INTU
9/9 ScoreIntuit Inc.
Analysis Date: February 17, 2026
Intuit Inc. provides financial management and compliance products and services for consumers, small businesses, self-employed, and accounting professionals in the United States, Canada, and internationally. The company operates in four segments: Small Business & Self-Employed, Consumer, Credit Karma, and ProConnect. The Small Business & Self-Employed segment provides QuickBooks online services and desktop software solutions comprising QuickBooks Online Advanced, a cloud-based solution; QuickBooks Enterprise, a hosted solution; QuickBooks Self-Employed solution; QuickBooks Commerce, a solution for product-based businesses; QuickBooks Online Accountant and QuickBooks Accountant Desktop Plus solutions; and payroll solutions, such as online payroll processing, direct deposit of employee paychecks, payroll reports, electronic payment of federal and state payroll taxes, and electronic filing of federal and state payroll tax forms. This segment also offers payment-processing solutions, including credit and debit cards, Apple Pay, and ACH payment services; QuickBooks Cash business bank account; and financial supplies and financing for small businesses. The Consumer segment provides TurboTax income tax preparation products and services; and personal finance. The Credit Karma segment offers consumers with a personal finance platform that provides personalized recommendations of home, auto, and personal loans, as well as credit cards and insurance products. The ProConnect segment provides Lacerte, ProSeries, and ProFile desktop tax-preparation software products; and ProConnect Tax Online tax products, electronic tax filing service, and bank products and related services. It sells products and services through various sales and distribution channels, including multi-channel shop-and-buy experiences, websites and call centers, mobile application stores, and retail and other channels. The company was founded in 1983 and is headquartered in Mountain View, California.
Buffettology Criteria
All 9 of 9 criteria passed
High ROE
Return on Equity > 12%
Value: 21.4%
High ROIC
Return on Invested Capital > 9%
Value: 15.6%
Cash Machine
FCF / Assets > 5%
Value: 16.5%
Fair Valuation
Earnings Yield > 3.5%
Value: 3.7%
Share Buybacks
Share Count is Dropping
Value: 0.0%
Defensible Moat
Gross Profit Margin > 40%
Value: 80.8%
Simple Business
Not in a speculative sector (e.g., Biotech)
Value: Technology
Conservative Debt
Debt to Equity < 1.5
Value: 0.35x
Consistent Growth
5-Year Growth is Positive
Value: 97.5%
Analysis Summary
This is a fine-looking operation. Intuit demonstrates robust profitability with its high ROE and ROIC, suggesting it's a cash-generating engine with a price-to-earnings growth ratio that *doesn't* break the bank. The wide moat in its technology niche, coupled with conservative debt levels and consistent growth, paints a picture of a well-managed business poised for the long haul.
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