(XYZ) Block - Ratings and Ratios
Point-Of-Sale, Reader, Terminal, Cash-App, Card
XYZ EPS (Earnings per Share)
XYZ Revenue
Description: XYZ Block September 11, 2025
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 | 45,060m |
| Sub-Industry | Data Processing & Outsourced Services |
| IPO / Inception | 2015-11-19 |
XYZ Stock Ratings
| Growth Rating | -7.32% |
| Fundamental | 56.1% |
| Dividend Rating | - |
| Return 12m vs S&P 500 | -13.8% |
| Analyst Rating | 4.14 of 5 |
XYZ Dividends
Currently no dividends paidXYZ Growth Ratios
| Growth Correlation 3m | 18.2% |
| Growth Correlation 12m | -27.3% |
| Growth Correlation 5y | -60.3% |
| CAGR 5y | 8.18% |
| CAGR/Max DD 3y (Calmar Ratio) | 0.15 |
| CAGR/Mean DD 3y (Pain Ratio) | 0.34 |
| Sharpe Ratio 12m | 0.75 |
| Alpha | -39.76 |
| Beta | 2.715 |
| Volatility | 48.58% |
| Current Volume | 7364.7k |
| Average Volume 20d | 5239.3k |
| Stop Loss | 72.7 (-4.3%) |
| Signal | -0.03 |
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) 56.11
| 1. Piotroski 7.50pt = 2.50 |
| 2. FCF Yield 2.68% = 1.34 |
| 3. FCF Margin 4.44% = 1.11 |
| 4. Debt/Equity 0.28 = 2.46 |
| 5. Debt/Ebitda -2.71 = 2.50 |
| 6. ROIC - WACC (= -9.55)% = -11.94 |
| 7. RoE 13.95% = 1.16 |
| 8. Rev. Trend 85.32% = 6.40 |
| 9. EPS Trend 11.54% = 0.58 |
What is the price of XYZ shares?
Over the past week, the price has changed by -5.25%, over one month by -1.13%, over three months by -0.24% and over the past year by +4.47%.
Is Block a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of XYZ is around 62.12 USD . This means that XYZ is currently overvalued and has a potential downside of -18.2%.
Is XYZ a buy, sell or hold?
- 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 | 88.5 | 16.6% |
| Analysts Target Price | 88.5 | 16.6% |
| ValueRay Target Price | 72.8 | -4.2% |
XYZ Fundamental Data Overview November 01, 2025
P/E Trailing = 15.7949
P/E Forward = 20.6612
P/S = 1.8905
P/B = 2.1132
P/EG = 1.3765
Beta = 2.715
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 = 6.12b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -5.20b USD (from netDebt column, last quarter)
Enterprise Value = 39.46b USD (45.06b + Debt 6.12b - CCE 11.72b)
Interest Coverage Ratio = 22.01 (Ebit TTM 1.56b / Interest Expense TTM 70.8m)
FCF Yield = 2.68% (FCF TTM 1.06b / Enterprise Value 39.46b)
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)
Gross Margin QoQ = 41.34% (prev 39.09%)
Tobins Q-Ratio = 1.07 (Enterprise Value 39.46b / Total Assets 36.86b)
Interest Expense / Debt = 0.39% (Interest Expense 23.7m / Debt 6.12b)
Taxrate = 18.36% (121.0m / 659.4m)
NOPAT = 1.27b (EBIT 1.56b * (1 - 18.36%))
Current Ratio = 1.96 (Total Current Assets 19.71b / Total Current Liabilities 10.07b)
Debt / Equity = 0.28 (Debt 6.12b / totalStockholderEquity, last quarter 22.16b)
Debt / EBITDA = -2.71 (Net Debt -5.20b / EBITDA 1.92b)
Debt / FCF = -4.91 (Net Debt -5.20b / FCF TTM 1.06b)
Total Stockholder Equity = 21.20b (last 4 quarters mean from totalStockholderEquity)
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 / Capital Employed (Equity 21.20b + L.T.Debt 4.12b))
RoIC = 4.59% (NOPAT 1.27b / Invested Capital 27.75b)
WACC = 14.14% (E(45.06b)/V(51.18b) * Re(16.02%) + D(6.12b)/V(51.18b) * Rd(0.39%) * (1-Tc(0.18)))
Discount Rate = 16.02% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.81%
[DCF Debug] Terminal Value 48.48% ; FCFE base≈852.6m ; Y1≈671.3m ; Y5≈441.5m
Fair Price DCF = 6.24 (DCF Value 3.43b / Shares Outstanding 549.6m; 5y FCF grow -25.39% → 3.0% )
EPS Correlation: 11.54 | EPS CAGR: -44.16% | SUE: -4.0 | # QB: 0
Revenue Correlation: 85.32 | Revenue CAGR: 11.25% | SUE: -0.84 | # QB: 0
Additional Sources for XYZ Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle