H&R Block Inc (HRB)vsService Corporation International (SCI)
HRB
H&R Block Inc
$45.12
+0.53%
CONSUMER CYCLICAL · Cap: $5.56B
SCI
Service Corporation International
$82.21
+3.11%
CONSUMER CYCLICAL · Cap: $11.04B
Smart Verdict
WallStSmart Research — data-driven comparison
Service Corporation International generates 11% more annual revenue ($4.37B vs $3.95B). HRB leads profitability with a 18.6% profit margin vs 12.3%. 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
Buy60
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
Intrinsic value data unavailable for SCI.
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
Every $100 of equity generates 41 in profit
Strong operational efficiency at 21.0%
Areas to Watch
3.0% revenue growth
4.5% earnings growth
Trading at 47.5x book value
Elevated debt levels
3.6% revenue growth
4.7% earnings growth
Distress zone — elevated risk
Elevated debt levels
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 : 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 Revenue Growth, EPS Growth, Price/Book. Debt-to-equity of 17.89 is elevated, increasing financial risk.
Bear Case : SCI
The primary concerns for SCI are Revenue Growth, EPS Growth, Altman Z-Score. Debt-to-equity of 3.45 is elevated, increasing financial risk.
Key Dynamics to Monitor
SCI carries more volatility with a beta of 0.81 — expect wider price swings.
SCI is growing revenue faster at 3.6% — 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 60/100), 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.
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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