H&R Block Inc (HRB)vsMedirom Healthcare Technologies Inc (MRM)
HRB
H&R Block Inc
$30.78
-0.58%
CONSUMER CYCLICAL · Cap: $3.90B
MRM
Medirom Healthcare Technologies Inc
$1.13
-3.00%
CONSUMER CYCLICAL · Cap: $9.64M
Smart Verdict
WallStSmart Research — data-driven comparison
Medirom Healthcare Technologies Inc generates 113% more annual revenue ($8.07B vs $3.79B). HRB leads profitability with a 16.2% profit margin vs 0.5%. MRM trades at a lower P/E of 3.3x. HRB earns a higher WallStSmart Score of 67/100 (B-).
HRB
Strong Buy67
out of 100
Grade: B-
MRM
Hold39
out of 100
Grade: F
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+83.2%
Fair Value
$177.02
Current Price
$30.78
$146.24 discount
Margin of Safety
+92.5%
Fair Value
$17.32
Current Price
$1.13
$16.19 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Every $100 of equity generates 68 in profit
Growing faster than its price suggests
Earnings expanding 21.6% YoY
Attractively priced relative to earnings
Every $100 of equity generates 53 in profit
Earnings expanding 27.8% YoY
Areas to Watch
Grey zone — moderate risk
Negative free cash flow — burning cash
Operating margin of -1.5%
Smaller company, higher risk/reward
0.5% margin — thin
Revenue declined 6.7%
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : MRM
The strongest argument for MRM centers on P/E Ratio, Return on Equity, EPS Growth.
Bear Case : HRB
The primary concerns for HRB are Altman Z-Score, Free Cash Flow, Operating Margin.
Bear Case : MRM
The primary concerns for MRM are Market Cap, Profit Margin, Revenue Growth. Debt-to-equity of 8.84 is elevated, increasing financial risk. Thin 0.5% margins leave little buffer for downturns.
Key Dynamics to Monitor
HRB profiles as a mature stock while MRM is a value play — different risk/reward profiles.
MRM carries more volatility with a beta of 1.01 — expect wider price swings.
HRB is growing revenue faster at 11.1% — sustainability is the question.
MRM generates stronger free cash flow (-2M), providing more financial flexibility.
Bottom Line
HRB scores higher overall (67/100 vs 39/100), backed by strong 16.2% margins and 11.1% revenue growth. MRM offers better value entry with a 92.5% margin of safety. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
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.
Medirom Healthcare Technologies Inc
CONSUMER CYCLICAL · PERSONAL SERVICES · USA
MEDIROM Healthcare Technologies Inc. provides comprehensive healthcare services in Japan. The company is headquartered in Tokyo, Japan.
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