Get Paid 12% A Year To Wait For INTU Stock To Go On Sale

Here is a way to collect a steady income stream from Intuit right now, which you keep no matter what, while lining up a chance to own this financial-tech powerhouse at a deep discount if it stumbles.

Shares of financial software giant Intuit (INTU) have had a punishing year, now trading about 48% below their 52-week high. After posting solid 14% revenue growth for fiscal 2026, management is now guiding for a slowdown to 9% to 10% growth as it pivots to fight for new customers. For investors trying to time a bottom, this kind of uncertainty is a headache; for an options seller, it can be an opportunity to get paid for taking a calculated risk.

12% annualized yield at a 30% margin of safety, by selling put options.

• Sell a put option on INTU expiring 9/17/2027, with a strike price of $250.
• Collect roughly $2,015 in premium per contract (each contract covers 100 shares).
• That works out to about 7.7% annualized on the $25,000 of cash you set aside to secure the trade.
• Park that cash in Treasury bills or a Treasury money-market fund yielding roughly 3.9%, and your total yield climbs to about 11.6%.
• And if INTU falls below $250, you buy it at $250, an effective entry near $229.85 a share after the premium, about a 36% discount to today’s $359.30.

Either Way, The Premium Is Yours To Keep

If INTU stays above $250 through 9/17/2027, the put expires worthless and you simply keep the full $2,015 premium. That is about 7.7% annualized on the $25,000 you set aside over 382 days, while that same collateral keeps earning the ~3.9% T-bill yield on top, for the ~11.6% total above. You never buy the stock and keep the income, free to do it again.

If INTU closes below $250, you are assigned and buy 100 shares at $250. The $2,015 premium you already pocketed lowers your effective cost to about $229.85 a share, roughly a 36% discount to today’s price, though if the stock has fallen further by then you would be holding a paper loss.

So what happens if INTU really does close below $250, and you are the one buying? Then everything rests on a single question.

Before You Sell That Put, Do You Know What You Are Buying?

That brings us to the real question: if you were forced to buy the shares at a significant discount to today’s price, would you be comfortable owning the business? On one hand, Intuit has powerful growth engines humming under the hood. The company’s “Big Bets” in areas like assisted tax, money, and mid-market services are firing on all cylinders, growing a collective 34% last year to become 30% of the entire company’s revenue. This isn’t a business standing still; it’s actively scaling its most promising ventures.

On the other hand, there’s a reason the stock is under pressure, and it’s the reason you could end up owning it. The company is making this strategic pivot because it has to. Management was blunt, admitting they “lost quality DIY customers to lower-cost providers,” and that “Price is now the #1 reason customers leave TurboTax.” That pressure is showing up in the numbers, with total online paying customer growth slowing to just 3% year-over-year. Analysts on the company’s latest call sounded skeptical, questioning whether the company is facing a “structural change” and if the turnaround might take longer than a year.

This strategic shift is the central drama. While the company’s profitability isn’t the main issue, as one analysis points out, Intuit’s real problem is not on its income statement but in its ability to attract and retain users in a more competitive market. The company is responding by widening its “front door” with new offerings like QuickBooks Free and QuickBooks Lite, which have already brought in more than 20,000 customers. But the jury is out on whether this can reverse the broader trend.

So you have a choice. You can see a dominant, profitable software platform making a necessary, if risky, course correction to reignite its core customer acquisition engine. For an investor who believes in the long-term power of Intuit’s ecosystem, getting paid to wait with a margin of safety is an attractive proposition. The entire story hinges on that customer growth, so the one metric to watch is total online paying customers. If that 3% growth rate starts ticking back up in the coming quarters, the pivot is working; if not, the stock may have more turbulence ahead.

Wondering whether another stock offers a better yield, or what this same trade would pay on a name you already like? You can screen the latest cash-secured put yields across the market for yourself. And if it is exposure to software as a whole you want rather than this one name, a software ETF like IGV covers that single sector. Going broader than any one sector, to a quality-first mix across the whole market, is where the portfolio below comes in.

Pair The Premium With Real Diversification

Getting paid to wait for a lower price on a stock you like is one of the more sensible trades around. It is still, by design, a concentrated position, and concentration is how hard-won gains get undone when a single name turns. The income is the upside; single-stock risk is the cost.

The Trefis High Quality (HQ) Portfolio handles that second half: about 30 quality, cash-generative companies, chosen on the full weight of their fundamentals rather than one premium-rich setup, then sized and re-balanced with care. The payoff is a track record of outpacing a benchmark that combines the three major indices – the S&P 500, S&P Mid-cap, and Russell 2000. Keep the income from trades like this, without pinning your future to any single one.