Zacks Investment Research·20h ago
Top Mobile Payments Stocks to Buy as Cashless Commerce AcceleratesMobile payments are reshaping global commerce. See why V, XYZ, KLAR and GDOT could be among the biggest beneficiaries.
Block, Inc.(XYZ)Earnings, Financials & Key Ratios
XYZ•NYSE
$77.56
36.9× P/E·Price updated Jul 7, 2026
AboutBlock, Inc., together with its subsidiaries, creates tools that enables sellers to accept card payments and provides reporting and analytics, and next-day settlement. It provides hardware products, including Magstripe reader, which enables swiped transactions of magnetic stripe cards; Contactless and chip reader that accepts Europay, MasterCard, and Visa (EMV) chip cards and Near Field Communication payments; Square Stand, which enables an iPad to be used as a payment terminal or full point of sale solution; Square Register that combines its hardware, point-of-sale software, and payments technology; Square Terminal, a payments device and receipt printer to replace traditional keypad terminals, which accepts tap, dip, and swipe payments. The company also offers various software products, including Square Point of Sale; Square Appointments; Square for Retail; Square for Restaurants; Square Online and Square Online Checkout; Square Invoices; Square Virtual Terminal; Square Team Management; Square Contracts; Square Loyalty, Marketing, and Gift Cards; and Square Dashboard. In addition, it offers a developer platform, which includes application programming interfaces and software development kits. Further, the company provides Cash App, which enables to send, spend, and store money; and Weebly that offers customers website hosting and domain name registration solutions. It serves in the United States, Canada, Japan, Australia, Ireland, France, Spain, and the United Kingdom. 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 San Francisco, California.Show more
- Revenue$24.19B+0.3%
- EBITDA$1.82B+43.4%
- Net Income$1.3B-55.0%
- EPS (Diluted)2.10-53.8%
- Gross Margin42.82%+16.2%
- EBITDA Margin7.52%+43.0%
- Operating Margin7.06%+90.9%
- Net Margin5.39%-55.1%
- ROE6.01%-58.6%
XYZ Price & Volume
Block, Inc. (XYZ) stock price & volume — 10-year historical chart
Loading chart...
Decelerating Growth Challenges Core Profitability Scaling Efforts
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Decelerating
Profitability:Strained
Financial:Adequate
Cash Flow:Mixed
Primary Risk:Regulatory and Competitive Saturation
Key Thesis Takeaways
- Block faces a critical inflection point as revenue growth has decelerated to 4.9% in 2026Q1, signaling potential market saturation in its core fintech segments.
- While the company has successfully improved gross margins to 48.0%, the persistent reliance on over $300 million in quarterly stock-based compensation continues to obscure underlying profitability and dilute shareholder value.
- Investors should remain cautious regarding the $12.0 billion goodwill overhang, which may pose significant impairment risks if organic growth fails to accelerate from current levels.
Verdict Logic
while the company maintains a robust liquidity position with a current ratio of 1.99, the inability to achieve consistent operating profitability and the reliance on share buybacks to offset dilution warrant a wait-and-see approach.
XYZ Growth Metrics
Block, Inc. (XYZ) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years34.3%
5 Years20.56%
3 Years11.33%
TTM2.27%
Profit CAGR
10 Years-
5 Years43.66%
3 Years-
TTM-69.19%
EPS CAGR
10 Years-
5 Years36.7%
3 Years-
TTM-68.78%
Return on Capital
10 Years0.91%
5 Years2.9%
3 Years4.02%
Last Year5.95%
XYZ Recent Earnings
Block, Inc. (XYZ) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 3/12 qtrs (25%)●Beat Revenue 5/12 qtrs (42%)
Q2 2026Latest
May 7, 2026Metric
Actual
Est
EPS
$0.85+25.9%
$0.68
Rev
$6.1B+0.4%
$6.0B
Q1 2026
Feb 26, 2026Metric
Actual
Est
EPS
$0.65-0.3%
$0.65
Rev
$6.3B-0.4%
$6.3B
Q4 2025
Nov 6, 2025Metric
Actual
Est
EPS
$0.54-15.4%
$0.64
Rev
$6.1B-3.0%
$6.3B
Q3 2025
Aug 7, 2025Metric
Actual
Est
EPS
$0.62-1.1%
$0.63
Rev
$6.1B-3.8%
$6.3B
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 7, 2026 | $0.85vs $0.68+25.9% | $6.1Bvs $6.0B+0.4% |
| Q1 2026 | Feb 26, 2026 | $0.65vs $0.65-0.3% | $6.3Bvs $6.3B-0.4% |
| Q4 2025 | Nov 6, 2025 | $0.54vs $0.64-15.4% | $6.1Bvs $6.3B-3.0% |
| Q3 2025 | Aug 7, 2025 | $0.62vs $0.63-1.1% | $6.1Bvs $6.3B-3.8% |
Based on last 12 quarters of dataView full earnings history →
Latest XYZ News
Recent stock market news and headlines for Block, Inc. (XYZ)
Zacks Investment Research·1 day ago
Block's AI Automation Push: Will It Strengthen XYZ's Execution Edge?XYZ turns AI into a growth engine with Builderbot, Moneybot and Managerbot, boosting product development and expanding AI-powered commerce.
Business Wire·5 days ago
Block to Announce Second Quarter 2026 ResultsDISTRIBUTED-WORK-MODEL/OAKLAND, Calif.--(BUSINESS WIRE)--Block, Inc. (NYSE: XYZ) will release financial results for the second quarter of 2026 on Wednesday, August 5, 2026, after market close. Block will also host a conference call and earnings webcast at 2:00 p.m. Pacific Time / 5:00 p.m. Eastern Time on the same day to discuss these results.To register to participate in the conference call, or to listen to the live audio webcast, please visit the Events & Presentations section of Block's I.
Zacks Investment Research·5 days ago
Block's Square AI Push: Can ChatGPT & Claude Expand Seller Discovery?XYZ's Square adds ChatGPT app and Claude plugin to help sellers get discovered in AI search and accept orders, expanding its commerce strategy.
Zacks Investment Research·6 days ago
3 Reasons Why Growth Investors Shouldn't Overlook Block (XYZ)Block (XYZ) is well positioned to outperform the market, as it exhibits above-average growth in financials.
Peers Comparison
Key metrics vs top competitors for Block, Inc. (XYZ)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $77.56 | $46.16B | 36.93 | 0.3% | 5.39% | 6.01% | — | |
| $45.65 | $40.27B | 8.44 | 4.32% | 15% | 25.08% | — | |
| $83.62 | $27.85B | 557.47 | 38.8% | 11.95% | 11.17% | — | |
| $17.75 | $22.77B | 45.51 | 28.78% | 11.22% | 6.25% | — | |
| $112.90 | $101.7B | 55.07 | 51.58% | 41.12% | 21.38% | — | |
| $52.71 | $28.19B | 8.31 | 3.6% | 15.17% | 12.43% | — |
Compare XYZ vs Peers
Block, Inc. (XYZ) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
XYZ SEC Filings & Documents
Block, Inc. (XYZ) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
May 7, 2026·SEC
Material company update
May 4, 2026·SEC
Material company update
Feb 26, 2026·SEC
10-K Annual Reports
210-Q Quarterly Reports
4Get notified when XYZ posts new earnings or crosses analyst targets
Free. No account needed. Unsubscribe any time.
XYZ Frequently Asked Questions
Block, Inc. (XYZ) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
What is Block, Inc.'s revenue?
Block, Inc. (XYZ) reported $24.48B in revenue for fiscal year 2025. This represents a 4331% increase from $552.4M in 2013.
How fast is Block, Inc. growing?
Block, Inc. (XYZ) grew revenue by 0.3% over the past year. Growth has been modest.
Is XYZ profitable?
Yes, Block, Inc. (XYZ) is profitable, generating $805.7M in net income for fiscal year 2025 (5.4% net margin).
Dividend & Returns
What is XYZ's return on equity?
Block, Inc. (XYZ) has a return on equity (ROE) of 6.0%. This is below average, suggesting room for improvement.
What is Block, Inc.'s free cash flow?
Block, Inc. (XYZ) generated $3.26B in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.