Value
9.6/10data confidence 83%| Component | Sub-score |
|---|---|
| P/E | 9.7 |
| P/S | 9.5 |
| EV/EBITDA | 8.4 |
| Fwd P/E | 9.8 |
| PEG | 9.9 |
- ▸Forward P/E: 6.3x
- ▸PEG: 0.51
- ▸Attractively valued
HRB · Why this verdict
Why H&R Block (HRB) is rated HOLD
Updated
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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VerdictHOLD
Overall score6.0/10
ConfidenceMEDIUM
MacroNEUTRAL
Per-dimension breakdown
Quality
7.4/10data confidence 100%| Component | Sub-score |
|---|---|
| ROA | 10.0 |
| Gross margin | 4.9 |
| Op margin | 10.0 |
| Net margin | 9.5 |
| Current ratio | 4.0 |
| FCF quality | 6.4 |
| Moat | 5.6 |
| Piotroski F | 8.9 |
- ▸Strong margins: 19%
- ▸Strong Piotroski F-Score: 8/9
Growth
5.3/10data confidence 67%| Component | Sub-score |
|---|---|
| Rev growth | 3.8 |
| EPS growth | 6.8 |
Momentum
2.9/10data confidence 100%| Component | Sub-score |
|---|---|
| RSI | 3.5 |
| MACD | 0.0 |
| OBV | 4.5 |
| MA position | 3.0 |
| Volume | 3.5 |
- ▸Below 200-MA, MA slope -5.4%/30d — confirmed downtrend
Sentiment
5.4/10data confidence 100%| Component | Sub-score |
|---|---|
| Analyst rating | 5.0 |
| Price target | 6.2 |
| erm sentiment | 5.0 |
Insider
5.0/10data confidence 50%| Component | Sub-score |
|---|---|
| materiality | 5.0 |
| holder change | 5.1 |
- ▸No net insider activity — $0 (0.000% of mkt cap)
Peer rank
5.6/10data confidence 80%| Component | Sub-score |
|---|---|
| value rank | 7.3 |
| quality rank | 8.3 |
| growth rank | 1.7 |
- ▸Best-in-class margins
Technical
6.5/10data confidence 100%| Component | Sub-score |
|---|---|
| bollinger | 9.1 |
| support resistance | 7.4 |
| 52w position | 3.0 |
Risk (lower is worse)
3.5/10data confidence 100%| Component | Sub-score |
|---|---|
| short interest | 0.0 |
| days to cover | 4.2 |
| volatility | 4.0 |
| put call | 0.0 |
| implied vol | 2.6 |
| beta | 10.0 |
- ▸High short interest: 23%
- ▸Elevated put/call: 3.00
- ▸High IV: 64%
- ▸Concentration risks: 1 HIGH (10-K Item 1A — sized via position_sizing, validated via buy_confidence)
Catalyst
5.2/10data confidence 100%| Component | Sub-score |
|---|---|
| erm | 5.0 |
| earnings history | 6.7 |
| earnings timing | 5.0 |
| surprise avg | 2.3 |
| dividend safety | 7.0 |
- ▸Strong earnings: 3B/1M
- ▸Dividend: 460.0%
How the verdict was assembled
Engine trigger
Maintain position. Not compelling to add more.
Engine technical detail
verdict_path:
L4:PATH_F_HOLDPassed (6)
- INSIDER:OK
- 8K:CLEAN
- NEWS_EVENTS:NONE_RECENT
- EARNINGS_PROXIMITY:59d clear
- SEMI_CYCLE_PEAK:CLEAR
- MATERIALS_CYCLE_PEAK:CLEAR
Failed (3)
- MOMENTUM:2.9<4.5
- ASYMMETRY:-1.2=NEGATIVE
- DEATH_CROSS:HARD_BLOCK
Warning (0)
none
Reward-to-Risk
-1.19
Upside
-8.1%
Downside
6.8%
Sizing output
AVOID
SetupUNKNOWN — No clear chart pattern; technical signals are mixed
EdgeNO_EDGE — No clear edge identified
SuitabilityAGGRESSIVE — MCap $4.6B<$5B
Investment implication
None of the engine's positive-conviction paths (C-quality, D-momentum) triggered — the F-path HOLD reflects balanced signals. Strongest-cleared gate: INSIDER:OK. Top dim: Value at 9.6; weakest: Momentum at 2.9. No conviction either direction.
The strongest dimensions are Value at 9.6, Quality at 7.4, and Technical at 6.5; the weakest are Momentum at 2.9, Risk (lower is worse) at 3.5, and Insider at 5.0. The V9 engine flagged 3 failed gates, producing an asymmetric reward-to-risk of -1.19 and an engine sizing output of AVOID.