Carriage Services Inc (CSV)vsH&R Block Inc (HRB)
CSV
Carriage Services Inc
$43.08
-0.23%
CONSUMER CYCLICAL · Cap: $656.04M
HRB
H&R Block Inc
$30.78
-0.58%
CONSUMER CYCLICAL · Cap: $3.90B
Smart Verdict
WallStSmart Research — data-driven comparison
H&R Block Inc generates 808% more annual revenue ($3.79B vs $417.44M). HRB leads profitability with a 16.2% profit margin vs 12.3%. HRB appears more attractively valued with a PEG of 0.58. CSV earns a higher WallStSmart Score of 72/100 (B).
CSV
Strong Buy72
out of 100
Grade: B
HRB
Strong Buy67
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+59.7%
Fair Value
$109.46
Current Price
$43.08
$66.38 discount
Margin of Safety
+83.2%
Fair Value
$177.02
Current Price
$30.78
$146.24 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Every $100 of equity generates 22 in profit
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 22.9%
Attractively priced relative to earnings
Every $100 of equity generates 68 in profit
Growing faster than its price suggests
Earnings expanding 21.6% YoY
Areas to Watch
Smaller company, higher risk/reward
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Grey zone — moderate risk
Negative free cash flow — burning cash
Operating margin of -1.5%
Comparative Analysis Report
WallStSmart ResearchBull Case : CSV
The strongest argument for CSV centers on Return on Equity, PEG Ratio, P/E Ratio. PEG of 0.84 suggests the stock is reasonably priced for its growth.
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 -1.5%. Revenue growth of 11.1% demonstrates continued momentum.
Bear Case : CSV
The primary concerns for CSV are Market Cap, Free Cash Flow, Altman Z-Score. Debt-to-equity of 2.32 is elevated, increasing financial risk.
Bear Case : HRB
The primary concerns for HRB are Altman Z-Score, Free Cash Flow, Operating Margin.
Key Dynamics to Monitor
CSV profiles as a value stock while HRB is a mature play — different risk/reward profiles.
CSV carries more volatility with a beta of 0.93 — expect wider price swings.
HRB is growing revenue faster at 11.1% — sustainability is the question.
CSV generates stronger free cash flow (-34M), providing more financial flexibility.
Bottom Line
CSV scores higher overall (72/100 vs 67/100). HRB offers better value entry with a 83.2% margin of safety. Both earn "Strong Buy" and "Strong 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.
Carriage Services Inc
CONSUMER CYCLICAL · PERSONAL SERVICES · USA
Carriage Services, Inc. provides funeral and cemetery services and merchandise in the United States. The company is headquartered in Houston, Texas.
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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