INTUIT INC.(INTU)Stock Analysis
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Rank #24 of 2,879 stocksTOP 1%
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk
INTU Stock Analysis & AI Quality Score
AI stock analysis and institutional research for INTUIT INC. (INTU), a Technology sector company. 13F Pro's AI-powered ranking engine scores INTU at 82.0/100 on a 32-signal composite quality model, placing it at rank #24 of 2,879 stocks — the top 1% of the AI-ranked universe. INTU scores in the top quartile across balance sheet strength (96.3), revenue scale (94.3), free cash flow (92.1). Shareholder dilution risk is elevated at 16.5/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q3 2026), INTUIT INC. reports quarterly revenue of $8.6B, net income of $3.1B, free cash flow of $5.2B. Top institutional holders of INTU by reported 13-F value include BlackRock,, VANGUARD CAPITAL MANAGEMENT, STATE STREET, based on the most recent SEC filings. INTU trades on the Nasdaq exchange and files with the SEC under CIK 896878. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate INTU daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for INTUIT INC. directly from SEC EDGAR. INTUIT INC.'s 13F Pro composite quality score has ranged between 8 and 90 since 2021, currently 82.0 — a stable long-term trajectory across 56 quarterly and live scoring snapshots.
What's Driving INTU's Business? Latest 10-Q Breakdown
✓ 21/21 datapoints verifiedAI-extracted from INTUIT INC.'s 10-Q filed 2026-05-20 — Q3 FY2026 (quarter ended April 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Total net revenue of $8.6B grew 10% YoY driven by 15% growth in Global Business Solutions and 8% growth in Consumer segment; operating income rose 8% to $4.0B.
Biggest Revenue Drivers
Total revenue: $8.6B+10% YoY
Growth driven by Online Ecosystem revenue, particularly QuickBooks Online Accounting (+22%) and Online Services (+15%) from money and payroll offerings
Growth in assisted tax and consumer money offerings, and strength in Credit Karma personal loan and insurance verticals, partially offset by fewer TurboTax federal units
Largest Expense Items
Increased marketing expenses of $92M in quarter and $177M year-to-date
Staffing and investments in AI and product development capabilities
Increased costs from QuickBooks Capital loan volume, online payments, staffing for customer support and tax experts
Margins: Operating income margin remained solid at 47% of total net revenue in Q3 FY26 versus 48% in Q3 FY25, as revenue growth of 10% was partially offset by a 11% increase in operating expenses, reflecting investments in staffing, marketing, and outside services.
Watch Items from the Filing
- Restructuring charges of $300M-$340M planned for Q4 FY26 related to workforce reduction and site closures as part of the 2026 Plan to simplify organizational structure.
- Tax business exposed to regulatory and competitive pressure including potential IRS direct filing system and legacy IRS Free File Program expansion, which could materially reduce consumer tax revenue.
- Credit Karma member engagement and creditworthiness pressured by macroeconomic conditions; adverse economic conditions may reduce Credit Karma partner offerings and member ability to qualify for products.
- Global Business Solutions Online Ecosystem revenue accelerating at 19% YoY with QuickBooks Online Accounting growth of 22% and Online Services growth of 15%, demonstrating strong momentum in subscription and money offerings.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
Revenue
Q3 2026
$8.6B
Net Income
Q3 2026
$3.1B
Free Cash Flow
Q3 2026
$5.2B
ROIC
Q3 2026
15.0%
D/E Ratio
Q3 2026
0.34
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Revenue
+95.5% YoYNet Income
+87.6% YoYOperating Income
+96.9% YoYEPS (Diluted)
+80.8% YoYTotal Assets
+138.2% YoYTotal Debt
+193.7% YoYOp. Cash Flow
+91.0% YoY| Metric | FY 2025 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|
| Revenue | $18.83B +95.5% | $9.63B +25.4% | $7.68B +13.2% | $6.78B +12.6% | $6.03B +16.0% | $5.20B |
| Net Income | $3.87B +87.6% | $2.06B +12.9% | $1.83B +17.3% | $1.56B +17.2% | $1.33B +34.9% | $985.0M |
| Operating Income | $4.92B +96.9% | $2.50B +14.9% | $2.18B +17.4% | $1.85B +18.8% | $1.56B +10.0% | $1.42B |
| EPS (Diluted) | $13.67 +80.8% | $7.56 +9.2% | $6.92 +17.5% | $5.89 +15.7% | $5.09 +34.7% | $3.78 |
| Total Assets | $36.96B +138.2% | $15.52B +41.9% | $10.93B +74.0% | $6.28B +22.4% | $5.13B +26.2% | $4.07B |
| Total Debt | $5.97B +193.7% | $2.03B -39.9% | $3.39B +676.6% | $436.0M -0.5% | $438.0M -10.2% | $488.0M |
| Operating Cash Flow | $6.21B +91.0% | $3.25B +34.6% | $2.41B +3.9% | $2.32B +10.0% | $2.11B +32.1% | $1.60B |
AI Insight: INTU Financial Trends
Q2 2026 operating income surged to $4,020M, highest on record, as revenue jumped 10.4% YoY to $8,558M.
• Operating income expanded dramatically from $339M in Q3 2025 to $4,020M in Q2 2026, demonstrating strong operational leverage.
• Operating cash flow reached $5,300M in Q2 2026, up 20.5% from $4,395M in Q2 2025, signaling robust cash generation.
• Total debt stabilized near $6,900M over past four quarters while equity grew to $20,629M, improving leverage profile.
⚠ Q2 and Q4 quarters show material spikes in revenue and profitability; off-quarters (Q3, Q1) run 40–50% lower—seasonal concentration risk.
⚠ Net income volatility high: Q2 2026 at $3,064M versus $381M in Q3 2025, reflecting lumpy earnings pattern despite revenue consistency.
AI Insight: INTU Ratio Trends
Intuit's profitability surged to TTM OpMargin of 27.5%, driven by massive seasonal Q2 2026 strength with 47% OpMargin and 58.4% ROIC.
• OpMargin expanded from -4.7% in Q3 2024 to 27.5% TTM; Q2 2026 spike to 47% OpMargin reflects seasonal revenue concentration.
• ROIC recovered sharply from -2.4% in Q3 2024 to 20.9% TTM, with Q2 2026 at 58.4% showing strong capital efficiency.
• Leverage stable; D/E ratio averaged 0.34–0.38 range across all periods, currently at 0.34 TTM.
⚠ Extreme Q2 volatility: Q2 2026 metrics (47% OpMargin, 59.4% ROE) dwarf off-season quarters, suggesting lumpy earnings.
⚠ Q3 profitability consistently weak; Q3 2025 OpMargin fell to 8.8% vs Q2 2025's 48%, indicating seasonal deceleration risk.
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Top Institutional Holders of INTU
BlackRock, Inc.
$11.0B25,475,596 shVANGUARD CAPITAL MANAGEMENT LLC
$7.8B18,079,151 shSTATE STREET CORP
$5.6B12,962,149 shVANGUARD PORTFOLIO MANAGEMENT LLC
$3.6B8,281,599 shGEODE CAPITAL MANAGEMENT, LLC
$2.9B6,792,421 shMORGAN STANLEY
$2.5B5,688,825 shInvesco Ltd.
$2.0B4,534,950 shARROWSTREET CAPITAL, LIMITED PARTNERSHIP
$1.7B3,896,561 shNORTHERN TRUST CORP
$1.4B3,335,324 shUBS AM, a distinct business unit of UBS ASSET MANAGEMENT AME
$1.3B3,118,514 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $11.0B | 25,475,596 |
| VANGUARD CAPITAL MANAGEMENT LLC | $7.8B | 18,079,151 |
| STATE STREET CORP | $5.6B | 12,962,149 |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $3.6B | 8,281,599 |
| GEODE CAPITAL MANAGEMENT, LLC | $2.9B | 6,792,421 |
| MORGAN STANLEY | $2.5B | 5,688,825 |
| Invesco Ltd. | $2.0B | 4,534,950 |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $1.7B | 3,896,561 |
| NORTHERN TRUST CORP | $1.4B | 3,335,324 |
| UBS AM, a distinct business unit of UBS ASSET MANAGEMENT AME | $1.3B | 3,118,514 |
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Is INTU a good stock to buy?
13F Pro's AI-powered analysis of INTUIT INC. (INTU) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Technology sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for INTU are available on the INTU stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own INTU?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling INTU. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of INTUIT INC.'s investment landscape.