HRB - Earnings call transcript Q2 2025

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Operator

Thank you for standing by, and welcome to H&R Block's Second Quarter Fiscal Year 2025 Earnings Conference Call. [Operator Instructions] I would now like to hand the call over to Colby Brown, Treasurer and Interim Vice President Investor Relations. Please go ahead.

Colby Brown

Thank you, Latif. Good afternoon, everyone, and welcome to H&R Block's fiscal 2025 Second Quarter Financial Results Conference Call.

Jeff Mason, President our are Officer; Chief today Tiffany and Chief me Jones, and our Executive Joining Financial Officer. issued or our we can today, a and release Earlier presentation, be downloaded at viewed website on live investors.hrblock.com. press which

webcast Our and of available XX a be live, days. call will broadcast webcast replay being for is and the

and Before by of forward-looking risks include the meaning and management federal involve I'd laws. uncertainties, statements in to statements statement due listeners remind could those like begin, to results may we that numerous made These securities differ factors. comments actual projected forward-looking within material from any

periodically description of filings. our a XX-K please on other uncertainties and Form see updated H&R and quarterly For Form with risks annual on report these SEC Block's reports and as XX-Q

today metrics in non-GAAP and are on some comparable reconciled presentation. a figures We've note, we'll our non-GAAP the of presented basis. Please GAAP the appendix discuss

contains X, undertakes as this circumstances only time-sensitive after events of accurate content or to obligation the statements no And the XXXX. update to revise or reflect of call. call Finally, any information this otherwise February H&R date today, of Block

With that, Jeff. over I'll it turn to now

JeffreyJones

share of the half with deliver well Overall, of year fiscal 'XX to financials, our pleased in are joining ongoing our Colby. Block the an with allocation to and everyone, this including tax I'm afternoon, you, thanks I'll on our Starting strength imperatives the progress results the plans half more the and reaffirm on then of today prepared the make update fiscal Thank us each the Tiffany the performance, capital season. kick practices. Horizon second line to we then second off year, a for across our Good our discuss of we provide recap are outlook. us. our with from quarter, continue of was in and executing expectations. we strategic our will first

small the allocation up was pleased year-over-year in extension another strength revenue, wrapped aspects From see and successfully continued various highlighted we repurchase quarter, services. quarter, to second practices, volume. total bringing in share million due Emerald to including year back we're however, $XXX season the program, the for our Advance perspective, In business business, Total our X% and lower our to capital disciplined flat the buying by nearly the float. we continued a of our repurchases of

season, Last have SKU. This business we small experiences improve custom a DIY, experiences launched again delivering let's performed the increase Now to strategic the conversion. business. X-point number we to their for our tax clients to which drove to quarter, turn imperatives. with we of increased small continue this our appeal of in Block In growth. revenue custom well from X business Horizon small new tailored Starting XX. occupation, assisted year, strong

as we products, we We services, high-margin end, growth strong altogether to receipts. double-digit to trends remain in the At revenue favorable delivered our growth accelerating also priorities positive To key continue in Monetization continue unchanged. see achieved revenue driving profitability that which trends and XX% revenue subscription bookkeeping of quarter. that Wave, and are see and year-over-year. payroll I'm our of adoption growth of pleased Pro-Tier

serve right continue business our we changes for I business with implementing pleased small the Overall, to on remain what are and the about growth excited opportunities doing focus is them. ahead. feel and about performance We better good the owner I'm continued small to

Turning to financial products.

national the mobile and engagement brands. largest maximum a loan pleased a deliver apply to them Users be $X,XXX it Refund banking raise financial money. help we continues to clients with on of with for options to at of provide its have their allowing loans platform to of month, grown health. and people our to Last among for to simplify X look amount lives their Advance Spruce, better overall continue ways loan mission no-fee our the help advance both enhance to We up making financial filers a no-interest, to were rate. refund healthy

of December sign-ups, customer the we increase As total period. have and XX, than a had over deposits XX% year the same prior XXX,XXX to compared more doubled

In from have clients fact, year demonstrating more over the came sources, year-round than half of Spruce. engagement past the deposits with nontax the

And to we savings deposit. tax a specific can set that a allows aside time automatically of savings savings. electing as tax their clients past their years, refund their the smart to extra can access Spruce feature the refund get Clients up into at choose of refund X for days refund their Recently, introduced X goal clients to federal or to as commit to tax the we've portion by early. to done the simply deposit refund to account,

FDIC believe high-yield You'll offer a rate earn accounts. the Spruce introduced recall also last we that points, We space. in APY national requirements this no interest basis to XX averaging rate monthly clients others continues minimum strong is a savings the very compared savings or savings year, advantage just Despite with for on their to fees. X.X% Spruce to balance competitive

combine tax human let's get and their which help a reason to We Block H&R of Now millions with strategic our taxpayers on clients move Experience imperative, tools to to innovative time. human third at is care. all blending our with why about expertise technology year. maximum refund empower digital last Block switched There's to

or is others hidden fees pricing the transparent without charge. Our may additional

virtual be at and person want been tax improvements served, teams however in work season, this fully Our making and for way between. to in positioned every hard we're fully well they data-driven clients to have to serve

XXth category, we in of significant journey inspiring purpose our In user this help our ensuring and a year, to the to smoother to As providing finish. our from remain and improvements confidence everywhere. anniversary we we make committed to celebrate communities continue clients experience, start the DIY

than product select clients, also that now we fits our outcome. import to ever, easily their H&R other of onboarding easier new capabilities. and continued from speed than Block the in taking improve process the We've confidence a minutes. them less them X For needs, switching competitors to to further giving their tax simplified is help

key this us the is which has year strong tool of AI differentiator. AI-powered A a assist tax been Gen for competitive enhancement our focus

We have to range of higher tax confidence coverage broader for a its across and topics expanded significantly outcomes deliver clients. our improved

guidance tax is greater clients Importantly, offering assist. leverage the tool who among we've seen with precision conversion and The process. respond to new greater to scenarios AI personalized understand filing Tax throughout designed complex

DIY consumers our access experience offered natural tax unlimited tool, clients We the giving again, Once as processing understand will in better they and charge expert intuitive well integrated capabilities as all making tax have paid the assist to want also be of friendly. and our advanced need. queries client to receive the more user SKUs, language address help and free professionals, ensuring AI

pros DIY the expert annually their grown desire along This help which their file clients also X documents completed nearly decade. through double a behalf on source of with distinct have product's tax return product, double for our to digits human and Review underscores for the check clients' Pro our has option value. further for and Tax demonstrates

and aggressively continuing to unlimited we've is the we're made the switching season, help. and Our of emphasize access ease enhancements marketing to expert this product promoting

more H&R who and clients also they We for Block to switched introducing are have testimonials than other were satisfied are brands. with

feel committed progress This is the the in and taxpayer clients our brand we being executing identity from they expert for thing, right and with doing file continuity deserve. are and is who closely I'm DIY and and excited an to continue pricing, to the experience work XX the Finally, with brand. the core provide they're we confident we're about a combat transparent industry getting challenge, are clients choose and category. we dollar pros IRS average have on In fraud. and of the ability to trusted genuine years. our at This in our however offer, this to we trust with every underscore we which they to assisted, continue reliability plans personalized the care making Overall, been advice deep tax can

tax clients visit nearly offices X,XXX in-person expertise conveniently miles within H&R easily the amplified Americans. Block ensures and retail Our support local can by extensive our our same value of proposition located for footprint virtually. accessibility strong access is offices or that This find with most X

as is clients season, to to experience we look with new are for to clients elevating enhancing convenient. value. conversion We're experience priority To we by brand. committed improve and done as on in taxes as to most same both are their strengths, understand on services ensure this get little assisted day, to reengineering these those coming accessible the our client the capitalize new we how Block. help optimizing can top X H&R This local Furthermore, consumers a hour, and marketing who introduce our our the clients making increasing

by clients making situations, them Our and of expectations the is about return clients communication clear understand with will file while clearly and onset, approach to confident the from H&R quickly tax what deeply likely the to each and our process experience, expect guidance New stage their Block. providing setting more and informed designed their feel managing to and at throughout

the significant algorithm best their also have clients our tax made We specific enhancements to matching suited professional needs. to to better pair Pro with Tax

on tax to return client and and drive higher improves is most enhance personalized Tax the value to This in our instills superior personalized services provides importantly, circumstances. management our These that their expertise both rates. satisfaction matching goal clients compelling tailored expert matching capabilities expectation confidence to tailored professionals, to clear benefits conversion year. unique and and designed ensuring deliver and that focused experience support are improvements clients Ultimately, process a for receive after year Pro conversion relevant clients interactions, strategic

assisted the we a believe are entry, who price of those taking to out is For tax of barrier preparation cost equation. the

H&R that and This greater provide. New is tax matches previous and advantage to experience up assistance the ensuring a accessible, make to our price. we more professional the can to price designed guarantee, number match value paid take clients XX% of our which Block's individual can tax off that expertise their price individuals preparer of offer

demonstrating us. returns X free the We're believe completely years value ensure to represents this didn't to to second-look on through for any we client's we clients is deliver the of a and Another offer which the way service this in leave dollars advantage our proud they refund tax we're competitive new table. review a service last

advance refund aggressively brand. guarantee, being Second stronger offer match across look we I the clients and to look, with as attract marketed new are earlier along all to discussed channels our price

features to the also enhanced rolled digital In clients, improve to around of nearly Block's we've out efforts experience. aspect user our addition several within MyBlock, every H&R new door front

reviewing, a helping have now will for a paying Beyond uploading and and tax DIY storing a start with returning a tailored screen, outcome providing information professional documents, confidence return, understand appointments. tax clients And them return, interacting and tax upcoming approving their starting expertise. professional giving and tax clients reveal tax will their our screen further see in outcome them all on an and

season we over to fiscal summary, that, now the deliver second In our pass positioned to Tiffany well share about of tax results. and half the I more in this it will year. are financial With to

Tiffany Mason

is me people which flow has resilient over been months H&R practice financial confirmed position. financial This afternoon, investment and Block's a Block to thesis, and reinforced Block of the good dig when last to and generation strong my I outstanding profile. months. strong business and the understanding purpose, amazing had greater believe cash capital Jeff, experience I've for you, has drew everyone. a only an Thank joined. I company. time business, H&R what now, Having at This financial develop our several through true been what company X a the great consistent a be return to shareholder-friendly fundamentals, initially is includes H&R deeper with and

with key me Let share you components. the

First, we very stable industry. a in operate

services a need at model has decades. small business in Our industry for steadfast X% tax of preparation to is consumers businesses. and and is The many essential CAGR this for our millions It consumer is tied tax and reflected annual resilient and grown performance.

strong a franchise company XX,XXX offering XX Second, name brand pros, expert across recognition for as the been as we has and side years. our have a country, trusted tax on DIY with with and offices nearly robust X,XXX scale that well

transformation We financial our small and performance business digital have paving in growth. AI made our and which strategic Block Horizons advancements services away investments and for imperatives, sustainable are include into and leading consistent

flow margins generated We the profile last delivered free financial over X and compelling. our cash $XXX of years. have of Third, healthy million in each is

returning seasonal excess consistently growth Our the needs providing balance investment sheet and investments business, dividend strong, our disciplined is And grade share rating. meet in an our to cash years through in the liquidity capital applied priorities the as repurchases. allocation maintaining have to while over balance we credit been shareholders

in significant and investment confidence ability our for short, compelling continue shareholders. In thesis to have our value driving our is I

the to results Now second for financial our let's turn quarter.

QX revenue. represents reminder, a approximately of annual our As X%

$XXX professional were flat an last were a primarily For wages, expenses health international by fee the million, Wave year. expected the income on of been we year. higher revenue Emerald and was tax occupancy prior Interest our of and contemplated Total from expenses costs timing costs and loan and $XXX due to year. increase year. quarter, revenue and prior was corporate to which expense X% care increase delivered versus flat outlook the $XX increased have in and million, offset in increases total These to for to tax of in were Increases marketing lower and million, the the volume. preparation Advance in decrease operating due interest

the at X quarters fiscal year. the given our our of a operate typically loss business, first As reminder, we in of seasonality a

quarter from Our per a operations year. to in outstanding an effective adjusted to and pretax year to the EBITDA the operations continuing loss and compared million million loss loss to last share $X.XX compared And per from our year, The $XXX shares repurchases. to as million, was while due was $X.XX $XXX share last fewer net $X.XX year. share second EBITDA year, of was $X.XX compared the prior to was continuing loss higher result a was loss last $XXX in loss tax XX.X% of XX.X% last million compared compared $XXX rate

as year. quarters a in with full per shares loss, generate are fewer for the the outstanding accretive loss share increased but we recall, earnings You'll

believe Our in performance we fiscal this positioned well in year the expectations, strong are line the deliver first half of tax results we was and to with our season.

we in release. our result, today's 'XX a fiscal earnings which reaffirming was outlook, As are provided

closure to historical of the levels $X.XX expect is examination range fiscal tax $XXX share the to statutes For the which of range to the the of $X.XX range full to matters is year. a to XX% to year, continue billion The diluted be onetime benefit and $X.XX expected expiration be $X.XX in revenue of to EBITDA million we than EPS under earnings in of effective fiscal the approximately to to of provide billion, to various effective adjusted rate limitation and of rate per tax in due billion, be the be certain this approximately $X.XX. lower to $X.XX lower

our for strong a brings results. use million or of is about great million accomplished. and to have perspective, total what have practices meaningful X% allocation repurchases our capital $XX.XX. pleased $XXX about QX, half float. of In price our I'm a a From $XXX an yielded we we total repurchased X.X of This capital, This first shares average of million share at

trading the share windows As we a of narrow our executed reminder, during our half given historically first season, in year. tax have the repurchases

closing With the that, to Jeff back I'll for now over turn call remarks.

JeffreyJones

you, Tiffany. Thank

of the devastating to want I call, wildfires the California. acknowledge in up wrapping Before the state

and broader Our everyone has community. who our including clients associates, been the with thoughts affected, are

in these providing and We steadfast during difficult aid commitment to times. hope are fostering our

our franchisees, they capital ready shareholders getting through tax has filing deadline in season. well prepared to practices. grateful extended associates year tremendous I'm half remain IRS them and season. serve for our ability have I'm for equipped In impacted, those the pleased and with for performance closing, the value our and in to business the work confident allocation to As and this our the for results tax drive from the of tax us professionals first this done we

call on our As provide season we QX update will May. a in early reminder, during tax full the a

line Now the operator, for will questions. we open

Operator

line Research. comes Mehta the from of Northcoast Kartik question of [Operator Instructions] Our first

Kartik Mehta

know season, to you trending for volumes Tiffany. way so how it's is early, I for Jeff, block total the but on get I'd tax be interested perspective early think just maybe far. how and your industry, faring they're the

JeffreyJones

in $XXX. the I And and teams to we see know coming week. first with X% but developed we those the Millions plans for incremental know, outlook, industry the to getting faster year the is to e-file back and started volume our have as are in opening lower. We We are to the thresholds thanks this anticipating is documents X in be last think in our it have just don't slightly contemplated learning. are trends. The in Kartik, big continue the a news are DIY any for which, years, industry. with a we than these still And normal That's the growth. execute still good volume ready Yes, we're assisted of people going historical will receive obviously, time. of growing line year, to going year question.

that to in the come campaign. on and market, feel I now, the see to the changes good our the remains both So experience we've horizon, very to right made, marketing start life strategy but product our

the So of all us. is business still ahead

Kartik Mehta

as And or a on you follow-up, this in assisted competition difference the seeing Jeff, side? either just year, DIY side any are

JeffreyJones

we've to think I has in but DIY, well and now news plans seen of with consumers, years that's news assisted probably for all tried understand their pretty I has a the our and make say recognize are assisted Intuit moves taking and there. largely the biggest that would business, to And what for we couple particular. in the think in both they as been steps assisted in I drives the and value basis business has what the Well, been done do dissatisfaction that's

Kartik Mehta

marketing of the as one, a of And Jeff. Are just final result one any changing competition? strategies you your

JeffreyJones

is competition going Well, we pay we're to know to our do, developing But always attention as competition. we obviously. what don't obviously plans marketing

think of moves in needs, have this are. on So know made terms we what match clients, year, new our for like our things And increasing the we we're our what strengths focused we refund price consumer do guarantee do really advance. the

valuable Second an for product is look, consumers. which incredibly

our to We tax have made execute. for that very easy pros

this that X value are that we those designed deliver. things So year new really are demonstrate the to

Operator

next Our Tong Sachs. comes question line from of Goldman of George the

Keen Fai Tong

from you're can that HR Block? impact and to this industry tax negatives season, start what from IRS, you seeing the enter could the talk the As and positive about specifically you both government,

JeffreyJones

George.

announced underway of many head final listen, in. that through IRS waiting an administrations. comes of appointment administration a an interim. We're appoint there's been as commissioner. We've obviously, for change They They new with So times the IRS. the

We file tax season. to Secretary, Besson, Incoming this expect direct remaining Treasury come. has operational that committed to

we're changes And So said been not aware direct given many companies, tax of And seen through to any think us, offer not try changes along, free for we've file many I don't we've that administration there. and from operationalize then ready we over and already we're coming what that's as those prep. our any you we've changes are year, all happen come this how many, season many, doing changes impact But including will clients. well. we that you because every learned serve have any obviously as what single And come predict time. to

Keen Fai Tong

then independents? you look can price you makes what if for from about talk at compares competitively That H&R Block's independent and point independents, year sense. seeing it. seeing with Got how competition, this you're respect to And with what from you're

JeffreyJones

independence sophisticated covers CPA different and the very, swath great the kinds Yes, question. obviously, and label organizations shops. pop the a the mom of regionals to very from of And wide

if have never cares provider. independent tried that lowest the true. them. about who price, We will standpoint, price someone will pricing So remains be they for find from know an only we do somewhere to a That

just combination advance, assisted continue increase and the the this local the use of added office, refund simply experience offering we've one big not our reimagined the that to we offer. of think in of that tax demonstrate expertise, made look know are to of ease the second things I independents size our is year moves completely

many so good about proposition. market. in value recognizing our And I feel independence there are of But again, the types

Operator

Alex the Paris of Barrington Research. question comes Our next of from line

Alexander Paris

few a here. I and dogs cats have

incremental It on results contributor off, have no in K, a First contemplated significant. volume that year. could XXXX it Is be outlook. this said had to you your you potential

$X,XXX they've reduced for gig think the I right? that to economy. Is threshold the from

JeffreyJones

Yes, upside true could down to contemplated is threshold and the go is to that Both years. if exactly $XXX X right. things that that's it it. over remain we right. this going That's the haven't represent and next all threshold year,

Alexander Paris

file. And comments Great. then right. regard All your with to direct

filing we agency? XXF they XXF Besson, tax of to Secretary said this Musk What all think yesterday But that the agency. You saw I is committed -- has say for it the Treasury, season. saw I Elon deleted have

JeffreyJones

a is Well, listen, don't third-party builds direct I the file I changes for company. and know focus running counter about stay had clients, our that in was they other and right? So And and say what to know that in file. most for all think for responsible doing organization focused I the are building headlines IRS than in who just of them. this foot many that's personally. we that the what's I speak certainly our important can't them do a still how year, products we headlines I That's serving can can are is up things there assure you under us direct on

Alexander Paris

free. again, this And is

You offering. preparers have that free offerings. have a other XX There's free

way of File. to And volume think free I think right lose Is you that to it? the scenario, sort Direct about some worst-case

JeffreyJones

we've delivers financial share volume value to counts that think as the it that assessed I mean there I Yes. as over is company. time, no market

product. that so is That market true. counts obviously, those And for deliver we about of very clients, But although compete we possible, any possible free the in financial is X client continuing lose it millions we to offer serve value. feel doesn't share year could again, last fliers it we a that that good and but is conceptually

Alexander Paris

a are them pricing then plans What In this DIY separately? in couple little for or can speak together of year? last the And you to assisted ones. just Great. general,

JeffreyJones

price incredibly in in price now the has low break pricing pricing layering business, mean for will match increase guarantee. Remembering transparent new apart. them that strategy clients, I assisted our delivering I important single-digit Yes. is that's really remained and the and consistent

value business. in a a business. it's prop the dynamic assisted In that's more DIY So

more Our pricing is There's pricing. base and both SKU dynamic. pricing attach

been increasing but maintaining as you a advantage that's this for prices We year. to and strategy price are TurboTax, relative know, our there, have still for still consistent our we also

Alexander Paris

loan, its X,XXX to to Okay. And increased up year? Advanced you size the What it X,XXX. refit was or last

JeffreyJones

not in max year had a that We while. increased X,XXX.

Alexander Paris

rate kept it no free, you've interest or fees. no And

JeffreyJones

That's right, which is among differentiated, quite independents. particularly but

Alexander Paris

And to Okay. in I is horse but And don't fee why? then at the of Emerald But one you and year want It's small last beat revenue. full line? what it would and Advance. percentage over, a that weakness in interest attribute revenue the

JeffreyJones

Yes, long to and Tiffany in, this Emerald And this Yes. if a didn't can. Pathword Advance she yes. that and with I'll season start wants obviously, add partnership ago. is end But

we're So One into. we continually mix approval rates with performance. digging things our that that say is X to would try repayment as I really rates, And getting still evaluating we're balance right.

tightened So guidelines apply, bad we year. the this last situation for underwriting year. had have we we're And approving but debt clients the we don't

from funnel, to second, that it. want funnel. at attract of learn So want attract top we've then we to And qualified got is evaluate to to the top looking of anything the well people but we and prospects decision to are also we

its customers. could have we for done continue And product is we anything a we'll for apply good so to that different? And year? next how dig This into do

right And so but we as we about can just and go with feel that offering, core we as underwriting forward. trying balancing get prospects as repayment, that good to we're

Operator

Company. from the Scott & Oppenheimer Our next Schneeberger of of line question comes

Scott Schneeberger

maybe one, is differentiates competitively on up future in something that last seasons? In you evaluation something feel may And it that Advance, Jeff. Just discontinue of it's not not? your following perhaps or you Emerald that

JeffreyJones

in discontinuing not product. Scott, the clients for we're listen, product serves. don't -- see it mean, value I Yes. the we evaluating We the

may but And also recall X volume a of You product, bad great debt relaunched loan that wholesale we growth. saw new we saw product. year, last growth, new we in year

better. managed this so And year, we've that

we no definitely in with we how do partner, our have discontinue to rates attracting evaluating delivering approval bank improve plans we're of the that it, we're but prospects it. and right So terms both evaluating

Scott Schneeberger

tier Switching to they, you of gears. was And could add competitor you tier did going telegraphed kind fashion, getting Block of But that what offer did just I all that the or customer you a guess, year. these it is at. a tiers. difference basic larger versus On Do a different levels, of pretty I'm this customer your fact, DIY, of in of the gets a kind in what H&R TurboTax well to speak what on of not. each shape was essentially

you how standard offerings? new the versus Just your differentiate

JeffreyJones

things have core look what's Yes, competition. tax we obviously, Scott, that's things by human you continue a the when at it like things exploit once and we And to points in we by would for transparency our us about put do. that we'll deliver don't attach And and us to I price SKU their as customers health. of value of detailed experience, pricing versus enormously just continue guess our saying I that pricing the question coverage, price we summarize and you've an you're pain lineup real upsold advantage. AI SKU of and constantly form and not maintain covered we to all assist point, how at base being do, are lineup, like and things that together, know feel good seen we

Scott Schneeberger

a the is But quarter. we or full that expect what this Just that's to in the spend. and want we it to approach And year, campaign decrease, for market just what us, in year, me, On on increase it if timing your summary your it you couple and campaign. you summarize differentiate on this marketing Jeff. But from fine. a see first should more of year for could category, the marketing

JeffreyJones

spend, those, I obviously block. than competition in I contemplated it's in would timing earlier And all not early few no things. promise if the as say last better if campaign, do I fall. as our hit with we to all See the meaningful year, I outlook, leaning can that we saw Okay. real a but last starting mean summarize change are

more into are digital channels We with skewing personalized experiences. increasingly

consumer great to feedback what really bigger vetted instead. competition have those know delivers, we have claims, is second leaning testing we're lean advance refund claims into specific and We and into, that really things offers, a what strong direct look those really about of competitive got trying and we've received being kind our claims and

you'll in in digital into television claims so lean very all those in strongly. And us e-mail see channels

Scott Schneeberger

And have release year-to-year. the $X,XXX any additional there's early to increasing Great. magnitude. you season know pretty to you but you That data shouldn't that But that H&R seems Block tax standard don't to I Did just lastly, have much per highlighted for a curious XXXX. things tax that, could magnitude, in credit think maximum qualifying impact. child January, think an change. that if Do anticipate in

JeffreyJones

cut off of And tax at expect customary to would that be heard the your think I material you impact the you. end, year-over-year code to have yes, the question, kind a any consider in I change of don't at performance. Scott, on beginning I that but we

Operator

the I closing back to would to remarks. turn now Colby conference like Brown for Sir?

Colby Brown

Latif, call. you, thanks, results XXXX us everyone, joining conference second This our financial Thank and today. fiscal quarter concludes for

Operator

concludes for conference This you Thank participating. call. today's

may You now disconnect.

H&R Block (HRB) 4 Feb 252025 Q2 Earnings call transcript