Overview Dividends

(XYZ) Block - Ratings and Ratios

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

Point-Of-Sale, Reader, Terminal, Cash-App, Card

XYZ EPS (Earnings per Share)

EPS (Earnings per Share) of XYZ over the last years for every Quarter: "2020-09-30": 0.34, "2020-12-31": 0.32, "2021-03-31": 0.41, "2021-06-30": 0.66, "2021-09-30": 0.37, "2021-12-31": 0.27, "2022-03-31": 0.18, "2022-06-30": 0.18, "2022-09-30": 0.42, "2022-12-31": 0.22, "2023-03-31": 0.4, "2023-06-30": 0.39, "2023-09-30": 0.55, "2023-12-31": 0.45, "2024-03-31": 0.85, "2024-06-30": 0.93, "2024-09-30": 0.88, "2024-12-31": 0.71, "2025-03-31": 0.56, "2025-06-30": 0.62,
EPS Growth (3Y CAGR): 15.21%
EPS Trend (3Y Correlation): 69.1%

XYZ Revenue

Revenue of XYZ over the last years for every Quarter: 2020-09-30: 3033.874, 2020-12-31: 3158.97, 2021-03-31: 5057.27, 2021-06-30: 4680.672, 2021-09-30: 3844.727, 2021-12-31: 4078.534, 2022-03-31: 3960.645, 2022-06-30: 4404.499, 2022-09-30: 4515.541, 2022-12-31: 4650.902, 2023-03-31: 4990.131, 2023-06-30: 5534.957, 2023-09-30: 5617.493, 2023-12-31: 5773.042, 2024-03-31: 5957.128, 2024-06-30: 6155.563, 2024-09-30: 5975.801, 2024-12-31: 6032.561, 2025-03-31: 5771.796, 2025-06-30: 6054.457,
Revenue Growth (3Y CAGR): 11.25%
Revenue Trend (3Y Correlation): 85.3%

Description: XYZ Block

Block, Inc. (NYSE:XYZ) operates two primary businesses-Square and Cash App-delivering an end-to-end suite of commerce and financial services. Square supplies point-of-sale hardware (registers, terminals, Square Handheld), software (online checkout, invoicing, APIs), and banking-related products such as lending, instant transfers, and checking/savings accounts, plus ancillary services like loyalty, payroll, and gift-card programs. Cash App provides a consumer-focused financial platform that includes peer-to-peer payments, a debit card, direct-deposit, “Cash Boost” discounts, tax-prep tools, and brokerage access to Bitcoin and equities, as well as the Afterpay BNPL service.

Recent public data (Q2 2024) shows Block generating $5.4 billion in revenue, a 12% YoY increase driven primarily by a 15% rise in total payment volume (TPV) across both segments. Cash App’s monthly active users (MAU) reached 48 million, up 9% YoY, while Square’s hardware shipments grew 7% YoY, reflecting continued merchant adoption of contactless and omnichannel solutions. The company’s gross profit margin expanded to 38%, supported by higher-margin software and financial-services revenue.

Key macro-economic drivers for Block include the sustained shift toward digital payments (global e-commerce sales grew ~10% YoY in 2023) and the competitive pressure from large tech and fintech players that compresses pricing on transaction fees. Additionally, interest-rate trends affect Block’s lending portfolio: higher rates can increase net interest income on loans but may also dampen merchant borrowing demand.

For a deeper quantitative view, the ValueRay platform offers a granular breakdown of Block’s segment-level cash flows and peer benchmarks.

XYZ Stock Overview

Market Cap in USD 45,249m
Sub-Industry Data Processing & Outsourced Services
IPO / Inception 2015-11-19

XYZ Stock Ratings

Growth Rating -5.22%
Fundamental 78.0%
Dividend Rating -
Return 12m vs S&P 500 -2.97%
Analyst Rating 4.14 of 5

XYZ Dividends

Currently no dividends paid

XYZ Growth Ratios

Growth Correlation 3m 59.8%
Growth Correlation 12m -24.7%
Growth Correlation 5y -65.1%
CAGR 5y 7.30%
CAGR/Max DD 3y 0.13
CAGR/Mean DD 3y 0.31
Sharpe Ratio 12m 0.82
Alpha 0.01
Beta 0.982
Volatility 41.89%
Current Volume 5346.3k
Average Volume 20d 5346.3k
Stop Loss 73.4 (-3.1%)
Signal 0.77

Piotroski VR‑10 (Strict, 0-10) 7.5

Net Income (2.96b TTM) > 0 and > 6% of Revenue (6% = 1.43b TTM)
FCFTA 0.03 (>2.0%) and ΔFCFTA 1.43pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)
NWC/Revenue 40.43% (prev 42.81%; Δ -2.38pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)
CFO/TA 0.03 (>3.0%) and CFO 1.21b <= Net Income 2.96b (YES >=105%, WARN >=100%)
Net Debt (-5.20b) to EBITDA (1.92b) ratio: -2.71 <= 3.0 (WARN <= 3.5)
Current Ratio 1.96 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)
Outstanding Shares last Quarter (618.9m) change vs 12m ago -2.41% (target <= -2.0% for YES)
Gross Margin 38.81% (prev 34.33%; Δ 4.48pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)
Asset Turnover 64.07% (prev 62.60%; Δ 1.47pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)
Interest Coverage Ratio 22.01 (EBITDA TTM 1.92b / Interest Expense TTM 70.8m) >= 6 (WARN >= 3)

Altman Z'' 2.46

(A) 0.26 = (Total Current Assets 19.71b - Total Current Liabilities 10.07b) / Total Assets 36.86b
(B) 0.08 = Retained Earnings (Balance) 3.10b / Total Assets 36.86b
(C) 0.04 = EBIT TTM 1.56b / Avg Total Assets 37.20b
(D) 0.18 = Book Value of Equity 2.72b / Total Liabilities 14.74b
Total Rating: 2.46 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 77.96

1. Piotroski 7.50pt = 2.50
2. FCF Yield 2.69% = 1.34
3. FCF Margin 4.44% = 1.11
4. Debt/Equity 0.26 = 2.47
5. Debt/Ebitda 3.05 = -1.84
6. ROIC - WACC (= 9.09)% = 11.36
7. RoE 13.95% = 1.16
8. Rev. Trend 85.32% = 6.40
9. EPS Trend 69.12% = 3.46

What is the price of XYZ shares?

As of September 18, 2025, the stock is trading at USD 75.78 with a total of 5,346,348 shares traded.
Over the past week, the price has changed by +0.36%, over one month by -1.24%, over three months by +16.91% and over the past year by +15.20%.

Is Block a good stock to buy?

Partly, yes. Based on ValueRay´s Fundamental Analyses, Block (NYSE:XYZ) is currently (September 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 77.96 and therefor a somewhat positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of XYZ is around 69.29 USD . This means that XYZ is currently overvalued and has a potential downside of -8.56%.

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 85.6 13%
Analysts Target Price 85.6 13%
ValueRay Target Price 78 3%

Last update: 2025-09-13 05:06

XYZ Fundamental Data Overview

Market Cap USD = 45.25b (45.25b USD * 1.0 USD.USD)
CCE Cash And Equivalents = 11.72b USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 15.8611
P/E Forward = 19.9203
P/S = 1.8985
P/B = 2.0422
P/EG = 1.3267
Beta = 2.681
Revenue TTM = 23.83b USD
EBIT TTM = 1.56b USD
EBITDA TTM = 1.92b USD
Long Term Debt = 4.12b USD (from longTermDebt, last quarter)
Short Term Debt = 1.74b USD (from shortTermDebt, last quarter)
Debt = 5.87b USD (Calculated: Short Term 1.74b + Long Term 4.12b)
Net Debt = -5.20b USD (from netDebt column, last quarter)
Enterprise Value = 39.40b USD (45.25b + Debt 5.87b - CCE 11.72b)
Interest Coverage Ratio = 22.01 (Ebit TTM 1.56b / Interest Expense TTM 70.8m)
FCF Yield = 2.69% (FCF TTM 1.06b / Enterprise Value 39.40b)
FCF Margin = 4.44% (FCF TTM 1.06b / Revenue TTM 23.83b)
Net Margin = 12.41% (Net Income TTM 2.96b / Revenue TTM 23.83b)
Gross Margin = 38.81% ((Revenue TTM 23.83b - Cost of Revenue TTM 14.59b) / Revenue TTM)
Tobins Q-Ratio = 14.51 (Enterprise Value 39.40b / Book Value Of Equity 2.72b)
Interest Expense / Debt = 0.40% (Interest Expense 23.7m / Debt 5.87b)
Taxrate = -111.2% (set to none) (-1.51b / 1.36b)
NOPAT = unknown (EBIT/Op.Income or Taxrate missing)
Current Ratio = 1.96 (Total Current Assets 19.71b / Total Current Liabilities 10.07b)
Debt / Equity = 0.26 (Debt 5.87b / last Quarter total Stockholder Equity 22.16b)
Debt / EBITDA = 3.05 (Net Debt -5.20b / EBITDA 1.92b)
Debt / FCF = 5.54 (Debt 5.87b / FCF TTM 1.06b)
Total Stockholder Equity = 21.20b (last 4 quarters mean)
RoA = 8.03% (Net Income 2.96b, Total Assets 36.86b )
RoE = 13.95% (Net Income TTM 2.96b / Total Stockholder Equity 21.20b)
RoCE = 6.16% (Ebit 1.56b / (Equity 21.20b + L.T.Debt 4.12b))
RoIC = 9.09% (Ebit 1.56b / (Assets 36.86b - Current Assets 19.71b))
WACC = unknown (E(45.25b)/V(51.12b) * Re(9.63%)) + (D(5.87b)/V(51.12b) * Rd(0.40%) * (1-Tc(none)))
Shares Correlation 3-Years: 66.67 | Cagr: 0.39%
Discount Rate = 9.63% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 67.99% ; FCFE base≈852.6m ; Y1≈671.3m ; Y5≈441.5m
Fair Price DCF = 11.59 (DCF Value 6.37b / Shares Outstanding 549.6m; 5y FCF grow -25.39% → 3.0% )
EPS Correlation: 69.12 | EPS CAGR: 15.21% | SUE: -0.41 | # QB: 0
Revenue Correlation: 85.32 | Revenue CAGR: 11.25% | SUE: N/A | # QB: None

Additional Sources for XYZ Stock

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