INTU

INTU

Intuit

Recurring SaaS

★ Quality 73/100
Discounted

Price today

$332.70

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See what it is worth

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A monopoly position

This company has a competitive advantage so strong that its rivals find it practically impossible to replicate.

What this business is made of

73qualityReturnsMoatBalance sheetPricing power *Reinvestment
* This axis is an estimate: we don't have the figure that measures it for this company.

The business

QuickBooks is the accounting operating system no small business dares to abandon.

Intuit sells subscription financial software: QuickBooks for small businesses, TurboTax for filing taxes, Credit Karma, and Mailchimp. It brought in $18.8B in FY2025, with FCF of $6.1B. Revenue is recurring and, in TurboTax, seasonally strong every U.S. tax season.

QuickBooks is the accounting operating system for millions of small businesses — leaving it means redoing all your bookkeeping, so almost nobody does. TurboTax dominates online tax filing in the U.S. with decades of data and taxpayer trust. Two near-monopolies feeding off each other's data.

Revenue history

$9.6B
2021
$12.7B
2022
$14.4B
2023
$16.3B
2024
$18.8B
2025
CAGR 5 años: +18%

From $9.6B to $18.8B in 4 years — nearly 2.0x its size. Selling more and more is the base of everything else.

Where each $100 of sales goes

Revenue $18.8B · FY2025

Costs and operations$15.0B · 80%
Net profit$3.9B · 21%

Of every $100 in sales, $79 goes to costs and operations; $21 is left as net profit (21% margin).

Catalysts and risks

Generative AI integration (Intuit Assist) to raise price per user without losing retention.

Cross-selling Credit Karma and Mailchimp into the installed QuickBooks base.

FCF growth near 18% CAGR sustained in enterprise subscriptions.

⚠️

TurboTax depends on the IRS not offering its own free filing — the Direct File program already exists.

⚠️

Valuation demands perfect execution: the 28x multiple doesn't forgive stumbles.

⚠️

Debt of $6.0B against cash of $2.9B; comfortable, but not infinite breathing room.

Charlie's note

Paying for TurboTax every April is one of the few subscriptions people hate and renew anyway. That's a moat. The current price already assumes they keep winning.

Analysis · June 2026

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