(XYZ) Block - Overview
Sector: Technology | Industry: Software - Infrastructure | Exchange: NYSE (USA) | Market Cap: 42.508m USD | Total Return: 7.2% in 12m
Avg Turnover: 422M
EPS Trend: 54.4%
Qual. Beats: 1
Rev. Trend: 85.6%
Qual. Beats: 0
Warnings
Below Avwap Earnings
Tailwinds
Confidence
Block, Inc. operates a dual-ecosystem model through its Square and Cash App segments, targeting both merchant services and consumer finance. The Square segment provides vertically integrated point-of-sale hardware, software, and small business banking, while Cash App facilitates peer-to-peer payments, equity brokerage, and bitcoin transactions. The company has expanded its scope through the acquisition of Afterpay, a buy now, pay later (BNPL) provider, and the development of decentralized finance (DeFi) initiatives under its TBD and Bitkey brands.
The company functions within the fintech sector, where revenue is primarily generated through transaction-based fees and subscription-based software services. By integrating hardware and software, Block creates high switching costs for merchants, a common strategy in the Data Processing & Outsourced Services industry. Investors can further examine these competitive advantages on ValueRay.
Block’s broader portfolio includes the music platform TIDAL and various blockchain-focused projects, reflecting a strategic shift toward a decentralized financial infrastructure. Originally incorporated as Square, Inc. in 2009, the firm rebranded to Block in 2021 to represent its diversified focus beyond its initial mobile payment processing roots.
- Cash App monetization through increased active users and financial service adoption
- Square ecosystem expansion into mid-market sellers and international commerce markets
- Bitcoin gross profit volatility linked to cryptocurrency price and volume fluctuations
- Afterpay integration performance and credit loss management within buy now pay later
- Operating margin improvement through workforce reductions and disciplined corporate expense control
| Net Income: 807.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.08 > 0.02 and ΔFCF/TA 4.86 > 1.0 |
| NWC/Revenue: 48.20% < 20% (prev 46.06%; Δ 2.14% < -1%) |
| CFO/TA 0.09 > 3% & CFO 3.41b > Net Income 807.1m |
| Net Debt (-4.83b) to EBITDA (2.58b): -1.87 < 3 |
| Current Ratio: 1.99 > 1.5 & < 3 |
| Outstanding Shares: last quarter (597.6m) vs 12m ago -5.94% < -2% |
| Gross Margin: 44.85% > 18% (prev 37.95%; Δ 6.90% > 0.5%) |
| Asset Turnover: 64.10% > 50% (prev 65.77%; Δ -1.67% > 0%) |
| Interest Coverage Ratio: 13.35 > 6 (EBIT TTM 2.21b / Interest Expense TTM 165.3m) |
| A: 0.30 (Total Current Assets 23.8b - Total Current Liabilities 12.0b) / Total Assets 40.0b |
| B: 0.08 (Retained Earnings 3.37b / Total Assets 40.0b) |
| C: 0.06 (EBIT TTM 2.21b / Avg Total Assets 38.2b) |
| D: 1.19 (Book Value of Equity 21.7b / Total Liabilities 18.3b) |
| Altman-Z'' = 3.84 = AA |
| DSRI: 1.38 (Receivables 7.76b/5.50b, Revenue 24.5b/23.9b) |
| GMI: 0.85 (GM 37.95% / 44.85%) |
| AQI: 0.89 (AQ_t 0.39 / AQ_t-1 0.44) |
| SGI: 1.02 (Revenue 24.5b / 23.9b) |
| TATA: -0.07 (NI 807.1m - CFO 3.41b) / TA 40.0b) |
| Beneish M = -2.91 (Cap -4..+1) = A |
As of June 07, 2026, the stock is trading at USD 68.15 with a total of 4,885,716 shares traded.
Over the past week, the price has changed by -10.00%,
over one month by -4.35%,
over three months by +1.14% and
over the past year by +7.15%.
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 | 90.4 | 32.7% |
P/E Trailing = 55.7969
P/E Forward = 19.0476
P/S = 1.7365
P/B = 1.9575
P/EG = 0.7952
Revenue TTM = 24.5b USD
EBIT TTM = 2.21b USD
EBITDA TTM = 2.58b USD
Long Term Debt = 5.98b USD (from longTermDebt, last quarter)
Short Term Debt = 1.91b USD (from shortTermDebt, last quarter)
Debt = 8.43b USD (from shortLongTermDebtTotal, last quarter) + Leases 298.4m
Net Debt = -4.83b USD (calculated: Debt 8.43b - CCE 13.3b)
Enterprise Value = 37.7b USD (42.5b + Debt 8.43b - CCE 13.3b)
Interest Coverage Ratio = 13.35 (Ebit TTM 2.21b / Interest Expense TTM 165.3m)
EV/FCF = 11.56x (Enterprise Value 37.7b / FCF TTM 3.26b)
FCF Yield = 8.65% (FCF TTM 3.26b / Enterprise Value 37.7b)
FCF Margin = 13.31% (FCF TTM 3.26b / Revenue TTM 24.5b)
Net Margin = 3.30% (Net Income TTM 807.1m / Revenue TTM 24.5b)
Gross Margin = 44.85% ((Revenue TTM 24.5b - Cost of Revenue TTM 13.5b) / Revenue TTM)
Gross Margin QoQ = 48.03% (prev 45.94%)
Tobins Q-Ratio = 0.94 (Enterprise Value 37.7b / Total Assets 40.0b)
Interest Expense / Debt = 1.96% (Interest Expense 165.3m / Debt 8.43b)
Taxrate = 24.61% (263.4m / 1.07b)
NOPAT = 1.66b (EBIT 2.21b * (1 - 24.61%))
Current Ratio = 1.99 (Total Current Assets 23.8b / Total Current Liabilities 12.0b)
Debt / Equity = 0.39 (Debt 8.43b / totalStockholderEquity, last quarter 21.7b)
Debt / EBITDA = -1.87 (Net Debt -4.83b / EBITDA 2.58b)
Debt / FCF = -1.48 (Net Debt -4.83b / FCF TTM 3.26b)
Total Stockholder Equity = 22.1b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.11% (Net Income 807.1m / Total Assets 40.0b)
RoE = 3.64% (Net Income TTM 807.1m / Total Stockholder Equity 22.1b)
RoCE = 7.85% (EBIT 2.21b / Capital Employed (Equity 22.1b + L.T.Debt 5.98b))
RoIC = 5.80% (NOPAT 1.66b / Invested Capital 28.7b)
WACC = 10.92% (E(42.5b)/V(50.9b) * Re(12.79%) + D(8.43b)/V(50.9b) * Rd(1.96%) * (1-Tc(0.25)))
Discount Rate = 12.79% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -42.22 | Cagr: -2.26%
[DCF] Terminal Value 70.13% ; FCFF base≈2.43b ; Y1≈2.79b ; Y5≈4.11b
[DCF] Fair Price = 88.38 (EV 42.5b - Net Debt -4.83b = Equity 47.3b / Shares 535.2m; r=10.92% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 54.36 | EPS CAGR: 17.59% | SUE: 1.51 | # QB: 1
Revenue Correlation: 85.59 | Revenue CAGR: 6.73% | SUE: 0.17 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.87 | Chg30d=+4.54% | Revisions=+67% | Analysts=31
EPS next Quarter (2026-09-30): EPS=1.00 | Chg30d=+0.52% | Revisions=+31% | Analysts=28
EPS current Year (2026-12-31): EPS=3.89 | Chg30d=+7.70% | Revisions=+84% | GrowthEPS=+64.1% | GrowthRev=+8.3%
EPS next Year (2027-12-31): EPS=4.97 | Chg30d=+3.65% | Revisions=+68% | GrowthEPS=+27.7% | GrowthRev=+11.8%
[Analyst] Revisions Ratio: +84%