analyst sees a compelling case — eps growing 37.6% yoy. Risk Analyst remains cautious — high leverage (debt-to-equity 16.80) amplifies downside in a stress scenario. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- P/E of 7.9 is inexpensive for the broad market — Value
- ROE of 336.8% shows genuine earnings power backing the valuation — Value
- Dividend yield of 3.8% pays you to wait — Value
- EPS growing 37.6% YoY — Growth
- 3 consecutive earnings beats -- consistent execution — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
Bear Case
- Price-to-book of 82.7x prices in significant intangible value — Value
- Debt-to-equity of 16.80 adds balance-sheet risk to the value case — Value
- High leverage (debt-to-equity 16.80) amplifies downside in a stress scenario — Risk
- Current ratio of 0.90 is tight -- limited short-term liquidity cushion — Risk
- Bollinger bandwidth of 20.9% signals elevated volatility — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of July 31, 2026
Overall Committee Score
54/100
Agreement
57%
Analysts
7
Conviction
Contested
Sector Rank
Top 41%
of 124 Consumer Cyclical peers
Value Analyst
neutral
55
/ 100 · High confidence
Fair value -- neither a bargain nor obviously overpriced
+ P/E of 7.9 is inexpensive for the broad market
− Price-to-book of 82.7x prices in significant intangible value
Growth Analyst
bullish
72
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ EPS growing 37.6% YoY
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ MACD histogram positive -- bullish momentum
Risk Analyst
bearish
33
/ 100 · Moderate confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− High leverage (debt-to-equity 16.80) amplifies downside in a stress scenario
Macro Analyst
neutral
58
/ 100 · Moderate confidence
Macro backdrop is mixed or neutral -- not a strong tailwind or headwind either way
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
neutral
53
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2744.14)
Investment Thesis Evolution
Committee score moved marginally from 54.0 to 54.0.
- New bearish signals: 3 appeared.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 2 appeared.
- Bearish pressure eased: 6 signal(s) disappeared.
- Analyst(s) changed stance: Macro Analyst, Technical Analyst.
Analyst-level changes:
- Macro Analyst: stance bullish->neutral; score 65->58 (-8); +1 bullish signal(s).
- Portfolio Manager: +2 bearish signal(s).
- Risk Analyst: +1 bearish signal(s).
- Technical Analyst: stance neutral->bullish; score 54->61 (+8).
- Value Analyst: +1 bullish signal(s).
Comparing 2026-07-30 to 2026-07-31 (1 day apart).
Technical Analysis
RSI (14)
59.7
Neutral
MACD Histogram
0.322
Bullish Momentum
Trend Direction
Sideways
Weekly: Sideways
Market Structure
Hh Hl
Support
$42.34
Resistance
$45.23
Bollinger %B
0.80
Inside Bands
Price vs Moving Averages
EMA 9
$43.27
Above
EMA 21
$41.58
Above
EMA 50
$39.29
Above
EMA 200
$39.79
Above
Fundamental Analysis
Valuation
100
Growth
79
Profitability
9
Financial Health
58
Cash Flow
37
Valuation
P/E Ratio
7.8×
P/B Ratio
—
PEG Ratio
0.23
Dividend Yield
0.04%
52W High
$55.95
52W Low
$28.16
Quality & Growth
ROE
681.4%
ROA
18.6%
Gross Margin
54.5%
Operating Margin
26.2%
Revenue Growth YoY
—
Debt / Equity
—
AI Fundamental Assessment
P/E ratio of 7.8 (inexpensive relative to a 15-40x range); Price-to-book of -233.9x; PEG ratio of 0.2 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 6.8%; Return on assets of 0.2%; Net margin of 0.2%; Gross margin of 0.5%; Current ratio of 1.00 (tight short-term liquidity); Debt-to-equity of -83.12; Free cash flow margin of 0.9% (thin cash generation); Free cash flow per share is positive (5.88); Most recent quarter beat estimates by 3.3%; 3 consecutive earnings beats; EPS growth accelerating (-53.3% -> +427.2% QoQ); Analyst estimates rising over recent quarters
Get the Full HRB Analysis
Interactive charts · Live committee votes · Trade plan · Paper trading · AI Q&A
Open in Terminal →