HRB
H&R Block, Inc.
HRB has the edge over NIO overall, supported by stronger valuation and lower modeled downside.
NIO
NIO Inc.
NIO offers stronger fundamentals, but that advantage does not outweigh its weaker overall profile.
HRB Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| Strong | |
| Healthy |
HRB's profitability, cash flow and balance sheet are currently healthy, and its revenue is stable.
NIO Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Stable | |
| Stable | |
| Unavailable |
NIO's revenue is currently strong, and its profitability and cash flow are stable. There isn't enough data to rate its balance sheet.
HRB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 8.3x | $50.73 | — |
| Cheap | 8.8x | $47.55 | -6.3% |
| Current | 9.4x | $50.73 | — |
| Fair | 13x | $69.30 | +37% |
| Expensive | 15x | $80.42 | +59% |
Historical ranges are pointers, not guarantees.
HRB's PE is in its cheap range at 9.4x. If earnings grow as analysts expect, today's price would be 8.3x next year's earnings.
NIO PE Valuation
NIO has no meaningful PE right now: it lost money over the past year.
HRB Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for HRB, with profitability improving.
NIO Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Losses shrinking | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect NIO's losses to shrink, with revenue growing.
HRB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $6.12 | +14% |
| Q3 2026 | $5.39 | +23% |
| Q2 2026 | $5.66 | +29% |
| Q1 2026 | $5.54 | +39% |
| Q4 2025 | $4.25 | +20% |
| Q3 2025 | $4.37 | +9.3% |
| Q2 2025 | $4.39 | +6.6% |
| Q1 2025 | $3.98 | -7.7% |
| Q4 2024 | $3.53 | -1.1% |
HRB has the edge over NIO on earnings quality, reporting a profit while its opponent remains loss making.
NIO Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | -$0.29 | +$1.45 |
| Q1 2026 | -$0.60 | +$1.16 |
| Q4 2025 | -$1.06 | +$0.60 |
| Q3 2025 | -$1.59 | +$0.02 |
| Q2 2025 | -$1.74 | -$0.10 |
| Q1 2025 | -$1.76 | +$0.06 |
| Q4 2024 | -$1.66 | +$0.21 |
| Q3 2024 | -$1.61 | +$0.32 |
NIO is still losing money, but far less than before: $0.29 per share over the past year, against $1.93 at its worst in late 2023.
HRB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $224.3M | +10% |
| Q2 2026 | $1.1B | +3% |
| Q1 2026 | $2.4B | +5.3% |
| Q4 2025 | $198.9M | +11% |
| Q3 2025 | $203.6M | +5% |
| Q2 2025 | $1.1B | +4.6% |
| Q1 2025 | $2.3B | +4.2% |
| Q4 2024 | $179.1M | 0% |
HRB's revenue has grown year over year for seven quarters in a row: $224M last quarter, up 10% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -103% | -1.7 points |
| Q2 2026 | 33% | -0.5 points |
| Q1 2026 | 43% | +0.3 points |
| Q4 2025 | -150% | +14 points |
| Q3 2025 | -102% | +16 points |
| Q2 2025 | 33% | +0.4 points |
| Q1 2025 | 43% | +0.5 points |
| Q4 2024 | -164% | -15 points |
HRB's operating margin was −103% last quarter, down 1.7 points from the same quarter a year ago.
NIO Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $4.8B | +69% |
| Q1 2026 | $3.8B | +112% |
| Q4 2025 | $5.2B | +76% |
| Q3 2025 | $3.3B | +17% |
| Q2 2025 | $2.9B | +9% |
| Q1 2025 | $1.8B | +21% |
| Q4 2024 | $3B | +15% |
| Q3 2024 | $2.8B | -2.1% |
NIO has the edge over HRB on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | -2.1% | +24 points |
| Q1 2026 | -1.2% | +52 points |
| Q4 2025 | 2.3% | +33 points |
| Q3 2025 | -16% | +12 points |
| Q2 2025 | -26% | +4 points |
| Q1 2025 | -53% | +1.1 points |
| Q4 2024 | -31% | +8.1 points |
| Q3 2024 | -28% | -2.6 points |
NIO has the edge over HRB on profitability, with a higher operating margin.
HRB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$379.2M | -$9.2M |
| Q2 2026 | $236.5M | -2% |
| Q1 2026 | $1.5B | +18% |
| Q4 2025 | -$649.5M | -$52.1M |
| Q3 2025 | -$370M | -$22.7M |
| Q2 2025 | $241.3M | -17% |
| Q1 2025 | $1.3B | -2.9% |
| Q4 2024 | -$597.4M | +$29.5M |
HRB usually generates cash, though not every quarter: the latest was −$379M, but it generated $747M over the past year.
NIO Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $0 | +$2.1B |
| Q1 2026 | $0 | $0 |
| Q4 2025 | $0 | +$391.3M |
| Q3 2025 | $0 | $0 |
| Q2 2025 | -$2.1B | +$73.9M |
| Q1 2025 | $0 | $0 |
| Q4 2024 | -$391.3M | -386% |
| Q2 2024 | -$2.2B | +$337.9M |
NIO has the edge over HRB on cash flow, with more consistent year-over-year improvement.
HRB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -4.5% | -5.8M shares |
| 1 year | -6.3% | -8.3M shares |
| 3 years | -16% | -23.2M shares |
| 5 years | -31% | -55M shares |
| Available history | -37% | -71M shares |
HRB has the edge over NIO on shareholder dilution, with a more favorable share count trend.
NIO Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.6% | +15.6M shares |
| 1 year | +12% | +267M shares |
| 3 years | +51% | +844M shares |
| 5 years | +60% | +933M shares |
| Available history | +143% | +1.5B shares |
NIO has 2.5B diluted shares, up 12% from a year ago.
| Quarter | Spent |
|---|---|
| Q2 2026 | — |
| Q1 2026 | — |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
NIO hasn't bought back shares in the past year.
HRB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.1x | Healthy |
| Q2 2026 | 0.5x | Very low |
| Q1 2026 | 0.6x | Very low |
| Q4 2025 | 2.2x | Moderate |
| Q3 2025 | 1.4x | Healthy |
| Q2 2025 | 0.5x | Very low |
| Q1 2025 | 0.8x | Very low |
| Q4 2024 | 2.2x | Moderate |
HRB's net debt is about 1.1 years of its operating earnings (EBITDA), down from 1.4 years a year ago.
NIO Net Leverage
NIO's operating earnings (EBITDA) were negative over the past year, so its debt can't be measured against them.
HRB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 60.3 | Neutral |
| Stochastic | 63.0 | Neutral |
HRB's weekly RSI is 60 (neutral) and its Stochastic is 63 (neutral).
NIO Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 30.7 | Neutral |
| Stochastic | 6.9 | Oversold |
NIO's weekly RSI is 31 (neutral) and its Stochastic is 7 (oversold).
HRB PE vs Consumer Cyclical Sector
| Metric | HRB | Sector median | Relative |
|---|---|---|---|
| PE | 9.4x | 18x | 48% below |
| PE % | 19 | 47 | 28 pts below |
HRB is trading at 9.4x earnings, a 48% discount to the Consumer Cyclical sector's median of 18x.
NIO PE vs Consumer Cyclical Sector
NIO has no meaningful PE right now: it lost money over the past year.
HRB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $47.6 | 6.5% above |
| 20 week MA | $46.6 | 8.8% above |
| 50 week MA | $40.4 | 26% above |
| 100 week MA | $47.0 | 7.9% above |
| 200 week MA | $46.5 | 9.2% above |
HRB has the edge over NIO on trend strength, trading above more of its moving averages.
NIO Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $3.36 | 9.2% below |
| 20 week MA | $4.01 | 24% below |
| 50 week MA | $4.81 | 37% below |
| 100 week MA | $4.85 | 37% below |
| 200 week MA | $6.03 | 49% below |
NIO is in a downtrend: it's below all five of its weekly moving averages, and 49% below its 200-week average.
HRB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $23.4 | $15.5 | -34% |
| 2021 | $15.5 | $23.5 | +52% |
| 2022 | $23.5 | $39.2 | +66% |
| 2023 | $39.2 | $48.4 | +24% |
| 2024 | $48.4 | $53.4 | +10% |
| 2025 | $53.4 | $43.8 | -18% |
| 2026 YTD | $43.8 | $50.7 | +16% |
HRB has the edge over NIO on returns for 2026, with the stronger performance.
NIO Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $2.42 | $45.8 | +1791% |
| 2021 | $45.8 | $30.5 | -33% |
| 2022 | $30.5 | $11.0 | -64% |
| 2023 | $11.0 | $9.07 | -17% |
| 2024 | $9.07 | $4.48 | -51% |
| 2025 | $4.48 | $5.10 | +14% |
| 2026 YTD | $5.10 | $3.05 | -40% |
NIO's yearly returns have swung widely, from +1791% in 2020 to −64% in 2022. It's down 40% so far in 2026.