Overview Dividends

(XYZ) Block - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US8522341036

Payments, Wallet, Lending, Pos, Bitcoin

Data Processing & Outsourced Services
Market Cap in USD: 40,263m

IPO / Inception: 2015-11-19
Return 12m vs S&P 500: -36.4%

EPS (Earnings per Share)

EPS CAGR: -33.57%
EPS Trend: 38.8%

Last SUE: -4.00
Qual. Beats: 0

Revenue

Rev. CAGR: 11.40%
Rev. Trend: 91.4%

Last SUE: -0.90
Qual. Beats: 0

Dividends

Currently no dividends paid

Risk via 5d forecast
Volatility	45.0%
Value at Risk 5%th	70.7%
Relative Tail Risk	-4.47%

Reward TTM
Sharpe Ratio	-0.36
Alpha	-50.13
CAGR/Max DD	0.00

Character TTM
Hurst Exponent	0.336
Beta	1.624
Beta Downside	1.705

Drawdowns 3y
Max DD	55.64%
Mean DD	25.35%
Median DD	25.21%

Description: XYZ Block November 30, 2025

Block, Inc. (NYSE:XYZ) operates two primary segments-Square and Cash App-delivering an integrated suite of commerce, payment, and financial services to merchants and consumers in the U.S. and abroad.

The Square segment supplies point-of-sale hardware (registers, terminals, Square Handheld), software for online and in-store checkout, invoicing, loyalty, payroll, and banking-as-a-service (lending, instant transfers, checking/savings accounts), plus APIs that enable third-party developers to embed payment functionality.

The Cash App segment functions as a consumer-focused financial platform, offering peer-to-peer payments, a debit card, Bitcoin and stock brokerage, direct-deposit, “Cash Boost” discounts, tax-prep tools, and the Afterpay buy-now-pay-later service.

Beyond its core businesses, Block runs ancillary ventures such as TIDAL (music streaming), TBD (decentralized finance developer platform), Bitkey (self-custody Bitcoin wallet), and the proto ecosystem for emerging fintech products.

Key recent metrics: FY 2023 total payment volume (TPV) reached roughly $90 billion, Cash App active users grew to about 48 million, and Square’s gross profit margin hovered near 40 percent-figures that underscore the company’s exposure to the broader digital-payments adoption trend and to macro-economic factors like consumer spending and interest-rate-driven loan demand.

For a deeper dive into Block’s valuation metrics, you might find ValueRay’s analyst toolkit useful.

Piotroski VR‑10 (Strict, 0-10) 6.5

Net Income (3.14b TTM) > 0 and > 6% of Revenue (6% = 1.44b TTM)

FCFTA 0.05 (>2.0%) and ΔFCFTA 2.70pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 49.89% (prev 44.99%; Δ 4.90pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.05 (>3.0%) and CFO 1.97b <= Net Income 3.14b (YES >=105%, WARN >=100%)

Net Debt (-5.04b) to EBITDA (2.30b) ratio: -2.19 <= 3.0 (WARN <= 3.5)

Current Ratio 2.18 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (621.7m) change vs 12m ago -1.75% (target <= -2.0% for YES)

Gross Margin 40.65% (prev 35.70%; Δ 4.94pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 63.47% (prev 65.63%; Δ -2.16pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 21.30 (EBITDA TTM 2.30b / Interest Expense TTM 91.7m) >= 6 (WARN >= 3)

Altman Z'' 2.84

(A) 0.31 = (Total Current Assets 22.07b - Total Current Liabilities 10.11b) / Total Assets 39.18b

(B) 0.09 = Retained Earnings (Balance) 3.56b / Total Assets 39.18b

(D) 0.19 = Book Value of Equity 3.14b / Total Liabilities 16.71b

Total Rating: 2.84 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 64.97

1. Piotroski 6.50pt

2. FCF Yield 5.27%

3. FCF Margin 7.64%

4. Debt/Equity 0.36

5. Debt/Ebitda -2.19

6. ROIC - WACC (= -4.80)%

7. RoE 14.35%

8. Rev. Trend 91.40%

9. EPS Trend 38.84%

What is the price of XYZ shares?

As of January 03, 2026, the stock is trading at USD 65.09 with a total of 3,487,538 shares traded.
Over the past week, the price has changed by -1.78%, over one month by +1.15%, over three months by -11.32% and over the past year by -24.97%.

Is XYZ a buy, sell or hold?

Block has received a consensus analysts rating of 4.14. Therefore, it is recommended to buy XYZ.

Strong Buy: 25
Buy: 10
Hold: 12
Sell: 0
Strong Sell: 2

What are the forecasts/targets for the XYZ price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	84	29.1%
Analysts Target Price	84	29.1%
ValueRay Target Price	65.3	0.3%

XYZ Fundamental Data Overview December 27, 2025

Market Cap USD = 40.26b (40.26b USD * 1.0 USD.USD)
P/E Trailing = 13.2897
P/E Forward = 19.7628
P/S = 1.6795
P/B = 1.7832
P/EG = 1.3184
Beta = 2.658
Revenue TTM = 23.97b USD
EBIT TTM = 1.95b USD
EBITDA TTM = 2.30b USD
Long Term Debt = 6.06b USD (from longTermDebt, last quarter)
Short Term Debt = 1.78b USD (from shortTermDebt, last quarter)
Debt = 8.10b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -5.04b USD (from netDebt column, last quarter)
Enterprise Value = 34.78b USD (40.26b + Debt 8.10b - CCE 13.59b)
Interest Coverage Ratio = 21.30 (Ebit TTM 1.95b / Interest Expense TTM 91.7m)
FCF Yield = 5.27% (FCF TTM 1.83b / Enterprise Value 34.78b)
FCF Margin = 7.64% (FCF TTM 1.83b / Revenue TTM 23.97b)
Net Margin = 13.08% (Net Income TTM 3.14b / Revenue TTM 23.97b)
Gross Margin = 40.65% ((Revenue TTM 23.97b - Cost of Revenue TTM 14.23b) / Revenue TTM)
Gross Margin QoQ = 43.75% (prev 41.90%)
Tobins Q-Ratio = 0.89 (Enterprise Value 34.78b / Total Assets 39.18b)
Interest Expense / Debt = 0.43% (Interest Expense 34.7m / Debt 8.10b)
Taxrate = 23.26% (139.9m / 601.5m)
NOPAT = 1.50b (EBIT 1.95b * (1 - 23.26%))
Current Ratio = 2.18 (Total Current Assets 22.07b / Total Current Liabilities 10.11b)
Debt / Equity = 0.36 (Debt 8.10b / totalStockholderEquity, last quarter 22.51b)
Debt / EBITDA = -2.19 (Net Debt -5.04b / EBITDA 2.30b)
Debt / FCF = -2.75 (Net Debt -5.04b / FCF TTM 1.83b)
Total Stockholder Equity = 21.85b (last 4 quarters mean from totalStockholderEquity)
RoA = 8.00% (Net Income 3.14b / Total Assets 39.18b)
RoE = 14.35% (Net Income TTM 3.14b / Total Stockholder Equity 21.85b)
RoCE = 7.00% (EBIT 1.95b / Capital Employed (Equity 21.85b + L.T.Debt 6.06b))
RoIC = 5.24% (NOPAT 1.50b / Invested Capital 28.58b)
WACC = 10.04% (E(40.26b)/V(48.36b) * Re(12.0%) + D(8.10b)/V(48.36b) * Rd(0.43%) * (1-Tc(0.23)))
Discount Rate = 12.0% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.60%
[DCF Debug] Terminal Value 69.66% ; FCFE base≈1.39b ; Y1≈1.71b ; Y5≈2.92b
Fair Price DCF = 49.65 (DCF Value 27.19b / Shares Outstanding 547.7m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 38.84 | EPS CAGR: -33.57% | SUE: -4.0 | # QB: 0
Revenue Correlation: 91.40 | Revenue CAGR: 11.40% | SUE: -0.90 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.72 | Chg30d=+0.001 | Revisions Net=-4 | Analysts=25
EPS next Year (2026-12-31): EPS=3.27 | Chg30d=-0.014 | Revisions Net=-5 | Growth EPS=+35.7% | Growth Revenue=+10.8%

Additional Sources for XYZ Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle