H&R Block (LTS:0HOB) Moat Score: 5/10 (As of Jul. 08, 2026)


LTS:0HOB H&R Block Inc LTS:0HOB
84 GF Score
Price $40.22
GF Value $63.40
Valuation Significantly Undervalued
! 1 Warning Sign
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What is H&R Block Moat Score?

H&R Block LTS:0HOB +1.16% 84 Moat Score is 5 as of Jul. 08, 2026. GuruFocus rates LTS:0HOB with a GF Score™ of 84/100 and a GF Value™ of $63.40 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 95 Personal Services companies, H&R Block ranks better than 95.79% on this metric.

H&R Block has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

H&R Block has Narrow Moat: H&R Block Inc has a solid narrow moat with strong brand strength and customer loyalty in tax preparation services. However, the rise of digital competitors and low switching costs limit its moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes H&R Block might have Narrow Moat - Solid narrow moat.

H&R Block  (LTS:0HOB) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

H&R Block Moat Score Related Terms

LTS:0HOB vs FTDR, ANDG, BFAM: Moat Score Comparison

For the Personal Services subindustry, H&R Block's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

H&R Block Moat Score vs Personal Services Industry

For the Personal Services industry and Consumer Cyclical sector, H&R Block's Moat Score distribution charts can be found below:

* The bar in red indicates where H&R Block's Moat Score falls into.


LTS:0HOB
84GF Score
H&R Block Inc LTS:0HOB
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
H&R Block (LTS:0HOB) has a Moat Score of 5 as of Jul. 08, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, H&R Block ranks #4 out of 95 companies in the Personal Services industry, placing it in the top 4.2%.
Is H&R Block's Moat Score too high?
H&R Block's current Moat Score is 5. Based on the distribution chart, H&R Block ranks #4 out of 95 companies in the Personal Services industry, which is in the top quartile — a strong position relative to peers. Overall, H&R Block has a GF Score™ of 84/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does H&R Block's Moat Score compare to FTDR and ANDG?
According to the Personal Services industry distribution chart, H&R Block ranks #4 out of 95 companies for Moat Score. This places H&R Block in the top 4% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Personal Services company?
A good Moat Score depends on the Personal Services industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. H&R Block's current Moat Score is 5. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is H&R Block stock overvalued right now?
Based on GuruFocus' analysis, H&R Block (LTS:0HOB) is currently considered Significantly Undervalued. The stock's GF Value™ is $63.40, compared to a current price of $40.22 — trading 36.6% below its estimated fair value. The current Moat Score is 5. H&R Block's overall GF Score™ is 84/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For H&R Block (LTS:0HOB), the current Moat Score is 5 as of Jul. 08, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is H&R Block (LTS:0HOB) Overvalued in 2026?

Based on GuruFocus' analysis, H&R Block stock appears to be undervalued. The current stock price of $40.22 is trading 36.6% below its estimated GF Value™ of $63.40. GuruFocus considers H&R Block to be Significantly Undervalued.

Key valuation signals for LTS:0HOB:

  • Moat Score: 5
  • GF Value™: $63.40 vs. price of $40.22 (36.6% below fair value)
  • GF Score™: 84/100 with 1 warning sign

No single metric tells the full story. See the LTS:0HOB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

H&R Block Business Description

Address One H&R Block Way, Kansas City, MO, USA, 64105
H&R Block Inc provides income tax return preparation services, digital do-it-yourself tax solutions, and other services related to income tax preparation to the general public in the United States, Canada, and Australia. The company mainly prepares tax returns for customers within the United States through its company-owned offices, franchise locations, and online tax software. The vast majority of H&R Block's offices are located in the U.S. The company derives the majority of its total revenue from the U.S. assisted tax preparation fees. Revenue from franchise and product royalties and digital do-it-yourself tax solutions is also relatively.
84GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$40.22
Price
$63.40
GF Value