Intuit Inc. (INTU) stock analysis
Company overview and business model
Source fact: Intuit Inc. provides financial management, payments and capital, compliance, and marketing products and services in the United States. The company operates in four segments: Global Business Solutions, Consumer, Credit Karma, and ProTax. The Global Business Solutions segment provides QuickBooks services, which include financial and business management online services, desktop software, payroll solutions, time tracking, merchant payment processing and bill pay solutions, checking accounts, and financing services for small and mid-market businesses; and Mailchimp, a marketing automation and customer relationship management. This segment also offers QuickBooks online services and desktop software solutions comprising QuickBooks Online, QuickBooks Live, QuickBooks Online Advanced, QuickBooks Self-Employed, QuickBooks Solopreneur financial and business management offerings, QuickBooks Online Payroll, QuickBooks Checking, QuickBooks Desktop software subscriptions, and QuickBooks Assisted Payroll. The Consumer segment provides do-it-yourself and assisted TurboTax income tax preparation products and services. The Credit Karma segment offers consumers with a personal finance platform that provides recommendations for credit card, home, auto, and personal loan, and insurance products; online savings and checking accounts; and access to its credit scores and reports, credit and identity monitoring, credit report dispute, credit building tools, and tools. The ProTax segment provides Lacerte, ProSeries, and ProFile desktop tax-preparation software products; and ProConnect Tax Online bill pay tax products, electronic tax filing service, and bank products and related services. It sells products and services through direct sales channels, multichannel shop-and-buy experiences, mobile application stores, and partner and other channels. Intuit Inc. was founded in 1983 and is headquartered in Mountain View, California.
Classification: NASDAQ · Technology · Software - Application
Revenue and growth
Source fact: Revenue was USD 18.83 billion for the period ending 2025-07-31.
Caverian calculation: Revenue changed +15.6% (FY2025 vs FY2024).
Profitability
Source fact: Net income was USD 3.87 billion in the latest reported period.
Source metric: Reported net margin was 20.5%.
Balance sheet and liquidity
Source fact: Cash and equivalents were USD 2.88 billion.
Source fact: Total debt was USD 6.64 billion.
Source metric: Current ratio was 1.36x.
Cash-flow analysis
Source fact: Operating cash flow was USD 6.21 billion.
Source fact: Free cash flow was USD 6.08 billion.
Valuation
Source metrics: Trailing P/E 22.07x; Forward P/E 13.45x; Price to book 4.88x; Price to sales 4.80x; EV/EBITDA 15.68x.
Caverian model output: Value score was 60/100.
Competitive position
Classification: Peer context: Software - Application within Technology.
Caverian model output: Quality score was 82/100.
Caverian model output: Growth score was 78/100.
Material risks
Caverian calculation: Altman Z-score was 5.32 (safe zone).
Caverian calculation: Piotroski F-score was 9/9.
Data sources and freshness
Freshness: This report uses a stored upstream snapshot; statement periods are shown alongside the figures.
Methodology and limitations
Facts reproduce stored upstream fields. Calculations derive only from the displayed stored statements. Model outputs are Caverian interpretations, not investment advice or a buy/sell recommendation.
How Caverian approaches valuation · Sources and product principles