H&R Block is a tax preparation and financial services company that serves individuals and small businesses across the United States, Canada, and Australia through a blend of in-person offices, digital platforms, and virtual services. The company generates revenue primarily from assisted and do-it-yourself tax return preparation offerings, supplemented by financial products such as refund transfers, prepaid debit cards, short-term loans, identity protection services, and audit representation plans. Additionally, H&R Block operates Wave, an online platform providing payment processing, payroll, and bookkeeping services for small business owners, and Block Advisors, which delivers tax, bookkeeping, and payroll services through a franchise and company-owned office network that collects royalties from franchisees based on tax preparation revenues.