H&R Block Inc. (HRB) — RQD Stock Rating Cockpit

Per the Roarable RQD rating, HRB scores 81 out of 100, graded A- and labeled "Roarable Buy — Superior Risk/Reward." The five pillars are:

• Fundamental Cash Engine (16/20): Per the Roarable RQD rating, this pillar reflects ROIC of 46.2% and an FCF yield of 9.84%. For an investor, these figures point to strong capital efficiency and cash generation relative to the market price; the pillar is not a guarantee of future cash flow.
• Whale 13F Flow (16/20): Per the Roarable RQD rating, this pillar is described as institutional accumulation and options positioning. The underlying holder and options detail is not present in the source data (see Analyst View section).
• Insider Conviction (18/20): Per the Roarable RQD rating, this is the highest-scoring pillar and is described as SEC Form 4 and Congressional PTR cluster flow. The specific transactions are not itemized in the source data.
• Macro Regime Fit (17/20): Per the Roarable RQD rating, this pillar reflects a beta of 1.04 and sector sensitivity. A beta near 1.0 implies market-like volatility relative to the broader market, per the market data.
• Forensic Balance Sheet (14/20): Per the Roarable RQD rating, this pillar cites an Altman Z of 2.73, a Piotroski F of 9/9, and Debt/Equity of 0.85. This is the lowest-scoring pillar, indicating comparatively more room for scrutiny on leverage than on cash generation.

Implications for a prospective investor: the rating's upside drivers are concentrated in cash efficiency and insider signals. Valuation tradeoffs are visible in the market data, with a P/E (TTM) of 10.1 and a forward P/E of 9.4, which the rating does not directly interpret. The balance-sheet pillar scoring lowest suggests debt levels warrant monitoring alongside the strong cash metrics. This is an analytical summary, not personalized financial advice.

Per the SEC financials, revenue grew from $3472.2M (FY 2023) to $3761.0M (FY 2025), and net income rose from $553.7M to $605.8M over the same span. Reported debt increased from $975.0M to $2435.4M across the three periods, while FCF declined from $665.6M to $598.8M. Per the Roarable RQD rating, ROIC is 46.2%, the Altman Z-Score is 2.73, and the Piotroski F-Score is 9/9; the Debt/Equity ratio is 0.85. Per the market data, the net margin is 16.1%.

Per the recent news and catalysts section, six items reference HRB:

• "Is H&R Block (HRB) Stock Outpacing Its Consumer Discretionary Peers This Year?" (Yahoo Finance; YELLOW, MARKET WIRE)
• "H&R Block Stock: The Tax Business Isn't Going Away That Easily (NYSE:HRB)" (Seeking Alpha; YELLOW, MARKET WIRE)
• "H&R Block (NYSE:HRB): A Cheap Value Stock With a Growth Caveat" (ChartMill; GREEN, CATALYST)
• "3 Reasons to Sell HRB and 1 Stock to Buy Instead" (The Globe and Mail; YELLOW, MARKET WIRE)
• "H&R Block Inc (HRB) Stock Up 5.0% and Still Undervalued -- GF Sc" (GuruFocus; YELLOW, MARKET WIRE)
• "H&R Block (HRB) Could Be 11% Undervalued Following Chiefs Partnership" (Yahoo Finance; GREEN, CATALYST)

Catalyst items are tagged GREEN and risk-watch items YELLOW per the source labels. The headlines carry mixed signals: a bearish-leaning headline ("3 Reasons to Sell") alongside valuation-positive headlines. The source data provides headlines and labels only, not article content. Proprietary signals: none listed in the Butterfly graph.

• What specific Form 4 insider transactions and Congressional PTR trades make up the insider-conviction score?
• What institutional holders and options positions underlie the whale 13F flow pillar?
• What drove the increase in reported debt from $975.0M (FY 2023) to $2435.4M (FY 2025), and how is it serviced?
• Why is EPS reported as N/A for all three fiscal periods, and how does that reconcile with the $4.94 TTM EPS?
• What is the company's revenue mix and business model detail behind the reported margins?