Stock Ratings / Consumer Discretionary / HRB / financials

UNF (65) SCI (49) BFAM (63) RTO (56) ⌘ Pro Terminal →

H&R Block Inc. (HRB) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$49.68 +3.93% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot)

H&R Block Inc. (HRB) earns a Roarable Rating of A- (Buy) with 81/100 RQD Confidence. High-quality cash engine (45% profit margin, 46% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE A- • BUY Cap $6.09B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERBUY • A-

3-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw A- · Rk B+

Each axis scored 0–20

12M PRICE TARGET CONE+10.3% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for HRB)Realized 20D OHLCV Swing Band: ±6.8%

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How HRB Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$598.8M (15.9% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $3.47B

FY24

Rev $3.61B

FY25

Rev $3.76B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$3.76B	44.5%	19%	$605.8M	$598.8M	44.7%
FY 2024	$3.61B	44.8%	19.5%	$595.3M	$657.2M	75%
FY 2023	$3.47B	44.5%	18.8%	$553.7M	$665.6M	20.5%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring HRB)

✓Walkthrough of HRB's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

HRB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +59.85%▲ ASCENDING CHANNEL

2026-11-01O $47.80H $49.68L $47.80C $49.68VOL 1.73M

RES: $65.97SUP: $39.81SMA50: $46.66SMA200: $39.18

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

HRB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 HRB Butterfly Map → + Track HRB →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

-1.0%/yr Implied 5Y Growth

vs. +4.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on HRB today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for HRB. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for HRB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (HRB)

Consumer Discretionary Rank #11 of 304 ⚔️ UNF vs HRB Full Matrix →

1. Head-to-Head Consumer Discretionary Peer Comparison (HRB vs. UNF, SCI, BFAM, RTO)

Industry: Other Consumer Services (12 Tracked Issuers)

Across 304 tracked Consumer Discretionary securities in the Roarable RQD universe, H&R Block Inc. (HRB) ranks #11 by composite RQD confidence (81/100, grade A-) and #228 by equity capitalization ($6.09B). Within this direct 5-issuer industry benchmark cohort, HRB leads on earnings valuation at 10.1x trailing P/E, while HRB leads on capital efficiency and profitability with 46.2% ROIC and 44.5% gross margin. HRB currently leads its immediate peer cohort in composite quantitative strength at 81/100 (A-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
HRB ACTIVE H&R Block Inc.	A-	81/100	10.1x	44.5%	46.2%	+3.93%	$6.09B	Benchmark Subject
UNF Unifirst Corporation	C	65/100	31.4x	36.6%	6.4%	+2.48%	$4.66B	/unf-vs-hrb →
SCI Service Corporation International	D	49/100	18.9x	26.5%	11.9%	-8.70%	$10.27B	/sci-vs-hrb →
BFAM Bright Horizons Family Solutions Inc.	C	63/100	16.9x	23.8%	12.8%	-3.33%	$3.26B	/bfam-vs-hrb →
RTO Rentokil Initial plc American	D+	56/100	32.8x	—	9.9%	+2.06%	$11.73B	/rto-vs-hrb →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-06-30 • CIK 0000012659

In its most recent audited fiscal period (FY2025, filed 2025-06-30), H&R Block Inc. (HRB) reported GAAP revenue of $3.76B (+4.2% vs. FY2024 revenue of $3.61B , and +8.3% cumulative change since FY2023) , GAAP net income of $605.8M, operating cash flow of $680.9M, and free cash flow of $598.8M (-8.9% YoY). On the balance sheet, HRB closed FY2025 with $2.93B in total assets against $2.44B in total debt (Altman Z-Score: 2.73, Piotroski F-Score: 9/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-06-30	$3.76B	$605.8M	$680.9M	$598.8M	$2.93B	$2.44B
FY2024 (FY)	2024-06-30	$3.61B	$595.3M	$720.9M	$657.2M	$2.71B	$1.93B
FY2023 (FY)	2023-06-30	$3.47B	$553.7M	$821.8M	$665.6M	$4.17B	$975.0M

3. HRB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is HRB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, H&R Block Inc. (NYSE: HRB) is rated A- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 81/100 at a spot price of $49.68 (+3.93% 1D, market cap $6.09B). Pillar breakdown: Fundamental Cash Engine 16/20, Institutional 13F & Options Flow 16/20, Executive Insider Alignment 14/20, FRED Macro Regime Fit 17/20, and SEC Balance-Sheet Forensics 18/20. Across 304 tracked Consumer Discretionary issuers, HRB ranks #11 in composite RQD confidence.

How does HRB compare to UNF and SCI in the Consumer Discretionary sector?

Within the Consumer Discretionary sector (Other Consumer Services), HRB carries a Roarable A- (81/100 RQD), trailing P/E of 10.1x, gross margin of 44.5%, and ROIC of 46.2%. By comparison, UNF (Unifirst Corporation) holds a C grade (65/100 RQD, P/E 31.4x, ROIC 6.4%, cap $4.66B) and SCI (Service Corporation International) posts a D grade (49/100 RQD, P/E 18.9x, ROIC 11.9%, cap $10.27B). Among the 5-stock peer group, HRB leads on earnings multiple (10.1x) while HRB leads on capital efficiency (46.2% ROIC).

What are the biggest fundamental strengths and SEC risk factors for HRB?

Per HRB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-06-30, CIK 0000012659), H&R Block Inc. generated $3.76B in revenue (+4.2% YoY), $605.8M in net income, and $598.8M in free cash flow against $2.93B in total assets and $2.44B in total debt. Key quantitative strengths: Strong cash generator (45% profit margin)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is HRB trading relative to its 50-day, 200-day, and 52-week technical levels?

HRB last traded at $49.68 (+3.93% on volume of 1,733,899 shares), positioning the stock +6.47% above its 50-day simple moving average ($46.66) and +26.80% above its 200-day simple moving average ($39.18). Across its 52-week range of $28.16 to $58.67, HRB sits at the 70.5% percentile with a 14-day RSI of 58.5 (BULLISH MOMENTUM) and an implied next-earnings move of ±6.8% ($46.30 to $53.06).

HRB Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

How profitable is H&R Block Inc. (HRB)?

In FY 2025 (10-K), HRB converted $3.8B of revenue into a 44.5% gross margin, 19% operating margin, and $598.8M in free cash flow (15.9% FCF margin).

Direct Sub-Reports: HRB RQD Cockpit HRB 12M Forecast HRB Earnings & Move HRB Dividends & DRIP HRB Insiders & 13F HRB Whale Options HRB Profit Sankey HRB News & Why