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H&R Block HRB Provision for Credit Losses

Provision for Credit Losses at other companies

WillScot Holdings Corporation logo
WillScot Holdings CorporationWSC
$17.79M+44.2%
RBC Bearings logo
RBC BearingsRBC
$100K+500%
United Community Banks logo
United Community BanksUCB
$10.85M-29.6%
Prosperity Bancshares logo
Prosperity BancsharesPB
$0
Tempur Sealy International logo
Tempur Sealy InternationalSGI
$1.9M-59.6%
Lennox International logo
Lennox InternationalLII
$2.1M+61.5%

Other financials

Income statement

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Revenue$2.4B+5.3%
Gross profit$1.4B+4.5%
Net income$847.9M+17.4%
EPS (diluted)$6.60+24.3%

Balance sheet

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Cash & equivalents$867.0M+12.2%
Total debt$2.0B+5.6%
Total equity-$24.4M+87.4%
Total assets$3.4B+4.5%

Cash flow

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Operating cash flow$1.6B+17.6%
CapEx$18.4M-18.8%
Free cash flow$1.5B+18.2%

Valuation

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Market cap$4.36B-45.3%
Enterprise value$5.52B-39.0%
P/E5.9×-8.2×
P/S1.1×-1.0×

Profitability

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Gross margin44.3%-0.2pp
Net margin18.9%+3.7pp
FCF margin19.5%+2.0pp

Returns & leverage

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Return on equity675%-296pp
Debt / equity22.8×+1.1×
Current ratio+0.2×

Where this comes from

Reported directly by H&R Block in its filing.

Tagged under the XBRL concept hrb:ProvisionForBadDebtsAndLoanLosses.

The official record: H&R Block’s 10-Q, filed May 6, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is H&R Block's provision for credit losses?
H&R Block (HRB) reported provision for credit losses of $36.38M in Q1 2026.
How has H&R Block's provision for credit losses changed year-over-year?
H&R Block's provision for credit losses increased by 3.0% year-over-year, from $35.32M to $36.38M.
What is the long-term trend for H&R Block's provision for credit losses?
Over 4 years (2021 to 2025), H&R Block's provision for credit losses has grown at a 0.1% compound annual growth rate (CAGR), from $65.05M to $65.19M.
What does provision for credit losses mean?
This represents the non-cash expense recognized to account for expected losses on outstanding receivables or loans. It serves as a critical indicator of credit risk management and the quality of the company's lending portfolio. A rising provision often signals deteriorating credit conditions among the company's customer or franchisee base.