(XYZ) Block - Overview
Stock: Payment, Pos, Card, Bitcoin, Wallet
EPS (Earnings per Share)
Revenue
| Risk 5d forecast | |
|---|---|
| Volatility | 55.7% |
| Relative Tail Risk | -4.15% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.60 |
| Alpha | -58.04 |
| Character TTM | |
|---|---|
| Beta | 1.648 |
| Beta Downside | 1.637 |
| Drawdowns 3y | |
|---|---|
| Max DD | 52.96% |
| CAGR/Max DD | -0.18 |
Description: XYZ Block January 25, 2026
Block, Inc. (NYSE:XYZ) operates two primary segments: Square, which delivers an integrated suite of commerce solutions-including point-of-sale hardware, online checkout, invoicing, loyalty, payroll, and banking services such as lending and checking accounts-and Cash App, which provides peer-to-peer payments, a debit card, Bitcoin and stock brokerage, tax filing, and the Afterpay BNPL platform. The company also runs ancillary businesses like TIDAL, the TBD decentralized-finance developer platform, Bitkey self-custody wallet, and the proto ecosystem.
Key recent metrics (Q4 2025): Total Payment Volume (TPV) grew 12% YoY to $149 billion, driven by a 9% increase in active Square merchants and a 15% rise in Cash App MAUs to 48 million; the Cash App Bitcoin portfolio surged 27% amid renewed retail crypto interest, while the BNPL market contracted 8% year-over-year, pressuring Afterpay growth. Macro-level, U.S. digital-payment adoption is projected to rise 9% annually through 2028 (McKinsey), and the broader fintech sector’s EBITDA margins are averaging 22%, indicating potential upside for Block’s diversified revenue mix.
For a deeper, data-driven valuation perspective, consider exploring Block’s profile on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 6.5
| Net Income: 3.14b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.05 > 0.02 and ΔFCF/TA 2.70 > 1.0 |
| NWC/Revenue: 49.89% < 20% (prev 44.99%; Δ 4.90% < -1%) |
| CFO/TA 0.05 > 3% & CFO 1.97b > Net Income 3.14b |
| Net Debt (-5.04b) to EBITDA (2.45b): -2.05 < 3 |
| Current Ratio: 2.18 > 1.5 & < 3 |
| Outstanding Shares: last quarter (621.7m) vs 12m ago -1.75% < -2% |
| Gross Margin: 40.65% > 18% (prev 0.36%; Δ 4029 % > 0.5%) |
| Asset Turnover: 63.47% > 50% (prev 65.63%; Δ -2.16% > 0%) |
| Interest Coverage Ratio: 22.79 > 6 (EBITDA TTM 2.45b / Interest Expense TTM 91.7m) |
Altman Z'' 2.87
| A: 0.31 (Total Current Assets 22.07b - Total Current Liabilities 10.11b) / Total Assets 39.18b |
| B: 0.09 (Retained Earnings 3.56b / Total Assets 39.18b) |
| C: 0.06 (EBIT TTM 2.09b / Avg Total Assets 37.77b) |
| D: 0.19 (Book Value of Equity 3.14b / Total Liabilities 16.71b) |
| Altman-Z'' Score: 2.87 = A |
Beneish M -2.88
| DSRI: 1.25 (Receivables 6.90b/5.48b, Revenue 23.97b/23.86b) |
| GMI: 0.88 (GM 40.65% / 35.70%) |
| AQI: 1.02 (AQ_t 0.42 / AQ_t-1 0.41) |
| SGI: 1.00 (Revenue 23.97b / 23.86b) |
| TATA: 0.03 (NI 3.14b - CFO 1.97b) / TA 39.18b) |
| Beneish M-Score: -2.88 (Cap -4..+1) = A |
What is the price of XYZ shares?
Over the past week, the price has changed by -7.38%, over one month by -20.04%, over three months by -21.09% and over the past year by -34.98%.
Is XYZ a buy, sell or hold?
- StrongBuy: 25
- Buy: 10
- Hold: 12
- Sell: 0
- StrongSell: 2
What are the forecasts/targets for the XYZ price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 84.6 | 51.1% |
| Analysts Target Price | 84.6 | 51.1% |
| ValueRay Target Price | 52.7 | -5.8% |
XYZ Fundamental Data Overview February 07, 2026
P/E Forward = 17.9533
P/S = 1.3573
P/B = 1.5505
P/EG = 1.1287
Revenue TTM = 23.97b USD
EBIT TTM = 2.09b USD
EBITDA TTM = 2.45b USD
Long Term Debt = 6.06b USD (from longTermDebt, last quarter)
Short Term Debt = 1.78b USD (from shortTermDebt, last quarter)
Debt = 8.10b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -5.04b USD (from netDebt column, last quarter)
Enterprise Value = 27.05b USD (32.54b + Debt 8.10b - CCE 13.59b)
Interest Coverage Ratio = 22.79 (Ebit TTM 2.09b / Interest Expense TTM 91.7m)
EV/FCF = 14.77x (Enterprise Value 27.05b / FCF TTM 1.83b)
FCF Yield = 6.77% (FCF TTM 1.83b / Enterprise Value 27.05b)
FCF Margin = 7.64% (FCF TTM 1.83b / Revenue TTM 23.97b)
Net Margin = 13.08% (Net Income TTM 3.14b / Revenue TTM 23.97b)
Gross Margin = 40.65% ((Revenue TTM 23.97b - Cost of Revenue TTM 14.23b) / Revenue TTM)
Gross Margin QoQ = 43.75% (prev 41.90%)
Tobins Q-Ratio = 0.69 (Enterprise Value 27.05b / Total Assets 39.18b)
Interest Expense / Debt = 0.43% (Interest Expense 34.7m / Debt 8.10b)
Taxrate = 23.26% (139.9m / 601.5m)
NOPAT = 1.60b (EBIT 2.09b * (1 - 23.26%))
Current Ratio = 2.18 (Total Current Assets 22.07b / Total Current Liabilities 10.11b)
Debt / Equity = 0.36 (Debt 8.10b / totalStockholderEquity, last quarter 22.51b)
Debt / EBITDA = -2.05 (Net Debt -5.04b / EBITDA 2.45b)
Debt / FCF = -2.75 (Net Debt -5.04b / FCF TTM 1.83b)
Total Stockholder Equity = 21.85b (last 4 quarters mean from totalStockholderEquity)
RoA = 8.30% (Net Income 3.14b / Total Assets 39.18b)
RoE = 14.35% (Net Income TTM 3.14b / Total Stockholder Equity 21.85b)
RoCE = 7.49% (EBIT 2.09b / Capital Employed (Equity 21.85b + L.T.Debt 6.06b))
RoIC = 5.61% (NOPAT 1.60b / Invested Capital 28.58b)
WACC = 9.67% (E(32.54b)/V(40.64b) * Re(11.99%) + D(8.10b)/V(40.64b) * Rd(0.43%) * (1-Tc(0.23)))
Discount Rate = 11.99% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.60%
[DCF Debug] Terminal Value 76.05% ; FCFF base≈1.39b ; Y1≈1.71b ; Y5≈2.91b
Fair Price DCF = 76.23 (EV 36.71b - Net Debt -5.04b = Equity 41.75b / Shares 547.7m; r=9.67% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 34.30 | EPS CAGR: -33.57% | SUE: -4.0 | # QB: 0
Revenue Correlation: 91.40 | Revenue CAGR: 11.40% | SUE: -0.90 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.69 | Chg30d=-0.028 | Revisions Net=-8 | Analysts=26
EPS next Year (2026-12-31): EPS=3.23 | Chg30d=-0.038 | Revisions Net=-5 | Growth EPS=+35.2% | Growth Revenue=+10.9%