H&R Block Inc (HRB)vsHaverty Furniture Companies Inc (HVT)
HRB
H&R Block Inc
$45.12
+0.53%
CONSUMER CYCLICAL · Cap: $5.56B
HVT
Haverty Furniture Companies Inc
$27.60
+1.06%
CONSUMER CYCLICAL · Cap: $435.06M
Smart Verdict
WallStSmart Research — data-driven comparison
H&R Block Inc generates 406% more annual revenue ($3.95B vs $780.39M). HRB leads profitability with a 18.6% profit margin vs 2.9%. 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-
HVT
Buy64
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-62.9%
Fair Value
$27.71
Current Price
$45.12
$17.41 premium
Margin of Safety
-47.8%
Fair Value
$17.81
Current Price
$27.60
$9.79 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Every $100 of equity generates 68 in profit
Strong operational efficiency at 32.9%
Growing faster than its price suggests
Reasonable price relative to book value
Earnings expanding 100.0% YoY
Growing faster than its price suggests
Areas to Watch
3.0% revenue growth
4.5% earnings growth
Trading at 47.5x book value
Elevated debt levels
Smaller company, higher risk/reward
ROE of 4.0% — below average capital efficiency
2.9% margin — thin
Operating margin of 3.4%
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : HVT
The strongest argument for HVT centers on Price/Book, EPS Growth, PEG Ratio. PEG of 0.75 suggests the stock is reasonably priced for its growth.
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.
Bear Case : HVT
The primary concerns for HVT are Market Cap, Return on Equity, Profit Margin. Thin 2.9% margins leave little buffer for downturns.
Key Dynamics to Monitor
HVT carries more volatility with a beta of 1.18 — expect wider price swings.
HVT is growing revenue faster at 7.7% — 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 64/100), backed by strong 18.6% 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.
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.
Haverty Furniture Companies Inc
CONSUMER CYCLICAL · HOME IMPROVEMENT RETAIL · USA
Haverty Furniture Companies, Inc. is a specialty retailer of residential furniture and accessories in the United States. The company is headquartered in Atlanta, Georgia.
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