Albertsons and H&R Block: Two Defensive Consumer Stocks Nobody Is Talking About

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H&R Block (HRB) posted Q2 revenue of $198.87M up 11.1% year over year, with assisted tax prep revenue jumping 15.6% and DIY software climbing 22.3%, while generating $598.85M in free cash flow last year on an asset-light model.Albertsons and H&R Block are both using technology and AI to defend against margin compression and competitive threats: Albertsons is investing in personalization and efficiency to offset Medicare drug pricing headwinds, while H&R Block’s human-plus-AI model is outpacing AI-native tax prep competitors during peak tax season.A recent study identified one single habit that doubled Americans’ retirement savings and moved retirement from dream, to reality. Read more here.Albertsons (NYSE:ACI) just reported Q3 FY2026 earnings showing identical sales growth of 2.4% driven almost entirely by pharmacy. H&R Block (NYSE:HRB) posted Q2 FY2026 results with revenue of $198.87 million, up 11.1% year over year. Two different businesses, both flying under the radar, both leaning into technology to defend their turf.Albertsons beat on the bottom line, posting adjusted EPS of $0.72 against a consensus of $0.68. Pharmacy is doing the heavy lifting on identical sales while compressing margins. Gross margin slipped to 27.4% from 27.9% the prior year because pharmacy is lower-margin than center-store groceries. Digital sales grew 21% year over year, and loyalty membership hit 49.8 million members, up 12%. New CEO Susan Morris framed the strategy: "Our investments in technology and AI are fundamentally reshaping how we operate and serve our customers; driving smarter decisions, greater efficiency, and more personalized experiences."H&R Block's Q2 is always a loss quarter — tax season hasn't peaked yet. But off-season results were strong. Assisted tax prep revenue jumped 15.6% year over year, DIY software climbed 22.3%, and Wave, the small business platform, grew 12.1%. New CEO Curtis Campbell set the tone: "In a year of heightened uncertainty for many filers, our client-first strategy and disciplined execution keep us focused on durable growth and long-term value."Read: Data Shows One Habit Doubles American’s Savings And Boosts RetirementMost Americans drastically underestimate how much they need to retire and overestimate how prepared they are. 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