H&R Block Inc (HRB)vsService Corporation International (SCI)
HRB
H&R Block Inc
$30.78
-0.58%
CONSUMER CYCLICAL · Cap: $3.90B
SCI
Service Corporation International
$78.79
+1.69%
CONSUMER CYCLICAL · Cap: $10.86B
Smart Verdict
WallStSmart Research — data-driven comparison
Service Corporation International generates 14% more annual revenue ($4.31B vs $3.79B). HRB leads profitability with a 16.2% profit margin vs 12.6%. HRB appears more attractively valued with a PEG of 0.58. HRB earns a higher WallStSmart Score of 67/100 (B-).
HRB
Strong Buy67
out of 100
Grade: B-
SCI
Buy62
out of 100
Grade: C+
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
-5.6%
Fair Value
$79.95
Current Price
$78.79
$1.16 premium
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
Every $100 of equity generates 33 in profit
Strong operational efficiency at 25.5%
Areas to Watch
Grey zone — moderate risk
Negative free cash flow — burning cash
Operating margin of -1.5%
1.7% revenue growth
Weak financial health signals
Distress zone — elevated risk
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 : SCI
The strongest argument for SCI centers on Return on Equity, Operating Margin. PEG of 1.48 suggests the stock is reasonably priced for its growth.
Bear Case : HRB
The primary concerns for HRB are Altman Z-Score, Free Cash Flow, Operating Margin.
Bear Case : SCI
The primary concerns for SCI are Revenue Growth, Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
HRB profiles as a mature stock while SCI is a value play — different risk/reward profiles.
SCI carries more volatility with a beta of 1.00 — expect wider price swings.
HRB is growing revenue faster at 11.1% — sustainability is the question.
SCI generates stronger free cash flow (132M), providing more financial flexibility.
Bottom Line
HRB scores higher overall (67/100 vs 62/100), 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.
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.
Service Corporation International
CONSUMER CYCLICAL · PERSONAL SERVICES · USA
Service Corporation International offers death care products and services in the United States and Canada. The company is headquartered in Houston, Texas.
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