# Intuit CDR (CAD Hedged) (INTU.TO) fundamentals

Data as of 2026-11-04. TSX, Canada. Sector: Technology / Software. Price C$20.85, market value C$5.6 billion.

## Valuation
- **P/E (trailing): 20.6×** (5-yr avg 1.2×, 3-yr avg 1.2×). Intuit CDR (CAD Hedged) trades at 20.6× trailing earnings, well above its own five-year average of 1.2×: investors are paying up relative to the company's past. The Technology median in the September 2026 study was 32.1×.
- **Price / sales: 0.3×**. Each dollar of revenue is priced at 0.3×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 0.3×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **EV / EBITDA: 1.0×**. Enterprise value is 1.0× operating earnings before depreciation, the multiple that ignores how the company is financed; below 8× is inexpensive for most sectors.
- **Free-cash-flow yield: 154.7%** (5-yr avg 162.4%). Free cash flow equals 154.7% of the market value, in line with its five-year average of 162.4%. Above 5% is generally attractive.
- **Earnings yield: 4.8%**. The inverse of the P/E: 4.8% of the price is earned each year.

## Profitability
- **Gross margin: 80.2%**. Intuit CDR (CAD Hedged) keeps 80.2% of revenue after the direct cost of what it sells, the kind of margin that comes with software, brands or pricing power.
- **Operating margin: 28.8%**. 28.8% of revenue is left after running the business, an exceptional level.
- **Net margin: 21.3%**. 21.3% of each dollar of sales reaches the bottom line.
- **Return on equity: 24.0%**. 24.0% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.
- **Return on invested capital: 23.2%**. Return on all capital, debt included, is 23.2%: comfortably above what that capital costs.
- **Return on assets: 12.4%**. Each dollar of assets produces 12.4% of profit.

## Growth
- **Revenue growth (1 yr): 13.9%** (3-yr 14.3%/yr). Revenue grew 13.9% over the last year.
- **EPS growth (1 yr): 20.4%** (3-yr 25.0%/yr). Earnings per share rose 20.4%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): 21.7%/yr**. Free cash flow has compounded at 21.7% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Debt to equity: 0.44**. Debt is 0.44 times equity: a conservative balance sheet.
- **Net debt / EBITDA: 0.2×**. It would take 0.2 years of operating earnings to repay net borrowings, within the comfortable range.
- **Interest coverage: 24.1×**. Operating profit covers interest 24.1× over, a safe margin.
- **Current ratio: 1.51** (quick 1.51). Current assets cover the next year's liabilities 1.51 times.
- **Altman Z-score: 2.21**. A Z-score of 2.21 is in the grey zone; not distressed, not clearly safe.
- **Piotroski F-score: 8/9**. 8 of 9 fundamental checks pass: strong and improving financials.

## Dividends
- **Dividend: none**. Intuit CDR (CAD Hedged) does not currently pay a dividend, but it returned 97.1% of its market value through buybacks over the last year.

## Price and momentum
- **From 52-week high: -19.3%** (34.5% above the low). Trading 19% below its 52-week high.
- **RSI (14-day): 61**. An RSI of 61 is neutral.
- **Beta (1 yr): -0.14** (volatility 57%). Beta of -0.14 against the S&P/TSX Composite: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=INTU.TO · Page: https://foliofundamentals.com/stocks/intu.to

Not investment advice.