Carriage Services Inc (CSV)vsH&R Block Inc (HRB)
CSV
Carriage Services Inc
$32.52
+0.85%
CONSUMER CYCLICAL · Cap: $516.49M
HRB
H&R Block Inc
$45.73
+1.35%
CONSUMER CYCLICAL · Cap: $5.56B
Smart Verdict
WallStSmart Research — data-driven comparison
H&R Block Inc generates 845% more annual revenue ($3.95B vs $417.29M). HRB leads profitability with a 18.6% profit margin vs 10.7%. HRB appears more attractively valued with a PEG of 0.58. HRB earns a higher WallStSmart Score of 67/100 (B-).
CSV
Strong Buy66
out of 100
Grade: B-
HRB
Strong Buy67
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-75.9%
Fair Value
$25.10
Current Price
$32.52
$7.42 premium
Margin of Safety
-62.9%
Fair Value
$27.71
Current Price
$45.73
$18.02 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Growing faster than its price suggests
Reasonable price relative to book value
Strong operational efficiency at 23.4%
Attractively priced relative to earnings
Every $100 of equity generates 68 in profit
Strong operational efficiency at 32.9%
Growing faster than its price suggests
Areas to Watch
0.8% revenue growth
4.1% earnings growth
Smaller company, higher risk/reward
Elevated debt levels
3.0% revenue growth
4.5% earnings growth
Trading at 48.1x book value
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : CSV
The strongest argument for CSV centers on P/E Ratio, PEG Ratio, Price/Book. PEG of 0.59 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, Operating Margin. Profitability is solid with margins at 18.6% and operating margin at 32.9%. PEG of 0.58 suggests the stock is reasonably priced for its growth.
Bear Case : CSV
The primary concerns for CSV are Revenue Growth, EPS Growth, Market Cap. Debt-to-equity of 1.97 is elevated, increasing financial risk.
Bear Case : HRB
The primary concerns for HRB are Revenue Growth, EPS Growth, Price/Book. Debt-to-equity of 17.89 is elevated, increasing financial risk.
Key Dynamics to Monitor
CSV carries more volatility with a beta of 0.78 — expect wider price swings.
HRB is growing revenue faster at 3.0% — sustainability is the question.
HRB generates stronger free cash flow (237M), providing more financial flexibility.
Monitor PERSONAL SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HRB scores higher overall (67/100 vs 66/100), backed by strong 18.6% margins. 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.
Compare with Other PERSONAL SERVICES Stocks
Want to dig deeper into these stocks?