📊 INTU Key Takeaways
Is Intuit Inc.. (INTU) a Good Investment?
Intuit demonstrates exceptional fundamental strength with 31.6% operating margins, outstanding 43.1% free cash flow margin, and a fortress-like balance sheet with 0.30x leverage. Strong returns (ROE 20.4%, ROA 10.7%) and minimal capital intensity show efficient capital deployment, though lack of YoY growth visibility limits confidence in trajectory.
Intuit shows strong fundamental quality through high free cash flow generation, double-digit operating profitability, and a conservative balance sheet with manageable leverage and solid interest coverage. The business converts revenue into cash efficiently, which supports resilience and reinvestment capacity, though the relatively modest ROE/ROA and lack of visible year-over-year growth data keep the outlook below the highest conviction tier.
Intuit Inc.. Key Strengths (INTU)
- Exceptional profitability: 31.6% operating margin and 24.6% net margin demonstrate strong pricing power and operational efficiency
- Outstanding cash generation: $7.4B free cash flow with 43.1% FCF margin indicates superior conversion of revenues to cash
- Conservative balance sheet: 0.30x debt-to-equity ratio and 29.1x interest coverage provide substantial financial flexibility
- Excellent capital returns: 20.4% ROE and 10.7% ROA show efficient deployment of shareholder and total capital
- Low capital intensity: $148M CapEx (0.87% of revenue) typical of software business with minimal reinvestment needs
- Strong cash generation with approximately $2.12B of free cash flow and a 24.9% FCF margin
- Healthy profitability with 16.3% operating margin and 13.3% net margin
- Sound financial position with 1.32x liquidity, 0.32x debt-to-equity, and 12.0x interest coverage
INTU Stock Risks: Intuit Inc.. Investment Risks
- Missing growth visibility: YoY revenue and earnings growth rates not available, preventing assessment of market expansion trajectory
- Competitive intensity: Prepackaged software sector faces continuous innovation and customer retention pressures
- Gross margin unknown: Absence of gross margin data limits understanding of product-level profitability and pricing power sustainability
- Insider activity level: 14 Form 4 filings in 90 days warrants monitoring for potential insider sentiment shifts
- Debt servicing obligation: $6.2B long-term debt requires ongoing cash management despite low leverage ratios
- ROE of 6.0% and ROA of 3.3% suggest capital efficiency is only moderate relative to the asset and equity base
- Growth quality is harder to judge because year-over-year revenue, earnings, and margin trends are not provided
- Margins could face pressure if operating expenses rise faster than revenue, especially in software competition and customer acquisition
Key Metrics to Watch
- Year-over-year revenue growth rate
- Gross profit margin trends
- Operating cash flow growth trajectory
- Customer acquisition cost and lifetime value
- Return on equity sustainability
- Long-term debt levels and refinancing activity
- Capital expenditure intensity changes
- Year-over-year revenue growth and operating margin trend
- Free cash flow conversion and return on equity improvement
Intuit Inc.. (INTU) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 43.1% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments.
INTU Profit Margin, ROE & Profitability Analysis
INTU vs Technology Sector: How Intuit Inc.. Compares
How Intuit Inc.. compares to Technology sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Intuit Inc.. Stock Overvalued? INTU Valuation Analysis 2026
Based on fundamental analysis, Intuit Inc.. appears fundamentally strong relative to the Technology sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Intuit Inc.. Balance Sheet: INTU Debt, Cash & Liquidity
INTU Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Intuit Inc..'s revenue has grown significantly by 95% over the 5-year period, indicating strong business expansion. The most recent EPS of $8.42 reflects profitable operations.
INTU Revenue Growth, EPS Growth & YoY Performance
INTU Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2026 | $7.8B | $2.8B | $10.02 |
| Q2 2026 | $4.0B | $471.0M | $1.67 |
| Q1 2026 | $3.3B | $197.0M | $0.70 |
| Q3 2025 | $6.7B | $2.4B | $8.42 |
| Q2 2025 | $3.4B | $353.0M | $1.25 |
| Q1 2025 | $3.0B | $197.0M | $0.70 |
| Q3 2024 | $6.0B | $2.1B | $7.38 |
| Q2 2024 | $3.0B | $168.0M | $0.60 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Intuit Inc.. Dividends, Buybacks & Capital Allocation
INTU SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Intuit Inc.. (CIK: 0000896878)
📋 Recent SEC Filings
❓ Frequently Asked Questions about INTU
What is the AI rating for INTU?
Intuit Inc.. (INTU) has a Combined AI Grade of A from Claude (A) and ChatGPT (A) with 82% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are INTU's key strengths?
Claude: Exceptional profitability: 31.6% operating margin and 24.6% net margin demonstrate strong pricing power and operational efficiency. Outstanding cash generation: $7.4B free cash flow with 43.1% FCF margin indicates superior conversion of revenues to cash. ChatGPT: Strong cash generation with approximately $2.12B of free cash flow and a 24.9% FCF margin. Healthy profitability with 16.3% operating margin and 13.3% net margin.
What are the risks of investing in INTU?
Claude: Missing growth visibility: YoY revenue and earnings growth rates not available, preventing assessment of market expansion trajectory. Competitive intensity: Prepackaged software sector faces continuous innovation and customer retention pressures. ChatGPT: ROE of 6.0% and ROA of 3.3% suggest capital efficiency is only moderate relative to the asset and equity base. Growth quality is harder to judge because year-over-year revenue, earnings, and margin trends are not provided.
What is INTU's revenue and growth?
Intuit Inc.. reported revenue of $17.1B.
Does INTU pay dividends?
Intuit Inc.. pays dividends, with $1,015.0M distributed to shareholders in the trailing twelve months.
Where can I find INTU SEC filings?
Official SEC filings for Intuit Inc.. (CIK: 0000896878) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is INTU's EPS?
Intuit Inc.. has a diluted EPS of $15.05.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is INTU's fundamental grade?
Based on our AI fundamental analysis in June 2026, Intuit Inc.. has a A grade with 82% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is INTU stock overvalued or undervalued?
Valuation metrics for INTU: ROE of 20.4% (sector avg: 22%), net margin of 24.6% (sector avg: 18%). Compare these metrics with sector averages to assess valuation.
What is INTU's AI grade for 2026?
Our dual AI analysis gives Intuit Inc.. a combined A grade for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is INTU's free cash flow?
Intuit Inc..'s operating cash flow is $7.5B, with capital expenditures of $148.0M. FCF margin is 43.1%.
How does INTU compare to other Technology stocks?
Vs Technology sector averages: Net margin 24.6% (avg: 18%), ROE 20.4% (avg: 22%), current ratio 1.45 (avg: 2.5).