Block Inc (XYZ)
Fair ValueFundamental
59
Price
$76.46
Market Cap
$46.99B
Part 1 · What the company is worth
Overview
Block, Inc., together with its subsidiaries, builds ecosystems focused on commerce and financial products and services in the United States and internationally. It operates through two segments: Square and Cash App. The Square segment offers managed payment services; software solutions; hardware products, such as registers, terminals, stands, and readers for contactless and chips; banking services consisting of lending, instant transfer, and checking and savings accounts; and full-service setup and support services. This segment also provides loyalty, marketing, team management, and payroll services; and gift cards. It also offers Square Handheld, a portable point-of sale device for transaction purposes. The Cash App segment offers financial tools, including peer-to-peer payments, bitcoin, and stock investment brokerage; Cash App Card, a debit card; Cash App Pay, mobile-friendly way for cash app customers to pay at merchants across online and in-person channels; direct deposit, stock brokerage, and tax preparation services; and Afterpay, a buy now, pay later platform. In addition, the company operates TIDAL, a platform for musicians and fans; TBD, an open developer platform focused on making the decentralized financial world accessible; Bitkey, a self-custody bitcoin wallet; and proto. The company was formerly known as Square, Inc. and changed its name to Block, Inc. in December 2021. Block, Inc. was incorporated in 2009 and is based in Oakland, California.
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Direct competitors
Who this company fights with for the same customers
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No competitor list for this company yet.
Balance Sheet & Liquidity
Revenue
$25.04B
Trailing 12 months (through 6/30/2026)
Net Income
$357M
Trailing 12 months (through 6/30/2026)
Free Cash Flow
$2.42B
Total Equity
$22.20B
Total Liabilities
$17.38B
Current Ratio
2.21
Interest Coverage
6.66
Debt/EBITDA
2.89
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
How heavy the debt is
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$67.27
Current Price
$76.46
Margin of Safety
-13.7%
Fair Value Range
$43.73 - $90.82
Spread across the valuation methods used, not a statistically calibrated confidence interval.
Estimation Methods
Valuation Metrics
P/E Ratio
136.54
ROE
5.9%
P/B Ratio
1.88
P/FCF
10.65
Gross Margin
46.4%
ROIC
3.2%
Profitability Radar
Value Creation (Economic Moat)
ROIC
3.2%
WACC
16.3%
ROIC − WACC
-13.1 pp
ROIC is below the cost of capital — the company is destroying value for every dollar invested.
Fundamental Analysis Criteria
Passed (16)
- EPS shows upward trend
- Price CAGR 18.73%
- Gross margin 46.4%
- P/FCF 10.65
- P/B ratio 1.88
- Debt/equity ratio
- Positive free cash flow
- CapEx intensity
- Current ratio
- Interest coverage
- Debt/EBITDA
- Revenue growth 5Y 20.6%
- Earnings surprise, average 4.9%
- Earnings quality (operating cash flow / net income) 11.36
- Share dilution -2.1%
- Piotroski F-Score 5/9
Failed (9)
- ROIC 3.2%
- Operating margin 4.7%
- Return on tangible assets
- Low reliance on intangibles
- Price below Graham Number
- DCF valuation (Unknown)
- ROE 1.6%
- PEG ratio 3.55
- Net margin trend 1.4% vs 12.4%
Unavailable (1)
- Dividend payout –
Piotroski F-Score
Mixed signals: some areas need attention
Earnings Quality
High quality: earnings backed by cash
Share Dilution
Buying back shares. Shareholder friendly
Institutional Holdings
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. Jack Dorsey | Co-Founder, Block Head & Chairman | 48 |
| Mr. James Morgan McKelvey Jr. | Co-Founder & Director | 60 |
| Ms. Amrita Ahuja | Foundational Lead, COO, CFO & Treasurer | 45 |
| Mr. Brian Grassadonia | Ecosystem Lead | 42 |
| Mr. Owen Britton Jennings | Business Lead | 35 |
| Ms. Andrea L. Acosta | Chief Accounting Officer | 46 |
| Mr. Matthew Ross | Head of Investor Relations | - |
| Ms. Chrysty Esperanza | Counsel Lead, Chief Legal Officer & Corporate Secretary | 46 |
| Mr. Nicholas David Molnar | Sales & Marketing Lead | 35 |
| Ms. Alex Fisher | Global Head of Partnerships, GTM Strategy & Operations of Square, Afterpay & Cash App | - |
Audit Risk
4
Board Risk
10
Compensation Risk
9
Shareholder Rights Risk
10
Documents
- View document
Annual Report (10-K)
A yearly overview of the business, its financial results, and the risks it faces.
Filed on 2026-02-26
- View document
Quarterly Report (10-Q)
A snapshot of financial performance for the most recent three-month period.
Filed on 2026-08-05
- View document
Current Report (8-K)
An announcement of a major event, such as a leadership change or big news.
Filed on 2026-08-05
via SEC EDGAR
Income History
via SEC EDGAR
Part 2 · The price and its context
This part shows how the price has behaved, not whether the company is worth owning. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Market Reaction Profile
How much XYZ moves, measured on its daily prices.
More volatile than 51% of the tracked stocks (90-day volatility).
- Volatility 30d
- 31.6%
- Volatility 90d
- 36.5%
- Beta vs S&P 500 (1y)
- 1.82Correlation 0.50
- Max drawdown (12m)
- -38.8%
- ATR (14d, % of price)
- 3.09%
Earnings reactions
How XYZ moved around its past quarterly results.
Next earnings release
Nov 3, 2026 · In 10 days · Time not known
EPS estimate: 1.02Revenue estimate: $6.6B
What usually happens
- Over the last 12 releases the stock moved a median of 7.2% the next day, up or down.
- Next-day moves: up 5, down 7 (out of 12).
Release history
| Date | When | EPS est. | EPS actual | Surprise | Gap | 1 day | 5 days |
|---|---|---|---|---|---|---|---|
| Aug 5, 2026 | After the close | 0.88 | 1.02 | +16.4% | -0.5% | -6.2% | -7.0% |
| May 7, 2026 | After the close | 0.68 | 0.85 | +24.4% | +7.8% | +6.7% | +2.0% |
| Feb 26, 2026 | After the close | 0.66 | 0.65 | -1.2% | +15.7% | +16.8% | +23.6% |
| Nov 6, 2025 | After the close | 0.67 | 0.54 | -19.9% | -13.5% | -7.7% | -12.2% |
| Aug 7, 2025 | After the close | n/a | n/a | n/a | +6.9% | -4.5% | -1.1% |
| May 1, 2025 | After the close | n/a | n/a | n/a | -22.5% | -20.4% | -14.3% |
| Feb 20, 2025 | After the close | n/a | n/a | n/a | -9.7% | -17.7% | -22.6% |
| Nov 7, 2024 | After the close | n/a | n/a | n/a | -4.5% | -0.9% | +10.8% |
| Aug 1, 2024 | After the close | n/a | n/a | n/a | -2.4% | +0.8% | +2.2% |
| May 2, 2024 | After the close | n/a | n/a | n/a | +8.8% | -1.2% | +4.1% |
| Feb 22, 2024 | After the close | n/a | n/a | n/a | +17.4% | +16.1% | +16.9% |
| Nov 2, 2023 | After the close | n/a | n/a | n/a | +15.5% | +10.7% | +16.1% |
Release dates from SEC 8-K filings.
Updated 10/24/2026
Historical statistics for educational purposes only. They are not forecasts and not investment advice.
Price reaction to the news
Latest news on XYZ and what the price did next.
- 2/27/2026PositiveCathie Wood, Chase Coleman Bet On Block — Now Jack Dorsey Is Rewriting The Cost Curve
Published while the US market was open: the move of that day cannot be split into before and after the news, so no figure is shown.
Return of the stock minus return of SPY over the same days. A news item close to a price move did not necessarily cause it. Historical data for educational purposes only, not investment advice.
Latest News
Recent headlines for XYZ.
- 2/27/2026POSITIVECathie Wood, Chase Coleman Bet On Block — Now Jack Dorsey Is Rewriting The Cost Curve
Block Inc. (formerly Square), under CEO Jack Dorsey, is undergoing a significant restructuring, including a 40% staff reduction to pivot towards artificial intelligence. This strategic move, aimed at "rewriting the cost curve," follows a period where high-profile investors like Cathie Wood and Chase Coleman had already increased their positions in the stock. The cost reduction and the pivot to AI could signal enhanced operational efficiency and new growth opportunities, making Block stock an interesting prospect for investors seeking companies in a phase of transformation and optimization.