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H&R Block (HRB) investor relations material
H&R Block Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary12 Aug, 2025
Executive summary
Fiscal 2025 revenue grew 4.2% year-over-year to $3.76B, with EBITDA of $976M and net income of $609.5M, within outlook range but below anticipated growth.
Adjusted EPS increased 5.7% to $4.66, and the quarterly dividend was raised 12% to $0.42 per share.
Over $4.5B has been returned to shareholders since 2016, with $600M in fiscal 2025 alone.
Small business segment achieved double-digit growth, with Wave revenue up 13% and strong client conversions.
CEO transition announced: Curtis to succeed Jeff Jones as President and CEO effective 01/01/2026.
Financial highlights
Total operating expenses rose 4.6% to $2.93B, driven by higher compensation, benefits, and legal costs.
Net income from continuing operations was $609.5M; adjusted EPS from continuing operations was $4.66, up 5.7% year-over-year.
EBITDA from continuing operations was $976.3M, up from $963.2M the prior year.
Free cash flow generated was approximately $600M for the year.
Full-year effective tax rate was 22%.
Outlook and guidance
Fiscal 2026 revenue expected between $3.875B and $3.895B; EBITDA guidance is $1.015B to $1.035B.
Adjusted EPS guidance is $4.85 to $5.00, with an effective tax rate near 25% and $400M in share repurchases planned.
Industry growth expected at ~1%, with small business as a key revenue driver.
Guidance incorporates higher healthcare and legal costs, normalized severance, and cost-saving initiatives.
How will Wave expand its role in small business?
What factors drove elevated healthcare costs?
Elaborate on initiatives for a healthier balance.
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Q1 20266 Nov, 2025
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Frequently asked questions
Tax Preparation
H&R Block is an American company operating in the US, as well as in Canada and Australia. It provides various tax preparation services, including payroll, consulting services, software, electronic filing, and more. The company has over 10,000 different retail tax offices spread across the three previously mentioned countries and is headquartered in Kansas City, Missouri. H&R Block’s shares are listed on the NYSE.
Founded by the Bloch Brothers
H&R Block, Inc. was founded in 1955 by brothers Henry and Richard Bloch in Kansas City, Missouri. Originally conceived as a bookkeeping service for small businesses, the company soon shifted its focus to tax preparation services for individual taxpayers. Recognizing the complexities of the U.S. tax code and the challenges individuals faced in navigating it, the Blochs sought to offer expert assistance to the average American in ensuring accurate and efficient tax filings. The business model quickly proved successful, leading to rapid expansion. By the late 20th century, H&R Block had established itself as one of the largest tax preparation companies in the U.S., with offices spread throughout the country. Due to the complexities in the US tax code, H&R Block is far from alone within its niche. A list of similar companies includes names such as Intuit and Avantax.
For Businesses
H&R Block offers a range of services tailored to the needs of businesses. This includes bookkeeping and payroll services, helping businesses manage their financials, and ensuring that their employees are paid accurately and on time. They also provide expertise in business tax preparation and consultation, assisting companies in navigating complex tax codes, maximizing deductions, and ensuring compliance with local, state, and federal regulations.
For Private Individuals
H&R Block provides a plethora of services geared towards private individuals. Foremost among these is personal tax preparation, where they assist individuals in navigating the complexities of the tax code, ensuring accurate filings, and optimizing refunds. For those who prefer a do-it-yourself approach, H&R Block offers tax software and online filing solutions equipped with intuitive interfaces and guidance. For non-residents or those with international income, H&R Block provides specialized services tailored to unique tax situations. Furthermore, for those facing tax issues or audits, the company offers representation and assistance in resolving disputes with tax authorities.
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