Carriage Services Inc (CSV)vsH&R Block Inc (HRB)
CSV
Carriage Services Inc
$37.53
-0.05%
CONSUMER CYCLICAL · Cap: $596.01M
HRB
H&R Block Inc
$37.46
+1.76%
CONSUMER CYCLICAL · Cap: $4.63B
Smart Verdict
WallStSmart Research — data-driven comparison
H&R Block Inc generates 839% more annual revenue ($3.91B vs $416.49M). HRB leads profitability with a 18.9% profit margin vs 10.6%. HRB appears more attractively valued with a PEG of 0.51. HRB earns a higher WallStSmart Score of 75/100 (B+).
CSV
Buy60
out of 100
Grade: C
HRB
Strong Buy75
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-77.7%
Fair Value
$24.85
Current Price
$37.53
$12.68 premium
Margin of Safety
-38.6%
Fair Value
$26.35
Current Price
$37.46
$11.11 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 24.1%
Attractively priced relative to earnings
Every $100 of equity generates 68 in profit
Strong operational efficiency at 43.2%
Conservative balance sheet, low leverage
Growing faster than its price suggests
Earnings expanding 24.2% YoY
Areas to Watch
Smaller company, higher risk/reward
Revenue declined 0.9%
Earnings declined 37.3%
Distress zone — elevated risk
Grey zone — moderate risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CSV
The strongest argument for CSV centers on PEG Ratio, P/E Ratio, Price/Book. 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, Operating Margin. Profitability is solid with margins at 18.9% and operating margin at 43.2%. PEG of 0.51 suggests the stock is reasonably priced for its growth.
Bear Case : CSV
The primary concerns for CSV are Market Cap, Revenue Growth, EPS Growth. Debt-to-equity of 2.05 is elevated, increasing financial risk.
Bear Case : HRB
The primary concerns for HRB are Altman Z-Score.
Key Dynamics to Monitor
CSV profiles as a declining stock while HRB is a mature play — different risk/reward profiles.
CSV carries more volatility with a beta of 0.83 — expect wider price swings.
HRB is growing revenue faster at 5.3% — sustainability is the question.
HRB generates stronger free cash flow (1.5B), providing more financial flexibility.
Bottom Line
HRB scores higher overall (75/100 vs 60/100), backed by strong 18.9% margins. 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.
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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