Key Takeaways HRB drives growth through higher U.S. assisted tax preparation volumes and rising net average charges.HRB's Spruce platform and AI Tax Assist boost client growth and enhance digital experience.HRB faces seasonality risks, falling RPE and intense competition impacting profitability.H&R Block (HRB) is primarily driven by its high-volume sales in U.S. assisted tax preparation. The company’s Spruce, AI Tax Assist software and Do It Yourself (DIY) software are helping to gain a significant number o ...