WallStSmart

Andersen Group Inc. (ANDG)vsH&R Block Inc (HRB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

H&R Block Inc generates 332% more annual revenue ($3.95B vs $913.04M). HRB leads profitability with a 18.6% profit margin vs 4.7%. HRB trades at a lower P/E of 7.9x. HRB earns a higher WallStSmart Score of 67/100 (B-).

ANDG

Avoid

32

out of 100

Grade: F

Growth: 6.7Profit: 4.5Value: 4.0Quality: 6.0
Piotroski: 2/9Altman Z: 0.88

HRB

Strong Buy

67

out of 100

Grade: B-

Growth: 4.0Profit: 9.5Value: 6.7Quality: 5.0
Piotroski: 5/9Altman Z: 2.00
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for ANDG.

HRBSignificantly Overvalued (-62.9%)

Margin of Safety

-62.9%

Fair Value

$27.71

Current Price

$45.12

$17.41 premium

UndervaluedFair: $27.71Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ANDG2 strengths · Avg: 9.0/10
Debt/EquityHealth
-0.5310/10

Conservative balance sheet, low leverage

Revenue GrowthGrowth
23.7%8/10

Revenue surging 23.7% year-over-year

HRB4 strengths · Avg: 9.5/10
P/E RatioValuation
7.9x10/10

Attractively priced relative to earnings

Return on EquityProfitability
67.9%10/10

Every $100 of equity generates 68 in profit

Operating MarginProfitability
32.9%10/10

Strong operational efficiency at 32.9%

PEG RatioValuation
0.588/10

Growing faster than its price suggests

Areas to Watch

ANDG4 concerns · Avg: 3.0/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Profit MarginProfitability
4.7%3/10

4.7% margin — thin

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

P/E RatioValuation
119.2x2/10

Premium valuation, high expectations priced in

HRB4 concerns · Avg: 2.8/10
Revenue GrowthGrowth
3.0%4/10

3.0% revenue growth

EPS GrowthGrowth
4.5%4/10

4.5% earnings growth

Price/BookValuation
47.5x2/10

Trading at 47.5x book value

Debt/EquityHealth
17.891/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : ANDG

The strongest argument for ANDG centers on Debt/Equity, Revenue Growth. Revenue growth of 23.7% demonstrates continued momentum.

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 : ANDG

The primary concerns for ANDG are EPS Growth, Profit Margin, Piotroski F-Score. A P/E of 119.2x leaves little room for execution misses. Thin 4.7% margins leave little buffer for downturns.

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

ANDG profiles as a growth stock while HRB is a value play — different risk/reward profiles.

ANDG is growing revenue faster at 23.7% — 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 32/100), backed by strong 18.6% margins. Both earn "Strong Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Andersen Group Inc.

CONSUMER CYCLICAL · PERSONAL SERVICES · USA

Andersen Group Inc. provides independent tax, valuation, and financial advisory services to individuals and family offices, businesses, and institutional clients in the United States.

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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