WallStSmart

Amazon.com Inc (AMZN)vsH&R Block Inc (HRB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Amazon.com Inc generates 18814% more annual revenue ($716.92B vs $3.79B). HRB leads profitability with a 16.2% profit margin vs 10.8%. HRB appears more attractively valued with a PEG of 0.59. HRB earns a higher WallStSmart Score of 67/100 (B-).

AMZN

Buy

59

out of 100

Grade: C

Growth: 6.7Profit: 6.5Value: 3.3Quality: 6.0
Piotroski: 3/9Altman Z: 2.33

HRB

Strong Buy

67

out of 100

Grade: B-

Growth: 6.0Profit: 7.5Value: 8.0Quality: 5.3
Piotroski: 5/9Altman Z: 1.99
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

AMZNSignificantly Overvalued (-66.2%)

Margin of Safety

-66.2%

Fair Value

$159.49

Current Price

$265.06

$105.57 premium

UndervaluedFair: $159.49Overvalued
HRBUndervalued (+5.7%)

Margin of Safety

+5.7%

Fair Value

$31.63

Current Price

$31.43

$0.20 discount

UndervaluedFair: $31.63Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AMZN3 strengths · Avg: 9.7/10
Market CapQuality
$2.85T10/10

Mega-cap, among the largest globally

Free Cash FlowQuality
$14.94B10/10

Generating 14.9B in free cash flow

Return on EquityProfitability
22.3%9/10

Every $100 of equity generates 22 in profit

HRB4 strengths · Avg: 9.0/10
P/E RatioValuation
7.3x10/10

Attractively priced relative to earnings

Return on EquityProfitability
67.9%10/10

Every $100 of equity generates 68 in profit

PEG RatioValuation
0.598/10

Growing faster than its price suggests

EPS GrowthGrowth
21.6%8/10

Earnings expanding 21.6% YoY

Areas to Watch

AMZN3 concerns · Avg: 3.7/10
PEG RatioValuation
1.904/10

Expensive relative to growth rate

P/E RatioValuation
31.7x4/10

Premium valuation, high expectations priced in

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

HRB3 concerns · Avg: 2.3/10
Altman Z-ScoreHealth
1.994/10

Grey zone — moderate risk

Free Cash FlowQuality
$-649.50M2/10

Negative free cash flow — burning cash

Operating MarginProfitability
-150.3%1/10

Operating margin of -150.3%

Comparative Analysis Report

WallStSmart Research

Bull Case : AMZN

The strongest argument for AMZN centers on Market Cap, Free Cash Flow, Return on Equity. Revenue growth of 13.6% demonstrates continued momentum.

Bull Case : HRB

The strongest argument for HRB centers on P/E Ratio, Return on Equity, PEG Ratio. Profitability is solid with margins at 16.2% and operating margin at -150.3%. Revenue growth of 11.1% demonstrates continued momentum.

Bear Case : AMZN

The primary concerns for AMZN are PEG Ratio, P/E Ratio, Piotroski F-Score.

Bear Case : HRB

The primary concerns for HRB are Altman Z-Score, Free Cash Flow, Operating Margin.

Key Dynamics to Monitor

AMZN profiles as a value stock while HRB is a mature play — different risk/reward profiles.

AMZN carries more volatility with a beta of 1.38 — expect wider price swings.

AMZN is growing revenue faster at 13.6% — sustainability is the question.

AMZN generates stronger free cash flow (14.9B), providing more financial flexibility.

Bottom Line

HRB scores higher overall (67/100 vs 59/100), backed by strong 16.2% margins and 11.1% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Amazon.com Inc

CONSUMER CYCLICAL · INTERNET RETAIL · USA

Amazon.com, Inc. is an American multinational technology company which focuses on e-commerce, cloud computing, digital streaming, and artificial intelligence. It is one of the Big Five companies in the U.S. information technology industry, along with Google, Apple, Microsoft, and Facebook. The company has been referred to as one of the most influential economic and cultural forces in the world, as well as the world's most valuable brand.

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H&R Block Inc

CONSUMER CYCLICAL · PERSONAL SERVICES · USA

H&R Block, Inc., provides services and products for assisted preparation of income tax returns and self-preparation of income tax returns (DIY) to the general public, primarily in the United States, Canada and Australia. The company is headquartered in Kansas City, Missouri.

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