H&R Block, Inc. (HRB) Stock Price & Analysis
H&R Block, Inc. (HRB) closed at USD 50.08 on Thursday, October 22, 2026, up 4.70% on the day. The US market is currently closed (pre-market); this is not a live price.
The prior close was USD 47.83; the Oct 22, 2026 session ranged USD 48.41–50.39 on volume of 1,558,293 shares. Market capitalization is $6.13B, with a 52-week range of USD 28.16–58.67 (NYQ). Source: Nexqual, retrieved October 23, 2026 at 09:58 UTC.
Also available as compact Markdown for AI agents: nexqual.com/HRB.md
Key facts (HRB)
- Last four reported quarters (through Jun 30, 2026): revenue $3.95B, net income $734M (18.6% margin), free cash flow $756M (SEC filings).
- Valuation: P/E 8.4x (avg 10.7x at the last 3 fiscal year-ends), net debt $533M.
- Insider open-market sales, last ~7 months: 1 Form 4 filings, $110K; 1 not under a Rule 10b5-1 plan ($110K); 0 by opportunistic insiders, 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
- Analysts: Hold (mean 2.80 on a 1–5 scale) (5 analysts), mean target USD 51.67 (range 36–60).
- Total return with dividends: 1Y +0.1% vs S&P 500 +14.9%; 5Y +140.3% vs S&P 500 +80.3%.
- Next earnings: 2026-11-05, EPS estimate USD -1.41, revenue estimate $212M.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (HRB)
| USD | FY2022 | FY2023 | FY2024 | FY2025 | FY2026 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $3.46B | $3.47B | $3.61B | $3.76B | $3.95B | $3.95B |
| Gross profit | $1.58B | $1.55B | $1.62B | $1.67B | $1.75B | — |
| Net income | $554M | $554M | $595M | $606M | $734M | $734M |
| EPS (diluted) | $3.22 | $3.51 | $4.12 | $4.39 | $5.66 | — |
| Free cash flow | $747M | $752M | $657M | $599M | $756M | $756M |
| Gross margin | 45.7% | 44.6% | 44.8% | 44.5% | 44.3% | — |
| Net margin | 16.0% | 15.9% | 16.5% | 16.1% | 18.6% | 18.6% |
| Revenue growth | — | +0.3% | +4.0% | +4.2% | +4.9% | — |
| Cash + short-term investments | — | $987M | $1.05B | $983M | $959M | — |
| Total debt | $1.49B | $1.49B | $1.49B | $1.49B | $1.49B | — |
Fiscal years end Jun. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (HRB)
P/E 8.4x · P/S 1.6x · EV/Sales 1.7x · P/FCF 8.1x · P/B 52.2x · FCF yield 12.33% · Earnings yield 11.96% · Dividend yield (paid, TTM) 3.44% · Net debt $533M · EV $6.67B
P/E at fiscal year-ends: Jun 2026 6.7x, Jun 2025 12.4x, Jun 2024 13.1x.
Insider sales (SEC Form 4, open-market, last ~7 months) (HRB)
0 of 1 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.
| Trade date | Insider | Role | Shares | Value | % of holdings sold | 10b5-1 plan | Insider type |
|---|---|---|---|---|---|---|---|
| 2026-09-30 | Darling Mark J. | Chief Retail Officer | 2,700 | $110K | 11.1% | No | Too little history (no open-market trades in 2023–2025) |
% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).
Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.
Analysts (HRB)
Consensus Hold (mean 2.80 on a 1–5 scale), 5 analysts; mean target USD 51.67 (low 36, high 60).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-08-12 | Goldman Sachs | Target raised | Sell | $29 → $33 |
| 2026-08-12 | Barrington Research | Target raised | Outperform | $50 → $60 |
| 2026-07-28 | Stephens & Co. | Initiated | Equal-Weight | $47 |
Total return (dividends reinvested) (HRB)
| 1Y (from 2025-10-23) | 5Y (from 2021-10-18) | |
|---|---|---|
| Total return | +0.1% | +140.3% |
| S&P 500 (SPY) | +14.9% | +80.3% |
| Per year | +0.1% | +19.1% |
| Volatility (annualized) | 46.6% | 33.5% |
| Max drawdown | -45.4% (Oct 2025→Feb 2026) | -51.3% (Sep 2024→Apr 2026) |
HRB revenue by product line (quarter ended Jun 30, 2026)
| Line | Revenue | Share of total | YoY |
|---|---|---|---|
| Service revenues | $1.08B | 94.1% | +3.7% |
| — Assisted tax preparation (part of Service revenues) | $714.2M | 62.4% | +4.1% |
| — DIY tax preparation (part of Service revenues) | $148.8M | 13.0% | -2.2% |
| — International (part of Service revenues) | $94.9M | 8.3% | +5.6% |
| — Royalty, product and other revenues (part of Service revenues) | $67.0M | 5.9% | -6.0% |
| — Peace of Mind® Extended Service Plan (part of Service revenues) | $30.5M | 2.7% | -6.0% |
| — Refund Transfers (part of Service revenues) | $23.7M | 2.1% | +6.4% |
| Royalties | $46.3M | 4.0% | -6.6% |
| Other | $21.7M | 1.9% | +19.6% |
| Tax Identity Shield | $17.3M | 1.5% | +15.8% |
| Emerald Card® and SpruceSM | $12.2M | 1.1% | -10.7% |
| Interest and fee income on Emerald Advance® | $2.0M | 0.2% | -15.0% |
| Total revenue | $1.14B | 100% | — |
As tagged by the company in its SEC 10-Q / 10-K filings (XBRL).
HRB suppliers, customers and competitors (named in its 10-K)
| Relationship | Company | Sentence in the filing |
|---|---|---|
| Partner | PATHWARD FINANCIAL, INC. (CASH) | “Revenues are recognized when the Internal Revenue Service (IRS) filing acknowledgment is received and the bank account is established at our bank partner, Pathward®, N.A. (Pathward), a wholly-owned subsidiary of Pathward Financial, Inc.” |
Quoted from the company's 10-K filed Aug 14, 2026.
HRB analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Sep 2026) | $-1.41 | $-1.41 | -0.4% | $212.3M | 4 |
| Next quarter (ends Dec 2026) | $-2.00 | $-2.18 | -8.5% | $209.0M | 4 |
| Current fiscal year (ends Jun 2027) | $6.15 | $5.82 | +5.6% | $4.14B | 5 |
| Next fiscal year (ends Jun 2028) | $6.92 | $7.74 | -10.6% | $4.31B | 5 |
HRB options: expected move
Options price a move of about ±10.1% (±$5.05) by Nov 20, 2026, which includes earnings on Nov 5, 2026. Over the last 8 reports the stock moved ±9% on average.
| Expiration | Days | ATM implied volatility | Expected move |
|---|---|---|---|
| Nov 20, 2026 | 28 | 44.8% | ±10.1% |
| Dec 18, 2026 | 56 | 42.5% | ±13.4% |
| Jan 15, 2027 | 84 | 38.7% | ±14.8% |
| Apr 16, 2027 | 175 | 39.4% | ±21.4% |
| May 21, 2027 | 210 | 40.0% | ±23.7% |
30-day implied volatility 43.7% vs 36.7% realized over the last 30 trading days. Put/call ratio (volume) 1.12. Cboe delayed quotes (15 min). Expected move = at-the-money straddle.
Key Statistics (as of October 23, 2026 at 09:58 UTC)
| Price | USD 50.08 |
|---|---|
| Change | ▲ 4.70% (up) |
| Previous Close | USD 47.83 |
| Open | USD 48.41 |
| Day Range | USD 48.41 – 50.39 |
| 52-Week Range | USD 28.16 – 58.67 |
| Volume | 1,558,293 shares |
| Market Cap | $6.13B |
| Exchange | NYQ |
Technical Analysis (HRB)
Nexqual's technical model rates HRB "BUY" based on 5 bullish and 1 bearish signals across 127 daily candles, as of October 23, 2026 at 09:58 UTC.
| Overall Signal | BUY |
|---|---|
| RSI (14) | 64.42 (neutral) |
| vs SMA50 | Above (USD 47.08) |
| MACD | 1 (positive) |
Analyst Ratings (HRB)
Wall Street analysts rate HRB "Hold" based on 5 analysts, with a mean price target of USD 51.67 (range USD 36–60), per Nexqual as of October 23, 2026 at 09:58 UTC.
| Consensus Rating | Hold |
|---|---|
| Analyst Count | 5 |
| Mean Target | USD 51.67 |
| High Target | USD 60 |
| Low Target | USD 36 |
| Buy / Hold / Sell | 1 / 3 / 1 |
Earnings (HRB)
| Next Earnings Date | 2026-11-05 |
|---|---|
| EPS Estimate | USD -1.41 |
| Revenue Estimate | $212.26M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 2.38 vs est 2.21 ▲ beat |
| 2026-03-31 | USD 6.02 vs est 5.77 ▲ beat |
| 2025-12-31 | USD -1.84 vs est -1.89 ▲ beat |
| 2025-09-30 | USD -1.2 vs est -1.35 ▲ beat |
Source: Nexqual, October 23, 2026 at 09:58 UTC.
Financials & Fundamentals (HRB)
| Total Revenue | $3.95B |
|---|---|
| Revenue Growth (latest quarter, YoY) | +3.00% |
| Gross Margin | +44.33% |
| Operating Margin | +32.91% |
| Profit Margin | +18.59% |
| ROE | +713.54% |
| Debt / Equity | 17.89 |
| Current Ratio | 1.13 |
| Total Cash | $958.71M |
| Total Debt | $2.10B |
| Free Cash Flow (last four quarters to Jun 2026, SEC 10-Q / 10-K) | $756.08M (19.2% of revenue) |
Source: Nexqual, October 23, 2026 at 09:58 UTC.
Financial Health Score (HRB)
Nexqual rates H&R Block, Inc.'s overall financial health "Solid" across five dimensions, as of October 23, 2026 at 09:58 UTC.
| Growth | Mixed — Revenue +4.9% YoY (annual), slow |
|---|---|
| Profitability | Strong — Gross margin 44%, operating 33% (last 12 months) |
| Balance Sheet | Critical — $959M cash and investments vs $1.49B debt (Jun 2026, SEC) |
| Cash Flow | Strong — FCF $756M (last 4 quarters to Jun 2026, SEC), 19% margin |
| Efficiency | Strong — ROE 714%, ROA 17.4% |
Ownership (HRB)
| Insider Ownership | +0.69% |
|---|---|
| Institutional Ownership | +106.26% |
| Shares Outstanding | 122.49M |
| Float | 112.64M |
| Short % of Float | +20.67% |
Source: Nexqual, October 23, 2026 at 09:58 UTC.
Leadership (HRB)
H&R Block, Inc. is led by Curtis A. Campbell, CEO, President & Director, per Nexqual as of October 23, 2026 at 09:58 UTC.
| CEO, President & Director | Curtis A. Campbell |
|---|---|
| Chief Financial Officer | Tiffany L. Mason |
| Chief Strategy & Operations Officer | Scott R. Manuel |
| Senior VP & CTO | Jason Lenhart |
| Chief Marketing Officer | Alicia Chrapaty |
Major Backers & Investors (HRB)
Notable institutional backers of H&R Block, Inc. include FMR, LLC, AQR Capital Management, LLC, Fuller & Thaler Asset Management Inc., according to Nexqual as of October 23, 2026 at 09:58 UTC.
Active Investors
| Investor | Stake |
|---|---|
| FMR, LLC | 12.85% |
| AQR Capital Management, LLC | 7.85% |
| Fuller & Thaler Asset Management Inc. | 3.25% |
| Fidelity | 3.17% |
| Capitol Series Trust-FullerThaler Behavioral Small-Cap Equity Fund | 3.09% |
| Lazard Asset Management LLC | 2.65% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 13.33% |
| Vanguard Group | 9.73% |
| State Street | 3.39% |
| Geode Capital | 2.5% |
Source: Nexqual, October 23, 2026 at 09:58 UTC.
From H&R Block, Inc.'s Latest SEC 10-K Filing (filed 2026-08-14)
Key Strengths & Strategy (as disclosed to the SEC)
- During fiscal year 2026, we also offered U.S. clients a number of additional services, including Refund Transfers (RT), our Peace of Mind® Extended Service Plan (POM), H&R Block Emerald Prepaid Mastercard® (Emerald Card®), SpruceSM, H&R Block Emerald Advance® (EA) term loans, Tax Identity Shield® (TIS), Refund Advance loans (RA), and small business financial solutions.
- We are one of the largest providers of tax return preparation solutions and electronic filing services in the U.S., Canada, and Australia with 22.3 million returns filed by or through H&R Block in fiscal year 2026.
Legal & Regulatory Risks (Item 1A, quoted)
- Regulations promulgated by federal and state regulators may affect our financial services and products businesses in new or unexpected ways, which may impact our ability to offer certain financial services or products or require changes to certain financial services or products.
- Laws and regulations or other regulatory actions could have an adverse effect on our business and our consolidated financial position, results of operations, and cash flows.
- We face legal actions in connection with our various business activities, both past and present, and current or future legal actions may damage our reputation, impair our product offerings, or result in material liabilities and losses.
- Failure to protect our intellectual property rights may harm our competitive position and litigation to protect our intellectual property rights or defend against third party allegations of infringement may be costly.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
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Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 23, 2026 at 09:58 UTC. This page is informational and not investment advice.
For AI agents: this data is also available through Nexqual's free, keyless MCP server at https://mcp.nexqual.com/mcp; every result includes source_url, as_of and cite_as. More: nexqual.com/agents · llms.txt