H And R Block Inc
H&R Block is a diversified company delivering tax products and services and
financial advice, investment and mortgage products and services, and business
and consulting services. For nearly 50 years, we have been developing relationships
with millions of tax clients and our strategy is to expand on these relationships.
Our tax services segments provide income tax return preparation services, electronic
filing services and other services and products related to income tax return preparation
to the general public in the United States, and also in Canada, Australia and
the United Kingdom. We also offer investment services and securities products
through H&R Block Financial Advisors, Inc. (“HRBFA”). Our mortgage services
segment offers a full range of home mortgage products and services through Option
One Mortgage Corporation (“OOMC”) and H&R Block Mortgage Corporation (“HRBMC”).
RSM McGladrey Business Services, Inc. (“RSM”) is a national accounting, tax and
consulting firm primarily serving mid-sized businesses.
Our U.S. Tax Operations segment is primarily engaged in providing tax return
preparation, filing and related services and products in the United States.
Revenues include fees earned for tax-related services performed at company-owned
retail tax offices, royalties from franchise retail tax offices, sales of Peace
of Mind (“POM”) guarantees, sales of tax preparation and other software, fees
from online tax preparation, and fees related to refund anticipation loans (“RALs”).
Our Mortgage Operations segment originates mortgage loans, services non-prime
loans and sells and securitizes mortgage loans and residual interests in the
United States. Revenues consist of proceeds from sales and securitizations of
mortgage assets, accretion on residual and beneficial interests, servicing fee
income and interest received on loans.
Our Business Services segment offers middle-market companies accounting, tax
and consulting services. We have continued to expand the services we have to
offer our clients by adding wealth management, retirement resources, payroll
services, corporate finance and financial process outsourcing.
Our Investment Services segment provides brokerage services and investment
planning through HRBFA. Products and services offered to our customers include
traditional brokerage products, as well as annuities, insurance, fee-based accounts,
online account access, equity research and focus lists, model portfolios, asset
allocation strategies, and other investment tools and information.
Our International Tax Operations segment provides tax return preparation, electronic
filing and related services to the general public, principally in Canada, Australia
and the United Kingdom. We also offer tax preparation of U.S. tax returns and
related services in company-owned and franchise offices in nine countries and
U.S. Territories. We offer electronic filing of U.S. income tax returns at offices
located in Europe, and the electronic filing of Canadian, Australian, and United
Kingdom income tax returns at H&R Block offices in their respective countries.
2.76% 
