XYZ Stock Analysis: Block | NYSE
Software - Infrastructure | NYSE, USA | Market Cap: 48.112m USD | 12M Return: 3.5% | US8522341036 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 369M
EPS Trend: 55.7%
Qual. Beats: 1
Rev. Trend: 86.5%
Qual. Beats: 1
Warnings
Tailwinds
Seasonality 10.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Block, Inc. (NYSE: XYZ) operates commerce and financial products ecosystems through two main segments. Square serves merchants with managed payment services, point-of-sale hardware (registers, terminals, and card readers), software solutions, banking services such as lending and deposit accounts, and business tools for payroll, marketing, and loyalty. Cash App provides consumer financial tools including peer-to-peer payments, bitcoin, stock brokerage, a debit card, direct deposit, and tax preparation. Block also owns Afterpay, a buy now, pay later platform that allows consumers to split purchases into installments, often interest-free on shorter-term plans.
In addition to its core segments, Block operates TIDAL (a music streaming service connecting artists and fans), TBD (an open developer platform for decentralized finance), Bitkey (a self-custody bitcoin wallet that lets users hold their own private keys rather than relying on a third-party custodian), and proto. The company was incorporated in 2009 as Square, Inc., is headquartered in Oakland, California, and adopted the Block, Inc. name in December 2021.
- Cash App bitcoin revenue swings with crypto trading volumes
- Square take rate expansion lifts seller ecosystem gross profit
- Afterpay credit losses weigh on BNPL segment margins
| Net Income: 357.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.12 > 0.02 and ΔFCF/TA 9.43 > 1.0 |
| NWC/Revenue: 50.58% < 20% (prev 40.43%; Δ 10.15% < -1%) |
| CFO/TA 0.13 > 3% & CFO 5.02b > Net Income 357.1m |
| Net Debt (132.4m) to EBITDA (2.92b): 0.05 < 3 |
| Current Ratio: 2.21 > 1.5 & < 3 |
| Outstanding Shares: last quarter (608.8m) vs 12m ago -1.63% < -2% |
| Gross Margin: 46.36% > 18% (prev 39.38%; Δ 6.97% > 0.5%) |
| Asset Turnover: 65.89% > 50% (prev 64.67%; Δ 1.22% > 0%) |
| Interest Coverage Ratio: 12.89 > 6 (EBIT TTM 2.54b / Interest Expense TTM 197.3m) |
| A: 0.32 (Total Current Assets 23.1b - Total Current Liabilities 10.5b) / Total Assets 39.2b |
| B: 0.09 (Retained Earnings 3.45b / Total Assets 39.2b) |
| C: 0.07 (EBIT TTM 2.54b / Avg Total Assets 38.0b) |
| D: 1.28 (Book Value of Equity 22.0b / Total Liabilities 17.1b) |
| Altman-Z'' = 4.21 = AA |
| DSRI: 0.60 (Receivables 4.06b/6.47b, Revenue 25.0b/23.8b) |
| GMI: 0.85 (GM 39.38% / 46.36%) |
| AQI: 0.88 (AQ_t 0.40 / AQ_t-1 0.45) |
| SGI: 1.05 (Revenue 25.0b / 23.8b) |
| TATA: -0.12 (NI 357.1m - CFO 5.02b) / TA 39.2b) |
| Beneish M = -3.54 (Cap -4..+1) = AAA |
As of August 30, 2026, the stock is trading at USD 83.57 with a total of 3,450,710 shares traded. Over the past week, the price has changed by +1.72%, over one month by +0.57%, over three months by +12.40% and over the past year by +3.45%.
Current recommended Stop Loss: 79.90 (which is 4.4% or 1.4 ATR below the current price).
Block has received a consensus analysts rating of 4.14. Therefore, it is recommended to buy XYZ.
- StrongBuy: 25
- Buy: 10
- Hold: 12
- Sell: 0
- StrongSell: 2
| Analysts Target Price | 98 | 17.2% |
P/E Trailing = 145.6
P/E Forward = 20.79
P/S = 1.9212
P/B = 2.2054
P/EG = 0.8492
Revenue TTM = 25.0b USD
EBIT TTM = 2.54b USD
EBITDA TTM = 2.92b USD
Long Term Debt = 6.31b USD (from longTermDebt, last quarter)
Short Term Debt = 633.5m USD (from shortTermDebt, last quarter)
Debt = 6.87b USD (from shortLongTermDebtTotal, last quarter) + Leases 288.8m
Net Debt = 132.4m USD (calculated: Debt 6.87b - CCE 6.74b)
Enterprise Value = 48.2b USD (48.1b + Debt 6.87b - CCE 6.74b)
Interest Coverage Ratio = 12.89 (Ebit TTM 2.54b / Interest Expense TTM 197.3m)
EV/FCF = 10.02x (Enterprise Value 48.2b / FCF TTM 4.82b)
FCF Yield = 9.98% (FCF TTM 4.82b / Enterprise Value 48.2b)
FCF Margin = 19.24% (FCF TTM 4.82b / Revenue TTM 25.0b)
Net Margin = 1.43% (Net Income TTM 357.1m / Revenue TTM 25.0b)
Gross Margin = 46.36% ((Revenue TTM 25.0b - Cost of Revenue TTM 13.4b) / Revenue TTM)
Gross Margin QoQ = 47.84% (prev 48.03%)
Tobins Q-Ratio = 1.23 (Enterprise Value 48.2b / Total Assets 39.2b)
Interest Expense / Debt = 2.87% (Interest Expense 197.3m / Debt 6.87b)
Taxrate = 22.82% (385.7m / 1.69b)
NOPAT = 1.96b (EBIT 2.54b * (1 - 22.82%))
Current Ratio = 2.21 (Total Current Assets 23.1b / Total Current Liabilities 10.5b)
Debt / Equity = 0.31 (Debt 6.87b / totalStockholderEquity, last quarter 22.0b)
Debt / EBITDA = 0.05 (Net Debt 132.4m / EBITDA 2.92b)
Debt / FCF = 0.03 (Net Debt 132.4m / FCF TTM 4.82b)
Total Stockholder Equity = 22.1b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.94% (Net Income 357.1m / Total Assets 39.2b)
RoE = 1.62% (Net Income TTM 357.1m / Total Stockholder Equity 22.1b)
RoCE = 8.95% (EBIT 2.54b / Capital Employed (Equity 22.1b + L.T.Debt 6.31b))
RoIC = 6.99% (NOPAT 1.96b / Invested Capital 28.1b)
WACC = 11.24% (E(48.1b)/V(55.0b) * Re(12.53%) + D(6.87b)/V(55.0b) * Rd(2.87%) * (1-Tc(0.23)))
Discount Rate = 12.53% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -85.02 | Cagr: -2.01%
[DCF] Terminal Value 69.21% ; FCFF base≈3.31b ; Y1≈3.80b ; Y5≈5.59b
[DCF] Fair Price = 102.6 (EV 55.6b - Net Debt 132.4m = Equity 55.5b / Shares 540.8m; r=11.24% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 55.70 | EPS CAGR: 15.43% | SUE: 1.99 | # QB: 1
Revenue Correlation: 86.47 | Revenue CAGR: 5.04% | SUE: 1.05 | # QB: 1
EPS current Quarter (2026-09-30): EPS=1.03 | Chg30d=+1.31% | Revisions=+29% | Analysts=32
EPS current Year (2026-12-31): EPS=4.05 | Chg30d=+3.94% | Revisions=+66% | GrowthEPS=+71.1% | GrowthRev=+7.6%
EPS next Year (2027-12-31): EPS=5.19 | Chg30d=+2.79% | Revisions=+56% | GrowthEPS=+28.1% | GrowthRev=+11.2%
[Analyst] Revisions Ratio: +56% (up=64, down=17)