HRB vs INTU Stock Comparison: AI Score, Valuation, Performance and Upside
H&R Block and Intuit both compete in tax preparation, but H&R Block is a more focused, mature company centered on assisted in-person and DIY tax filing with a capital-light model, while Intuit is a much larger, diversified financial software platform combining TurboTax with QuickBooks small business accounting and Credit Karma consumer finance products.
H&R Block offers a more focused, capital-light tax services business with steady free cash flow and shareholder returns, while Intuit offers a diversified, AI-forward financial software platform with a much larger growth runway. Consider whether you prefer H&R Block's focused, mature tax business or Intuit's broader platform diversification and AI integration.
HRB holds the edge across 3 of 5 key metrics in this comparison. HRB leads on both 1-year return (-12.27%) and forward P/E quality (7.10x vs 12.96x for INTU), a relatively favorable combination of momentum and valuation. On fundamentals, INTU is growing revenue faster (13.70%), while HRB maintains the higher operating margin (32.91%) — a classic growth-versus-profitability split. Analyst consensus implies meaningfully more upside for INTU (+18.26%) than for HRB (+3.27%).
Human Wall Street analysts' price targets, typically implying a ~12-month view — a separate signal from this site's own AI Prediction Signal further down the page, which is a 5-/30-day machine-learning forecast based on price history alone.
- Want exposure to an established, trusted brand in assisted, in-person tax preparation
- Value a more capital-light, mature business model generating consistent free cash flow
- Are comfortable with highly seasonal revenue concentrated in the tax filing season
- Prefer a more focused business over a broader, more complex diversified software platform
- Want diversified exposure across tax preparation, small business accounting, and consumer finance
- Value QuickBooks' large, growing subscription revenue base outside of seasonal tax preparation
- Believe Intuit's AI integration across its product suite will help it lead rather than be disrupted by automation
- Are comfortable paying a premium valuation for a broader, higher-growth financial software platform
| Metric | HRB | INTU |
|---|---|---|
| AI scorei | 38.1 | 49.2 |
| AI ranki | #1424 | #582 |
| Latest closei | $44.25 | $303.19 |
| 1M returni | -15.31% | -16.35% |
| 6M returni | +43.30% | -33.40% |
| 1Y returni | -12.27% | -55.08% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | HRB | INTU |
|---|---|---|
| 1Y ago | $8.77K (-12.3%) started 2025-09-18 | $4.49K (-55.1%) started 2025-09-18 |
| 5Y ago | $17.51K (+75.1%) started 2021-09-20 | $5.74K (-42.6%) started 2021-09-20 |
| 10Y ago | $19.79K (+97.9%) started 2016-09-19 | $31.85K (+218.5%) started 2016-09-19 |
Hypothetical — past performance does not guarantee future results.
| Metric | HRB | INTU |
|---|---|---|
| Market capi | $6.05B | $97.94B |
| Trailing P/Ei | 8.62 | 21.14 |
| Forward P/Ei | 7.10 | 12.96 |
| Price/Salesi | N/A | 11.84 |
| EV/Revenuei | 1.82 | 4.59 |
| Analyst targeti | $50.67 | $423.46 |
| Target upsidei | +3.27% | +18.26% |
| Metric | HRB | INTU |
|---|---|---|
| Revenue growthi | 3.00% | 13.70% |
| Earnings growthi | 4.50% | -0.80% |
| EPS growthi | +4.50% | -0.80% |
| FCF margini | +15.84% | +30.02% |
| Operating margini | 32.91% | 17.64% |
| Profit margini | 18.59% | 21.29% |
| ROIC proxyi | 713.54% | 23.60% |
| Return on equityi | 713.54% | 23.60% |
| Dividend yieldi | 3.75% | 1.54% |
| Payout ratioi | 29.53% | 29.16% |
| Dividend growth streaki | N/A | No increase yet |
| Betai | 0.38 | 0.96 |
| Debt/equityi | 1789.42 | 43.89 |
| Current ratioi | 1.13 | 1.51 |
| Quick ratioi | 1.02 | 0.78 |
Over the past year, HRB and INTU have moved moderately in the same direction (correlation of 0.43), based on daily returns.
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | HRB | INTU |
|---|---|---|---|
| 1Y | Growthi | -12.27% | -55.08% |
| CAGRi | -12.28% | -55.10% | |
| Volatilityi | 46.68% | 49.13% | |
| Sharpe ratioi | -0.15 | -1.47 | |
| Sortino ratioi | -0.26 | -1.84 | |
| Max drawdowni | 46.11% | 63.67% | |
| Current drawdowni | 18.33% | 56.82% | |
| Avg drawdowni | 22.32% | 33.81% | |
| Ulcer Indexi | 26.30% | 39.96% | |
| Max daily dropi | 8.58% | 20.02% | |
| Max wkly dropi | 16.65% | 24.51% | |
| 5Y | Growthi | +75.11% | -43.98% |
| CAGRi | +11.87% | -10.95% | |
| Volatilityi | 34.63% | 38.92% | |
| Sharpe ratioi | 0.36 | -0.22 | |
| Sortino ratioi | 0.58 | -0.30 | |
| Max drawdowni | 57.45% | 68.41% | |
| Current drawdowni | 33.56% | 62.45% | |
| Avg drawdowni | 17.60% | 25.21% | |
| Ulcer Indexi | 22.84% | 30.88% | |
| Max daily dropi | 8.58% | 20.02% | |
| Max wkly dropi | 16.65% | 24.51% | |
| 10Y | Growthi | +97.90% | +197.39% |
| CAGRi | +7.07% | +11.52% | |
| Volatilityi | 36.53% | 34.69% | |
| Sharpe ratioi | 0.25 | 0.36 | |
| Sortino ratioi | 0.36 | 0.51 | |
| Max drawdowni | 62.11% | 68.41% | |
| Current drawdowni | 33.56% | 62.45% | |
| Avg drawdowni | 21.02% | 14.72% | |
| Ulcer Indexi | 25.61% | 22.29% | |
| Max daily dropi | 17.94% | 20.02% | |
| Max wkly dropi | 25.73% | 24.51% |
| Category | HRB | INTU |
|---|---|---|
| Company | H&R Block, Inc. | Intuit Inc. |
| Sector | Consumer Cyclical | Technology |
| Industry | Personal Services | Software - Application |
| Core business | A tax preparation services company offering both assisted, in-person tax filing through its network of retail offices and DIY digital tax software, along with financial services products like Emerald Card. | A financial software company best known for TurboTax (DIY tax preparation), alongside QuickBooks (small business accounting), Credit Karma (consumer finance), and Mailchimp (marketing), increasingly integrating AI across its product suite. |
| Investor focus | Assisted tax return volume trends, DIY digital tax software growth, and capital return through dividends and buybacks. | TurboTax DIY tax software market share, QuickBooks small business subscription growth, Credit Karma monetization, and AI feature adoption across the platform. |
- Established, trusted brand in assisted, in-person tax preparation with a large retail office network
- More capital-light, mature business model generating consistent free cash flow returned to shareholders
- Diversification into small business services and financial products alongside core tax preparation
- Diversified revenue across tax preparation (TurboTax), small business accounting (QuickBooks), and consumer finance (Credit Karma)
- QuickBooks small business platform provides a large, growing subscription revenue base outside of seasonal tax preparation
- Actively integrating AI-powered features across its product suite, positioning it to lead rather than be disrupted by automation
- Highly seasonal revenue concentrated in the tax filing season creates significant quarterly earnings variability
- Facing long-term threat from AI-powered automated tax filing tools that could reduce demand for assisted preparation
- Slower overall growth profile than Intuit's broader, more diversified software platform
- Premium valuation reflects high growth expectations that require continued platform expansion to justify
- TurboTax faces increasing competition from free and low-cost tax filing alternatives, including government-provided options
- Integration execution risk across a growing, increasingly complex multi-product platform
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