XYZ Stock Analysis: Block | NYSE
Software - Infrastructure | NYSE, USA | Market Cap: 44.789m USD | 12M Return: -6.2% | US8522341036 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 334M
EPS Trend: 55.7%
Qual. Beats: 1
Rev. Trend: 86.5%
Qual. Beats: 1
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.8 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 a two-segment commerce and financial services platform. The Square segment provides merchant payment processing, point-of-sale hardware and software, banking services (lending, checking and savings), and back-office tools such as payroll, marketing, and team management. The Cash App segment offers consumer-facing financial tools, including peer-to-peer payments, a debit card, stock and bitcoin investing, tax preparation, and the Afterpay buy-now-pay-later platform.
The company also holds several adjacent businesses, including TIDAL (music streaming), TBD (a decentralized finance developer platform), Bitkey (a self-custody bitcoin wallet), and proto (a bitcoin mining initiative). Block was incorporated in 2009, is headquartered in Oakland, California, and IPOd on the NYSE in November 2015. It was renamed from Square, Inc. to Block, Inc. in December 2021.
Block operates within the Financials sector, specifically the Transaction & Payment Processing Services sub-industry. Its business model combines merchant acquiring and consumer fintech in a single integrated ecosystem, generating revenue from payment processing fees, interchange, subscription software, lending, and bitcoin-related services.
- Bitcoin price swings drive Cash App revenue and balance sheet gains
- Square GPV growth slows as small business spending weakens
- BNPL competition pressures Afterpay margins amid regulatory scrutiny
| Net Income: 357.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.10 > 0.02 and ΔFCF/TA 7.04 > 1.0 |
| NWC/Revenue: 50.58% < 20% (prev 40.43%; Δ 10.15% < -1%) |
| CFO/TA 0.10 > 3% & CFO 4.06b > Net Income 357.1m |
| Net Debt (-4.81b) to EBITDA (1.29b): -3.73 < 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: 4.61 > 6 (EBIT TTM 909.7m / 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: 0.02 (EBIT TTM 909.7m / Avg Total Assets 38.0b) |
| D: 1.29 (Book Value of Equity 22.0b / Total Liabilities 17.1b) |
| Altman-Z'' = 3.92 = AA |
| DSRI: 1.22 (Receivables 8.29b/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: -0.09 (NI 357.1m - CFO 4.06b) / TA 39.2b) |
| Beneish M = -3.03 (Cap -4..+1) = AA |
As of October 29, 2026, the stock is trading at USD 75.21 with a total of 2,490,161 shares traded. Over the past week, the price has changed by -3.84%, over one month by +2.59%, over three months by -9.49% and over the past year by -6.20%.
Current recommended Stop Loss: 72.10 (which is 4.1% or 1.3 ATR below the current price).
Block has received a consensus analysts rating of 4.45. Therefore, it is recommended to buy XYZ.
- StrongBuy: 29
- Buy: 10
- Hold: 8
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 97.9 | 30.2% |
P/E Trailing = 133.125
P/E Forward = 14.8148
P/S = 1.7886
P/B = 2.0836
P/EG = 0.5857
Revenue TTM = 25.0b USD
EBIT TTM = 909.7m USD
EBITDA TTM = 1.29b USD
Long Term Debt = 6.31b USD (from longTermDebt, last quarter)
Short Term Debt = 633.5m USD (from shortTermDebt, last quarter)
Debt = 7.46b USD (from shortLongTermDebtTotal, last quarter) + Leases 288.8m
Net Debt = -4.81b USD (calculated: Debt 7.46b - CCE 12.3b)
Enterprise Value = 40.0b USD (44.8b + Debt 7.46b - CCE 12.3b)
Interest Coverage Ratio = 4.61 (Ebit TTM 909.7m / Interest Expense TTM 197.3m)
EV/FCF = 10.30x (Enterprise Value 40.0b / FCF TTM 3.88b)
FCF Yield = 9.71% (FCF TTM 3.88b / Enterprise Value 40.0b)
FCF Margin = 15.50% (FCF TTM 3.88b / 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 = 1.02 (Enterprise Value 40.0b / Total Assets 39.2b)
Interest Expense / Debt = 2.65% (Interest Expense 197.3m / Debt 7.46b)
Taxrate = 22.82% (385.7m / 1.69b)
NOPAT = 702.1m (EBIT 909.7m * (1 - 22.82%))
Current Ratio = 2.21 (Total Current Assets 23.1b / Total Current Liabilities 10.5b)
Debt / Equity = 0.34 (Debt 7.46b / totalStockholderEquity, last quarter 22.0b)
Debt / EBITDA = -3.73 (Net Debt -4.81b / EBITDA 1.29b)
Debt / FCF = -1.24 (Net Debt -4.81b / FCF TTM 3.88b)
Total Stockholder Equity = 22.1b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.94% (Net Income 357.1m / Total Assets 39.2b)
RoE = 1.61% (Net Income TTM 357.1m / Total Stockholder Equity 22.1b)
RoCE = 3.20% (EBIT 909.7m / Capital Employed (Equity 22.1b + L.T.Debt 6.31b))
RoIC = 2.50% (NOPAT 702.1m / Invested Capital 28.1b)
WACC = 10.41% (E(44.8b)/V(52.2b) * Re(11.80%) + D(7.46b)/V(52.2b) * Rd(2.65%) * (1-Tc(0.23)))
Discount Rate = 11.80% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -85.02 | Cagr: -2.01%
[DCF] Terminal Value 71.61% ; FCFF base≈2.75b ; Y1≈3.16b ; Y5≈4.64b
[DCF] Fair Price = 103.7 (EV 51.2b - Net Debt -4.81b = Equity 56.1b / Shares 540.8m; r=10.41% [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=+0.17% | Revisions=+0% | Analysts=32
EPS current Year (2026-12-31): EPS=4.05 | Chg30d=+0.03% | Revisions=+0% | GrowthEPS=+70.8% | GrowthRev=+7.8%
EPS next Year (2027-12-31): EPS=5.21 | Chg30d=+0.42% | Revisions=+36% | GrowthEPS=+28.6% | GrowthRev=+11.2%
[Analyst] Revisions Ratio: +21% (up=10, down=6)