Stock Analysis
Block, Inc.XYZ
P/E 131.03×· not meaningful — TTM earnings temporarily depressed
Sector: Technology · Industry: Services-Prepackaged Software
AnalystsStrong Buy53 analystsPrice is 81% of the way from the year's low to its high.
Cash covers 94% of debt · Q2 2026.
PMP Verdict
Mixed fundamentals, fairly valued
Strengths
- Financial Health88
- Growth87
Risks
- Profitability21
Mixed picture — no clear quality or value edge.
Market context
-2.4% today· Z 1.7σ
Bull Case
- ✓Interest coverage 130.9× — debt well covered
What's happening with XYZ
Profile
Strong financial health and growth; profitability and moat lag behind.
How is each axis scored?
- Valuation55/100 · Moderate
- P/E vs own history (89th pct)0/25
- FCF yield (8.4%)25/25
- P/S (1.9x)25/25
- EV/EBIT (40.0x)5/25
- Growth87/100 · Strong
- Revenue CAGR (8.2%)12/25
- Net income CAGR (67.4%)25/25
- EPS CAGR 5Y (55.6%)25/25
- Fwd implied growth (658.1%)25/25
- Profitability21/100 · Weak
- ROIC (4.1%)5/25
- ROE (1.6%)5/25
- Net margin (1.4%)6/25
- Operating margin (4.7%)5/25
- Financial Health88/100 · Strong
- Altman Z (2.47)18/25
- Current ratio (2.21)25/25
- Interest coverage (130.9x)25/25
- Net cash / debt (D/A 1%)20/25
- Quality60/100 · Moderate
- Piotroski F (6/9)15/25
- Beneish M (-2.50)20/25
- FCF conversion (n/a)0/25
- Margin stability (σ 3.8%)25/25
- Moat36/100 · Weak
- ROIC >12% years (0/5 yrs)0/25
- Median gross margin (34.6%)13/25
- FCF-positive years (4/5 yrs)18/25
- Worst-year net margin (worst -3.1%)5/25
About Block, Inc.
Founded in 2009, Block provides payment services to merchants, along with related services. Show more
The company also launched Cash App, a person-to-person payment network. In 2025, Square's payment volume was almost USD 260 million.
Headquarters: OAKLAND, CA · Employees: 10,205 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
55CP/E (TTM)130xC
Grade C: DistortedTTM earnings are temporarily depressed — this multiple overstates expensiveness. Forward P/E is a better guide — vs own 2Y history: 10.2x–142.7x · 89th pct
P/FCF11.9xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield8.4%A
Grade A: ValueTTM (OCF − CapEx) / Market Cap — vs own 2Y history: 2.6%–9.2% · 91st pct
P/S (TTM)1.85xA
Grade A: CheapPrice / TTM Revenue (own statements) — vs own 2Y history: 1.2x–2.5x · 66th pct
EV/EBIT40.0xD
Grade D: ExpensiveEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 2Y history: 14.6x–58.7x · 67th pct
EV/Sales1.9xA
Grade A: CheapEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E17.1xB
Grade B: FairPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio2.11xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio—
Finnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield—
TTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio—
Dividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
21EROIC4.1%D
Grade D: LowNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE1.6%D
Grade D: WeakReturn on Equity. Neg. equity = heavy buybacks
ROA0.9%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin1.4%D
Grade D: LowNet Income / Revenue
Operating Margin4.7%D
Grade D: LowTTM EBIT / TTM Revenue
Gross Margin46.4%C
Grade C: AverageGross Profit / Revenue
FCF Margin15.5%A
Grade A: HighFCF / Revenue
True FCF Margin10.7%C
Grade C: AverageTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
87ARevenue CAGR8.2%C
Grade C: OkCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR67.4%A
Grade A: HighCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)55.6%A
Grade A: HighCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth658.1%A
Grade A: HighAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)—
Share count change over 5Y
SBC / Net Income336.4%D
Grade D: HighStock-based comp/Net income. >30% = dilution risk
SBC / Revenue4.8%C
Grade C: MedTTM stock-based comp / TTM Revenue
Financial Health
88AAltman Z-Score2.47C
Grade C: Gray zoneBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio2.21xA
Grade A: HighCurrent Assets/Liabilities
Quick Ratio2.16xA
Grade A: High(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage130.9xA
Grade A: StrongEBIT/Interest. >10 Strong
Debt Repayment0.1yA
Grade A: FastYears to repay net debt via FCF
Net Debt/EBIT0.4xA
Grade A: LowLeverage. <2x Low, >4x High
Debt/Equity0.33xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.94xC
Grade C: PartialCash covers how much of total debt. >1 = could repay all debt from cash
Quality
60BPiotroski F-Score6/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.50A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion—
FCF / Net Income
Margin Stability3.8%A
Grade A: StableEBIT margin std deviation. Lower = stable
Capex / Revenue0.7%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.63xC
Grade C: AverageRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Eisen Anthony Mathew Filed | Eisen Anthony Mathew | SellOpen market sale | -6000 | |
Eisen Anthony Mathew Filed | Eisen Anthony Mathew | SellOpen market sale | -6000 | |
Eisen Anthony Mathew Filed | Eisen Anthony Mathew | SellOpen market sale | -6000 | |
Eisen Anthony Mathew Filed | Eisen Anthony Mathew | SellOpen market sale | -6000 | |
Eisen Anthony Mathew Filed | Eisen Anthony Mathew | SellOpen market sale | -6000 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Eisen Anthony Mathew Filed | Eisen Anthony Mathew | SellOpen market sale | -6000 | |
Eisen Anthony Mathew Filed | Eisen Anthony Mathew | SellOpen market sale | -6000 | |
Eisen Anthony Mathew Filed | Eisen Anthony Mathew | SellOpen market sale | -6000 |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
36DROIC >12% Years0/5 yrsD
Grade D: WeakShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)34.6%C
Grade C: ModerateMedian annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years4/5 yrsA
Grade A: DurableShare of completed fiscal years with positive free cash flow
Net Margin Floor-3.1%D
Grade D: WeakWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$0.59
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$6.52
Cash & short-term investments per share (Finnhub)
Book Value / Share$19.31
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$7.17B
Total debt obligations (short + long term)
Cash & Equiv.$6.74B
Cash and short-term investments
Net Debt$433.14M
Total Debt minus Cash. Negative = Net Cash position
Total Equity$22.01B
Shareholders' equity (book value)
Asset / Liability2.28xA
Grade A: SolidTotal Assets / Total Liabilities
Market
Market Cap$46.35B
Current Market Capitalization
Beta2.60D
Grade D: High volatilityPrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: Block, Inc. (XYZ)
XYZ is down 2.43% at the last close. Piotroski F-Score of 6/9 indicates mixed fundamentals for Block, Inc.. Altman Z-Score of 2.47 falls in the grey zone (1.81–2.99) — financial distress is unlikely but not ruled out. Beneish M-Score of -2.50 suggests a low likelihood of earnings manipulation.
- Block, Inc. converts about 16% of revenue into free cash flow — strong cash generation.
- Takes ~0.1 years to repay net debt from free cash flow.
- Block, Inc. posted a net loss in 1 of 5 available completed fiscal years (2021–2025).
See how XYZ ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all XYZ moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 15 | Regular | 79.85 | +5.27% | 2.85 |
| Oct 15 | After-hours | 79.85 | +5.27% | 2.85 |
Frequently Asked Questions about XYZ
What is the current Block, Inc. (XYZ) stock price?
XYZ is trading at $77.89 at the last market close, down 2.43% on the session. PreMarketPrice tracks XYZ pre-market, intraday and after-hours prices.
Is XYZ stock a buy right now?
PreMarketPrice's quantitative model rates Block, Inc.'s financial health at 88/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is XYZ stock overvalued?
Block, Inc. trades at a trailing P/E of 129.8 and our valuation score rates it 55/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Block, Inc. report earnings?
No confirmed earnings date is currently scheduled for XYZ. The Earnings section lists recent reports and updates as dates are announced.
What sector does Block, Inc. operate in?
Block, Inc. operates in the Technology sector, within the Services-Prepackaged Software industry. The Related Stocks section lists sector peers for comparison.
What does Block, Inc. do?
Founded in 2009, Block provides payment services to merchants, along with related services.
About Block, Inc. (XYZ) Stock
Block, Inc. (XYZ) is a US-listed stock operating in the Technology sector, specifically the Services-Prepackaged Software industry. As of the latest update, Block, Inc. is trading at $77.89, down 2.43% on the day with a market capitalization of $46.4 billion. The financial health score for XYZ is 88/100, which indicates excellent financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for XYZ stock.
XYZ Stock Analysis & Key Metrics
On PreMarketPrice, you can track Block, Inc. (XYZ) across multiple dimensions:
- Pre-market price & movement: Real-time XYZ stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for XYZ with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Block, Inc. across multiple reporting periods.
- Financial health score: A composite score of 88/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for XYZ.
- Sector peers: Compare XYZ against 6 other technology stocks on key financial metrics.
Is XYZ a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Block, Inc. (XYZ) as an investment. The financial health score of 88/100 suggests excellent financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Block, Inc. (XYZ) trades on NYSE/NASDAQ. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.