H&R Block Inc (HRB)vsSea Ltd (SE)
HRB
H&R Block Inc
$45.12
+0.53%
CONSUMER CYCLICAL · Cap: $5.56B
SE
Sea Ltd
$106.24
-1.35%
CONSUMER CYCLICAL · Cap: $65.07B
Smart Verdict
WallStSmart Research — data-driven comparison
Sea Ltd generates 603% more annual revenue ($27.72B vs $3.95B). HRB leads profitability with a 18.6% profit margin vs 5.9%. 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-
SE
Buy56
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
+56.1%
Fair Value
$260.75
Current Price
$106.24
$154.51 discount
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
Revenue surging 48.1% year-over-year
Large-cap with strong market position
Generating 1.1B in free cash flow
Areas to Watch
3.0% revenue growth
4.5% earnings growth
Trading at 47.5x book value
Elevated debt levels
Distress zone — elevated risk
5.9% margin — thin
Premium valuation, high expectations priced in
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 : SE
The strongest argument for SE centers on Revenue Growth, Market Cap, Free Cash Flow. Revenue growth of 48.1% demonstrates continued momentum. PEG of 1.04 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 : SE
The primary concerns for SE are Altman Z-Score, Profit Margin, P/E Ratio. A P/E of 41.5x leaves little room for execution misses.
Key Dynamics to Monitor
HRB profiles as a value stock while SE is a hypergrowth play — different risk/reward profiles.
SE carries more volatility with a beta of 1.52 — expect wider price swings.
SE is growing revenue faster at 48.1% — sustainability is the question.
SE generates stronger free cash flow (1.1B), providing more financial flexibility.
Bottom Line
HRB scores higher overall (67/100 vs 56/100), backed by strong 18.6% margins. SE offers better value entry with a 56.1% margin of safety. 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.
Sea Ltd
CONSUMER CYCLICAL · INTERNET RETAIL · USA
Sea Limited is engaged in the digital entertainment, e-commerce and digital financial services businesses in Southeast Asia, Latin America, the rest of Asia and internationally. The company is headquartered in Singapore.
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