3. As Americans become more comfortable with tax software, particularly Intuit's ( INTU) Turbo Tax, H&R Block ( HRB) has had to work harder to promote its services. The company has been fighting back, announcing plans to acquire the owner of digital tax preparer TaxACT for $287.5 million. Still, H&R Block shares have tumbled 43% this year and the company lost $130.7 million in its most recent quarter. Outlook: Analysts are pessimistic about H&R Block's outlook. Of those covering the company, three advocate purchasing its shares and six recommend holding them. None suggest selling. Macquarie values H&R Block's stock at $16, suggesting the shares could return 27% during the next year. Goldman Sachs predicts the stock will drop modestly to $12.