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HRBH&R Block, Inc.Hold5.9·$36.15-1.01%
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H&R Block, Inc. (HRB) Stock Analysis

HoldModerate Confidence

Consumer Cyclical · Personal Services

Hold if already holding. Not a fresh buy at $36.15, but acceptable to hold if already in. Reasons: Concentration risk — Counterparty: Pathward; Analyst target reached - limited upside remaining.

H&R Block provides tax preparation services (assisted and DIY), financial products, and small business solutions in the U.S., Canada, and Australia, with $3.8 billion in consolidated revenues and 11.3 million U.S. assisted tax returns in fiscal 2025. Revenue is heavily seasonal... Read more

$36.15+7.3% A.UpsideScore 5.9/10#2 of 6 Personal Services
QualityF-score8 / 9FCF yield14.18%
IncomeYield4.60%(5y avg 3.24%)Payout29.25%sustainable
Stop $34.44Target $38.85(resistance)A.R:R -1.1:1
Analyst target$39.50+9.3%2 analysts
$38.85our TP
$36.15price
$39.50mean
$29
$50

Hold if already holding. Not a fresh buy at $36.15, but acceptable to hold if already in. Reasons: Concentration risk — Counterparty: Pathward; Analyst target reached - limited upside remaining. Chart setup: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Score 5.9/10, moderate confidence.

Passes 6/9 gates (clean insider activity, no SEC red flags, news events none recent, earnings proximity 57d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and favorable risk/reward ratio and death cross (50MA < 200MA). Suitability: aggressive.

news + 30-day 8-K events · 5-min refresh

Recent developments

updated 2026-06-15
TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Tue, Aug 11, 202657d to earnings· next earnings call

Thesis

Rewards
Strong earnings beat streak (3/4)
High-quality business
Attractive valuation
Risks
Concentration risk — Counterparty: Pathward
Analyst target reached - limited upside remaining
Negative momentum

Key Metrics

P/E (TTM)6.5
P/E (Fwd)6.3
Mkt Cap$4.6B
EV/EBITDA5.7
Profit Mgn18.9%
ROE
Rev Growth5.3%
Beta0.37
Dividend4.60%
Rating analysts11

Quality Signals

Piotroski F8/9MoatNarrow

Options Flow

P/C1.00neutral
IV66%elevated
Max Pain$18-51.6% vs spot

Concentration Risks(10-K Item 1A)

  • HIGHcounterpartyPathward
    10-K Item 1A: 'Pathward®, N.A. (Pathward), a wholly-owned subsidiary of Pathward Financial, Inc., for the issuance of RTs, EAs, RAs, Emerald Cards, and Spruce accounts'

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

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About TrendMatrix. TrendMatrix is a publisher of general securities research and market commentary. We publish on a regular schedule. All content is the same for every subscriber in a tier — we do not provide personalized investment advice and we do not take into account any individual subscriber's financial situation, investment objectives, risk tolerance, tax situation, or holdings.

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Performance. Past performance is not indicative of future results. Performance figures reflect the published model only and do not reflect any individual subscriber's actual results.

Methodology · Editorial policy & full disclaimer

Rating Breakdown

1 floor-breaker·1 ceiling hit

Price action weak — below key moving averages, no momentum carry. Needs a base before trend-continuation setups apply.static

Macd
0.0
Volume
0.0
Obv
1.0
Ma Position
3.0
Rsi
3.5
Volume distribution (falling OBV)Below 200-MA, MA slope -5.3%/30d — confirmed downtrend
GatesMomentum 1.5<4.5A.R:R -1.1=NEGATIVEDeath cross (50MA < 200MA)Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 57d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARSuitability: Aggressive
RSI
37 · Neutral
20D MA 50D MA 200D MADEATH CROSSSupport $35.50Resistance $39.64

Price Targets

$34
$39
A.Upside+7.5%
A.R:R-1.1:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! Target reached (-7.3% upside)
! momentum at 1.5 (below the engine's 4.5 threshold)
! Negative risk/reward — downside exceeds upside

Earnings

B
B
B
M
3/4 beats
Next Earnings2026-08-11 (57d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is HRB stock a buy right now?

Hold if already holding. Not a fresh buy at $36.15, but acceptable to hold if already in. Reasons: Concentration risk — Counterparty: Pathward; Analyst target reached - limited upside remaining. Chart setup: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Target $38.85 (+7.5%), stop $34.44 (−5.0%), A.R:R -1.1:1. Score 5.9/10, moderate confidence.

What is the HRB stock price target?

Take-profit target: $38.85 (+7.3% upside). Target $38.85 (+7.5%), stop $34.44 (−5.0%), A.R:R -1.1:1. Stop-loss: $34.44.

What are the risks of investing in HRB?

Concentration risk — Counterparty: Pathward; Analyst target reached - limited upside remaining; Negative momentum.

Is HRB overvalued or undervalued?

H&R Block, Inc. trades at a P/E of 6.5 (forward 6.3). TrendMatrix value score: 9.6/10. Verdict: Hold.

What do analysts say about HRB?

11 analysts cover HRB with a consensus score of 2.5/5. Average price target: $40.

What does H&R Block, Inc. do?H&R Block provides tax preparation services (assisted and DIY), financial products, and small business solutions in the...

H&R Block provides tax preparation services (assisted and DIY), financial products, and small business solutions in the U.S., Canada, and Australia, with $3.8 billion in consolidated revenues and 11.3 million U.S. assisted tax returns in fiscal 2025. Revenue is heavily seasonal (concentrated February–April) and the company relies on bank partner Pathward for key products including refund transfers, Emerald Cards, and refund advance loans. The company filed 22.8 million total returns globally in fiscal 2025.

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