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Intuit (INTU)
NASDAQ:INTU
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Intuit (INTU) AI Stock Analysis

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INTU

Intuit

(NASDAQ:INTU)

Rating:71Outperform
Price Target:
$726.00
▲(9.47% Upside)
Intuit's strong financial performance and positive earnings call sentiment are significant strengths, driving the overall score. However, technical analysis indicates bearish momentum, and the high P/E ratio suggests a premium valuation, which tempers the overall score.
Positive Factors
AI Integration
Integration of AI across Intuit's platform is expected to enhance growth prospects moving forward.
Earnings
Intuit posted top- and bottom-line beats vs guidance for total revenue and EPS.
Market Presence
Intuit's diversified market presence and commitment to innovation position it as a driver and beneficiary of market modernization.
Negative Factors
Growth Forecast
Growth forecast for Global Business Solutions and Credit Karma came in below consensus, which might disappoint some investors.
Guidance
FY2026 total revenue guide of ~12% y/y was below consensus by ~50bps.
Mailchimp Performance
Mailchimp is experiencing growth headwinds, which are impacting the overall business growth.

Intuit (INTU) vs. SPDR S&P 500 ETF (SPY)

Intuit Business Overview & Revenue Model

Company DescriptionIntuit Inc. (INTU) is a leading financial software company headquartered in Mountain View, California. Founded in 1983, Intuit specializes in developing products that simplify financial management for individuals, small businesses, and accountants. Its core offerings include QuickBooks for accounting, TurboTax for tax preparation, and Mint for personal finance management. Intuit operates primarily in the financial technology sector, providing solutions that empower users to manage their finances, optimize tax processes, and streamline business operations.
How the Company Makes MoneyIntuit generates revenue through several key streams. The largest portion comes from subscription fees associated with its software products, particularly QuickBooks, which offers various tiers of service based on user needs. TurboTax generates revenue through direct sales of its tax preparation software, with additional income from premium features and services. Moreover, Intuit earns money through transaction fees from payments processed via QuickBooks Payments and other related services. Advertising and partnerships also contribute to revenue, especially through Mint, which offers targeted financial product recommendations. Intuit's strategic partnerships with financial institutions and other technology firms enhance its ecosystem, driving user acquisition and retention, which in turn fuels its revenue growth.

Intuit Key Performance Indicators (KPIs)

Any
Any
Revenue by Segment
Revenue by Segment
Breaks down sales across Intuit's various business lines, revealing which areas are strongest and where there might be opportunities or challenges.
Chart InsightsIntuit's Small Business and Self-Employed segment continues its robust growth trajectory, supported by QuickBooks Online's strong performance. The Consumer segment shows seasonal peaks, with TurboTax Live driving significant revenue increases, reflecting a strategic focus on AI-driven innovations. Credit Karma's revenue growth has accelerated, contributing to Intuit's raised fiscal 2025 guidance. However, challenges remain with TurboTax user experience and stagnant Mailchimp revenue, which the company aims to address. Overall, Intuit's strategic initiatives in AI and mid-market penetration are expected to sustain its growth momentum.
Data provided by:Main Street Data

Intuit Earnings Call Summary

Earnings Call Date:Aug 21, 2025
(Q4-2025)
|
% Change Since: |
Next Earnings Date:Nov 20, 2025
Earnings Call Sentiment Positive
Intuit delivered strong financial performance, with significant growth in revenue, particularly in TurboTax Live and Credit Karma. The company's strategic focus on AI and mid-market expansions shows promising potential. However, Mailchimp's underperformance and potential challenges with SEO search dynamics were noted. Overall, the positive outcomes outweigh the challenges.
Q4-2025 Updates
Positive Updates
Record Revenue Growth
Intuit's full-year revenue grew 16%, with operating income growing 36% on a GAAP basis and 18% on a non-GAAP basis.
TurboTax Live Success
TurboTax Live revenue grew 47%, surpassing long-term growth expectations of 15% to 20%.
Mid-Market Expansion
Intuit's mid-market segment grew 23% in customers and 40% in Online Ecosystem revenue, serving a significant $89 billion TAM.
Credit Karma Growth
Credit Karma revenue grew 32% for the fiscal year and contributed to TurboTax revenue growth.
AI and Innovation Initiatives
Intuit launched a transformative business platform with AI agents, driving significant customer engagement.
Strong Q4 Performance
Q4 revenue grew 20%, with GAAP operating income reaching $339 million, up from a loss of $151 million in the previous year.
Negative Updates
Mailchimp Revenue Decline
Mailchimp's revenue was down slightly versus the previous year, consistent with expectations, and is expected to exit fiscal 2026 with double-digit growth.
SEO Search Concerns
There are concerns about lead generation slowing due to changes in SEO search dynamics.
Company Guidance
During Intuit's Fourth Quarter and Fiscal Year 2025 Conference Call, the company reported strong fiscal results, with a full-year revenue growth of 16% and a 20% increase in Q4 revenue, reaching $3.8 billion. GAAP operating income for the quarter was $339 million, reversing a loss from the previous year, while non-GAAP operating income increased by 39% to $1 billion. The Global Business Solutions Group achieved an 18% growth in revenue, with the Online Ecosystem segment growing by 21% in Q4. QuickBooks Online Accounting saw a 23% increase, and TurboTax Live revenue surged by 47%. Looking forward to fiscal year 2026, Intuit anticipates a 12% to 13% total company revenue growth, with double-digit growth expected in TurboTax and Credit Karma segments. The company plans to continue leveraging its AI-driven expert platform strategy to drive further innovation and growth.

Intuit Financial Statement Overview

Summary
Intuit demonstrates strong profitability with consistent revenue growth and robust margins. The balance sheet is solid with prudent leverage, though the increase in total debt requires monitoring. Cash flow metrics are strong, despite recent declines in free cash flow growth.
Income Statement
85
Very Positive
Intuit's income statement shows strong profitability with a consistent gross profit margin above 80% and a net profit margin improving to over 20% in recent years. Revenue growth has been steady, albeit slowing slightly, with a 3.56% increase in the latest year. EBIT and EBITDA margins are robust, indicating efficient operations. Overall, the company demonstrates strong revenue generation and profitability, though the slowing growth rate could be a concern.
Balance Sheet
78
Positive
The balance sheet reflects a solid financial position with a manageable debt-to-equity ratio around 0.33, indicating prudent leverage. Return on equity has been improving, reaching nearly 20%, showcasing effective use of equity capital. The equity ratio is healthy, suggesting a stable asset base. However, the increase in total debt over the years warrants monitoring.
Cash Flow
72
Positive
Cash flow analysis reveals strong operating cash flow relative to net income, though free cash flow growth has been negative recently, which could impact future flexibility. The free cash flow to net income ratio remains high, indicating efficient cash generation. Despite the recent decline in free cash flow growth, the company maintains solid cash flow metrics overall.
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue18.83B18.83B16.29B14.37B12.73B9.63B
Gross Profit15.10B15.21B12.82B11.22B10.32B7.95B
EBITDA5.89B5.89B4.58B4.04B3.37B2.95B
Net Income3.87B3.87B2.96B2.38B2.07B2.06B
Balance Sheet
Total Assets36.96B36.96B32.13B27.78B27.73B15.52B
Cash, Cash Equivalents and Short-Term Investments4.55B4.55B4.07B3.66B3.28B3.87B
Total Debt6.57B6.57B6.57B6.69B7.54B2.48B
Total Liabilities17.25B17.25B13.70B10.51B11.29B5.65B
Stockholders Equity19.71B19.71B18.44B17.27B16.44B9.87B
Cash Flow
Free Cash Flow6.08B6.08B4.63B4.79B3.66B3.13B
Operating Cash Flow6.21B6.21B4.88B5.05B3.89B3.25B
Investing Cash Flow-2.32B-2.32B-227.00M-922.00M-5.42B-3.96B
Financing Cash Flow-1.51B-1.51B-397.00M-4.27B1.73B-3.18B

Intuit Technical Analysis

Technical Analysis Sentiment
Negative
Last Price663.17
Price Trends
50DMA
750.23
Negative
100DMA
706.90
Negative
200DMA
663.15
Positive
Market Momentum
MACD
-26.49
Positive
RSI
26.44
Positive
STOCH
21.98
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For INTU, the sentiment is Negative. The current price of 663.17 is below the 20-day moving average (MA) of 721.08, below the 50-day MA of 750.23, and above the 200-day MA of 663.15, indicating a neutral trend. The MACD of -26.49 indicates Positive momentum. The RSI at 26.44 is Positive, neither overbought nor oversold. The STOCH value of 21.98 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for INTU.

Intuit Risk Analysis

Intuit disclosed 34 risk factors in its most recent earnings report. Intuit reported the most risks in the "Tech & Innovation" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

Intuit Peers Comparison

Overall Rating
UnderperformOutperform
Sector (61)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
75
Outperform
$60.43B60.5242.36%12.89%1.23%
74
Outperform
$314.81B44.3115.34%0.96%10.95%161.61%
73
Outperform
$233.02B38.7710.31%0.65%7.97%14.85%
71
Outperform
$183.98B48.0620.29%0.63%15.63%30.62%
70
Outperform
$59.51B103.086.66%14.21%-62.56%
68
Neutral
$64.85B-40.16%27.50%-49.96%
61
Neutral
$35.62B7.50-10.94%1.87%8.86%-10.27%
* Technology Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
INTU
Intuit
663.17
50.09
8.17%
ADSK
Autodesk
285.95
31.33
12.30%
CRM
Salesforce
250.16
-7.23
-2.81%
SAP
SAP AG
275.11
59.54
27.62%
WDAY
Workday
229.71
-30.59
-11.75%
SNOW
Snowflake
200.39
88.83
79.63%

Intuit Corporate Events

Dividends
Intuit Declares Cash Dividend of $1.20 Per Share
Positive
Aug 21, 2025

On August 21, 2025, Intuit announced that its Board of Directors approved a cash dividend of $1.20 per share, to be paid on October 17, 2025, to shareholders of record as of October 9, 2025. This decision reflects Intuit’s commitment to returning value to its shareholders, with future dividends subject to the Board’s discretion.

Executive/Board Changes
Intuit Announces Leadership Transition in People & Places
Neutral
Jun 16, 2025

On June 16, 2025, Intuit Inc. announced that Laura Fennell, the Executive Vice President and Chief People & Places Officer since August 2018, will transition to a new role effective July 31, 2025. During her transition period until September 1, 2027, she will receive a structured compensation package, and her equity awards will continue to vest. Caryl Hilliard, the current Senior Vice President, People & Places, will assume the role of Chief People & Places Officer starting August 1, 2025.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Aug 26, 2025