COMP <GO>
HRB vs MA // FREE CASH FLOW YIELD
H&R Block Inc. (NYSE) VS. Mastercard Incorporated (NYSE) • 15-METRIC TALLY: HRB 7
— MA 6
▲ FREE CASH FLOW YIELD LEADER: HRB
LAST: $49.68 (+3.93%) • MKT CAP: $6.09B
fcf-yield
9.84%
LAST: $635.70 (+4.16%) • MKT CAP: $556.88B
fcf-yield
3.08%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (HRB VS. MA)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | HRB | MA | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 44.50% | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 46.20% | 33.50% | +12.70 | HRB | /roic <GO> |
| EV/EBITDA & P/E Valuation | 10.1x | 29.2x | -19.10 | HRB | /valuation <GO> |
| Free Cash Flow Yield ACTIVE | 9.84% | 3.08% | +6.76 | HRB | /fcf-yield <GO> |
| Operating Margin | 19.70% | 57.60% | -37.90 | MA | /operating-margins <GO> |
| Net Profit Margin | 16.10% | 45.60% | -29.50 | MA | /net-margins <GO> |
| Revenue Growth (YoY) | 4.20% | 16.40% | -12.20 | MA | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 3.24% | 0.49% | +2.75 | HRB | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 2.73 | 11.17 | -8.44 | MA | /balance-sheet <GO> |
| Piotroski F-Score Quality | 9/9 | 8/9 | +1.00 | HRB | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 58.5 | 68.8 | -10.30 | MA | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.04 | 0.90 | +0.14 | HRB | /macro-sensitivity <GO> |
| Forward P/E Multiple | 9.4x | 31.2x | -21.80 | HRB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $6.09B | $556.88B | -$550.79B | MA | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | HRB REV | MA REV | HRB GROSS % | MA GROSS % | HRB FCF | MA FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $3.76B | $32.79B | 44.5% | — | $598.8M | $17.16B |
| FY 2024 | $3.61B | $28.17B | 44.8% | — | $657.2M | $14.31B |
| FY 2023 | $3.47B | $25.10B | — | — | $665.6M | $10.85B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
HRB // BETA 1.04
MA // BETA 0.90