Block, Inc.

Report azionario NYSE:XYZ

Capitalizzazione di mercato: US$50.9b

Block Performance degli utili passati

Criteri Il passato verificati 2/6

Block ha registrato una crescita degli utili a un tasso medio annuo di 53.1%, mentre il settore Diversified Financial ha registrato utili in crescita a un tasso medio annuo di 12.1%. I ricavi sono stati in crescita a un tasso medio annuo di 11%. Il ritorno sul capitale proprio di Block è 3.7% e ha margini netti di 3.3%.

Informazioni chiave

53.12%

Tasso di crescita degli utili

48.85%

Tasso di crescita dell'EPS

Diversified Financial Crescita del settore6.15%
Tasso di crescita dei ricavi10.95%
Rendimento del capitale proprio3.72%
Margine netto3.30%
Ultimo aggiornamento sugli utili31 Mar 2026

Aggiornamenti sulle prestazioni recenti

Recent updates

Seeking Alpha • Aug 04

Excerpt: Block - An Overlooked AI Beneficiary Within Financial Services

Summary With nearly 60 million monthly transacting actives, Cash App has become one of the largest consumer financial platforms in the U.S. Combined with product features that encourage repayment, Borrow has achieved repayment rates approaching 97%, despite serving a customer base largely ignored by traditional banks. The result has been improving payment volume growth and renewed market share gains against legacy providers, creating a second source of growth that we believe receives relatively little investor attention. Rather than viewing AI as another feature to offer customers, Block appears to be redesigning the organization around it. Read the full article on Seeking Alpha
Aggiornamento narrativa • Jul 30

XYZ: AI Native Transformation And Conviction List Status Will Support Future Upside

Block’s analyst fair value estimate has increased to $93.23 from $90.52, as analysts incorporate a slightly lower discount rate, modest adjustments to revenue growth and profit margin assumptions, and updated long-term P/E expectations informed by a series of recent price target increases across the Street. Analyst Commentary Recent Street research on Block points to a clear shift in tone, with a series of price target increases and fresh ratings shaping how investors may think about valuation, execution and growth durability.
Aggiornamento narrativa • Jul 16

XYZ: AI Led Margin Reset Should Support Future Earnings Power Repricing

The analyst price target for Block has increased to $115, supported by broader Street research pointing to AI-driven margin and free cash flow benefits, improving revenue growth and profit margin assumptions, as well as a slightly lower discount rate and future P/E in updated models. Analyst Commentary Recent research on Block highlights a cluster of bullish analysts who are leaning into AI driven margin and free cash flow assumptions, as well as improving execution across Cash App and Square.
Aggiornamento narrativa • Jul 02

XYZ: AI Efficiency Push May Support Stickier Users But Competitive Risks Persist

Analysts have lifted the price target for Block, with a higher fair value estimate of $71.57 supported by slightly stronger modeled revenue growth, profit margins, and a modestly higher future P/E multiple. Analyst Commentary Recent research on Block points to a generally constructive stance, with several firms lifting price targets and highlighting earnings potential, product momentum, and cost efficiencies.
Aggiornamento narrativa • Jun 18

XYZ: AI And Product Expansion May Support Stickier Users But Execution Risks Remain

Analysts have raised the fair value estimate for Block stock from $60.88 to $68.14, citing a series of price target increases, stronger profit margin assumptions, a slightly lower discount rate, and expectations for stickier user growth across Cash App and Square. Analyst Commentary Recent research on Block clusters around higher fair value and price targets, but the tone is not uniformly positive.
Aggiornamento narrativa • Jun 04

XYZ: AI Restructuring And Conviction List Inclusion Will Drive Future Upside

Analysts lifted their fair value estimate for Block by about $5 to $90.52, reflecting recent price target increases, the addition of Block to a major US conviction list, and survey evidence indicating growing momentum and user stickiness across the platform. Analyst Commentary Recent Street research on Block shows a cluster of revised targets and fresh coverage, giving you a clearer picture of how professionals are weighing the stock's execution, growth drivers, and risks.
Aggiornamento narrativa • May 20

XYZ: AI Driven Workforce Reset Should Support Future Earnings Power Repricing

Block's analyst fair value estimate has inched up by about $1 to $112.45, as analysts factor in higher expected revenue growth and profit margins, along with a slightly lower discount rate and more conservative future P/E assumptions following recent price target increases across the Street. Analyst Commentary Recent Street research skewed toward positive reassessments of Block, with a series of target hikes, upgrades, and new coverage pointing to improving confidence in execution and earnings power.
Aggiornamento narrativa • May 03

XYZ: AI Driven Workforce Reset Will Support Future Profitability Repricing

Analysts have modestly raised their price targets on Block, citing recent upgrades and Buy ratings that highlight confidence in the company's AI driven cost actions and product improvements. This is reflected in a slightly higher fair value estimate of $111.26 and an updated long term P/E assumption of about 17.8x.
Aggiornamento narrativa • Apr 17

XYZ: AI Driven Workforce Cuts Could Constrain Execution And Future Upside

Narrative Update on Block The analyst price target framework for Block has shifted higher to reflect a fair value estimate of $60.88. Analysts point to recent upgrades, AI driven cost actions, and margin focused Q4 commentary as reasons to adjust the discount rate, revenue growth, profit margin, and future P/E assumptions in the model.
Aggiornamento narrativa • Apr 03

XYZ: AI Driven Workforce Cuts Will Reset Cost Base And Profitability Profile

Analysts trimmed their fair value estimate for Block slightly to about $111.05 from $111.46, reflecting updated assumptions on revenue growth, profit margin, and future P/E after a wave of recent upgrades and bullish initiations that highlight AI driven cost actions and product expansion. Analyst Commentary Recent research on Block has tilted clearly positive, with a cluster of upgrades, reinstatements, and supportive sector views concentrated around the companys latest quarterly update and AI related cost actions.
Aggiornamento narrativa • Mar 20

XYZ: AI Driven Workforce Reduction Will Transform Profitability Profile

The analyst price target for Block has been raised from $104 to about $111, with analysts pointing to stronger modeled revenue growth, higher profit margins, and efficiency gains from AI driven headcount reductions as key supports for the revision. Analyst Commentary Recent Street research on Block has tilted constructive, with several bullish analysts raising price targets or moving to more positive ratings after the company outlined a 40% workforce reduction tied to AI driven efficiencies and laid out longer term profitability goals.
Aggiornamento narrativa • Mar 06

XYZ: AI Efficiency And Workforce Reset Will Drive Medium Term Upside

Analysts nudged our Block fair value estimate higher from $84.21 to $85.52. This reflects updated views on stronger profitability and revenue growth potential, partly offset by the use of a lower future P/E multiple as recent research highlights AI driven efficiency plans, workforce reductions, and evolving sentiment around payment stock valuations.
Aggiornamento narrativa • Feb 19

XYZ: Balanced Outlook As BNPL Momentum And Cost Cuts Shape Future Upside

Our updated narrative trims Block's fair value estimate slightly to $57.13 from $59.13. This reflects analysts' recent cuts to price targets in the $4 to $20 range as sector P/E multiples compress, even as they still highlight building momentum and support for the buy now, pay later opportunity.
Aggiornamento narrativa • Feb 05

XYZ: BNPL Adoption And Execution Improvements Will Drive Medium Term Upside Momentum

Analysts have made a small upward adjustment to their fair value estimate for Block, lifting it by about US$0.20 per share. Recent research points to building momentum in the business and a willingness to assign a slightly higher future P/E multiple, despite more tempered assumptions for growth and margins.
Aggiornamento narrativa • Jan 22

XYZ: Balanced Outlook As Seller Profit Risks And BNPL Exposure Shape Upside

Narrative Update Analysts have nudged their fair value estimate for Block higher to about $59 per share from roughly $58, tying this to updated views on revenue growth, profit margins, and a lower future P/E multiple after a mix of recent target raises and cuts across the Street. Analyst Commentary Recent Street research around Block reflects a mixed but increasingly balanced view, with optimism on product and growth plans offset by concerns about execution and how much investors are being asked to pay for that story.
Aggiornamento narrativa • Jan 07

XYZ: Medium Term Margin Expansion And Product Execution Will Drive Renewed Upside Momentum

Analysts have trimmed their average price target for Block by a few dollars into the high US$80s, reflecting slightly softer revenue growth assumptions along with higher expected profit margins and confidence from recent upgrades and new Buy initiations. Analyst Commentary Recent research updates on Block point to a mixed but engaged analyst community, with several firms revisiting their models after earnings, Investor Day and sector wide reviews in payments and fintech.
Aggiornamento narrativa • Dec 21

XYZ Risks Around Seller Profit Trends Will Constrain Upside Ahead

Analysts have nudged our fair value estimate for Block higher to about $58 from roughly $55, reflecting increased conviction in the company’s medium term growth algorithm, accelerating topline momentum, and improving ecosystem trends despite some near term execution concerns. Analyst Commentary Recent Street research on Block presents a mixed backdrop, with constructive views on the company’s long term positioning tempered by heightened scrutiny of near term execution and valuation.
Aggiornamento narrativa • Dec 07

XYZ: Medium Term Margin Expansion Will Drive Renewed Upside Momentum This Year

Analysts nudged their blended price target for Block modestly higher to around $88 per share, citing a clearer medium term growth roadmap, improving profitability expectations, and confidence in the company’s ability to sustain robust gross profit expansion despite near term volatility in Square trends. Analyst Commentary Street research around Block remains divided, but the overall tone is cautiously constructive, with bullish analysts largely focused on the company’s medium term growth algorithm and margin trajectory, while more skeptical voices emphasize execution risk and elevated expectations in the near term.
Aggiornamento narrativa • Nov 23

XYZ: U S Payment Volume Acceleration Will Drive Renewed Upside Momentum This Year

Block's analyst price target has been modestly reduced from $88.51 to $84.01, as analysts weigh mixed signals from recent earnings and evolving growth forecasts. Analyst Commentary Recent Street research reflects a range of views regarding Block's outlook and market positioning, with analysts weighing the company’s evolving operational momentum against execution risks and sector headwinds.
Aggiornamento narrativa • Nov 21

Negative sentiment has been priced in

What has happened since September? Share price fell after the Q3 earnings missed expectations, even though the business is doing better.
Aggiornamento narrativa • Nov 07

XYZ: Accelerating U S Payment Volumes Will Drive Upside Momentum This Year

Block's analyst price target has increased modestly by $0.11, supported by improving profit outlooks and broadly positive research indicating accelerating growth and stronger U.S. market momentum. Analyst Commentary Recent Street research on Block reflects a mix of optimistic outlooks and ongoing areas of caution, as analysts assess the company's position in the evolving payments and fintech sector.
Aggiornamento narrativa • Oct 24

Momentum Across Core Segments Will Shape Fintech Landscape Amid Lending Risks Ahead

The analyst price target for Block has been increased modestly from $87.17 to $88.40, as analysts point to growing momentum across Square and Cash App segments, along with a broadly more optimistic outlook following recent industry research. Analyst Commentary Recent analyst research reveals a mix of optimism and caution regarding Block’s near- and mid-term prospects, reflecting differing views on growth acceleration, risk exposure, and valuation following the company’s latest performance updates.
Aggiornamento narrativa • Sep 17

Cash App And Square Expansion Will Drive Fintech Amid Risks

Analysts have raised Block's price target to $87.17, citing accelerating payment volumes, improving Cash App and Square performance, and expanded margins, but caution remains due to rising reliance on lending products and concerns over the sustainability of profit growth. Analyst Commentary Bullish analysts point to accelerating gross payment volumes and improving trends at both Cash App (notably Borrow, BNPL, and Cash Card) and Square, resulting in earnings beats and upgraded outlooks.
Aggiornamento narrativa • Aug 27

Cash App And Square Expansion Will Drive Fintech Amid Risks

Block’s consensus price target has been revised modestly downward as analysts weigh strong Q2 results and broad-based business momentum against rising concerns over the company’s growing reliance on lending products and potential credit risks, with the fair value decreasing from $86.88 to $85.02. Analyst Commentary Bullish analysts cite Block’s Q2 earnings beat, with notable reacceleration in gross payment volume for Square and gross profit growth led by Cash App Borrow, BNPL, and Cash Card, as well as broad-based strength across business lines.
Aggiornamento narrativa • Aug 08

Cash App And Square Expansion Will Drive Fintech Amid Risks

With no changes in Block’s discount rate or revenue growth forecasts, the consensus analyst price target remains steady at $82.40. What's in the News Cash App launched "pools," a peer-to-peer group payment feature with Apple Pay and Google Pay integrations, initially available to select users and expanding soon.
Aggiornamento narrativa • Aug 08

Expanding Cash App Features And Bitcoin Initiatives Will Improve User Engagement

The upward revision in Block’s consensus price target is primarily driven by stronger projected revenue growth and a higher future P/E multiple, raising the fair value estimate from $75.72 to $82.40. What's in the News Cash App introduced "pools," a new group payment feature supporting contributions via Cash App, Apple Pay, and Google Pay, with phased rollout planned.
Seeking Alpha • Apr 16

Block's Unwarranted Selloff Triggers Rich Opportunities - Maintain Cautious Buy

Summary Block's mixed Cash App performance in FQ4'24 and lumpy FQ1'25 guidance have triggered the stock's selloff, worsened by the uncertain macroeconomic environment. With the fintech's payment volume growth/gross profit growth decelerating, we can understand why the market has decided to discount its near-term prospects. This is despite the fintech's expanding profit margins, richer balance sheet, and promising FY2025 guidance, as we observe an increasingly crowded digital payment/wallet market. Even so, the selloff has narrowed the gap to XYZ's book value per share, as the bulls also seemingly defend the recent floor at $49s. This is significantly aided by the management investing in its growth initiatives across Square/Cash App and merchant partners, while reducing headcounts to drive profitable growth. Read the full article on Seeking Alpha
Seeking Alpha • Mar 17

Block: Extreme Value At A Rock Bottom Valuation With Incredible Potential

Summary I was bearish on XYZ due to excessive stock-based compensation, but improved financials and profitability have changed my investment thesis to very bullish. XYZ's expected EPS growth and forward P/E ratio indicate it is significantly undervalued compared to SPYV's top holdings, presenting a strong investment opportunity. Despite risks like underperformance, competition, and regulatory challenges, XYZ's financial momentum and strategic initiatives in Cash App and international markets are promising. I have been adding to my position as XYZ's current valuation offers substantial long-term potential, with 41.39% EPS growth expected over the next two years. Read the full article on Seeking Alpha
Seeking Alpha • Mar 09

Block Q4: Expecting A Growth Inflection After Q1 FY2025

Summary Block is down 28% after disappointing Q4 FY2024 results and a weak Q1 FY2025 outlook, driven by strong currency headwind and lapping leap-year effect. The FY2025 outlook signals a growth rebound after Q1, with a "Rule of 36" and an increase to 40 in FY2026. Square's GPV continued to accelerate in Q4 FY2024, and the recent integration of Afterpay with Cash App Card has potential to scale payment volume. Despite a slowdown in gross profit growth, the company's adjusted FCF grew over 300% YoY in FY2024, driven by strong earnings growth. The stock's non-GAAP P/E fwd is expected to be 15.5x, based on my projection of 14.5% adjusted EPS growth in FY2025, creating an attractive buying opportunity after triggering an oversold condition. Read the full article on Seeking Alpha
Seeking Alpha • Feb 28

Block Stock: Don't Lose Faith (Technical Analysis)

Summary The technicals are now heavily bearish, but that is no surprise given the post-earnings rout in the stock. In my view, most recent earnings were actually resilient, and while guidance was weaker than desired, financials are expected to remain at strong levels. The valuation is currently too depressed relative to the fundamentals, as the P/S and P/CFO ratios show a major disconnect with their respective financial results. I believe investors could use this selloff as a buying opportunity as the fundamental setup remains attractive amid technical weakness. Read the full article on Seeking Alpha

Ripartizione dei ricavi e delle spese

Come Block guadagna e spende denaro. In base agli ultimi utili dichiarati, su base LTM.

Storico di utili e ricavi

NYSE:XYZ Ricavi, spese e utili (USD Millions )
DataRicaviUtiliSpese G+ASpese di R&S
31 Mar 2624,4798074,7353,186
31 Dec 2524,1941,3064,2212,908
30 Sep 2523,9743,1364,2582,967
30 Jun 2523,8352,9584,0972,967
31 Mar 2523,9362,6154,0742,955
31 Dec 2424,1212,8973,9882,914
30 Sep 2423,8621,0533,9302,830
30 Jun 2423,5036813,9032,833
31 Mar 2422,8833833,9972,814
31 Dec 2321,916104,1622,721
30 Sep 2320,793-2063,9732,640
30 Jun 2319,692-1323,9102,474
31 Mar 2318,561-2383,7782,304
31 Dec 2217,532-5413,7292,136
30 Sep 2216,959-5043,4711,922
30 Jun 2216,288-4893,2661,735
31 Mar 2216,565-772,9341,532
31 Dec 2117,6611662,6001,384
30 Sep 2116,7425372,3041,247
30 Jun 2115,9315742,1301,114
31 Mar 2113,1743581,9101,001
31 Dec 209,4982131,689882
30 Sep 207,6523101,504804
30 Jun 205,8853031,267746
31 Mar 205,1353081,150711
31 Dec 194,7143751,062674
30 Sep 194,333-44972639
30 Jun 193,948-53909606
31 Mar 193,589-53833547
31 Dec 183,298-38750497
30 Sep 182,982-26679448
30 Jun 182,685-62608395
31 Mar 182,421-72550358
31 Dec 172,214-63504322
30 Sep 172,050-62463294
30 Jun 171,904-79431282
31 Mar 171,791-90400273
31 Dec 161,709-172378269
30 Sep 161,631-237359263
30 Jun 161,524-259337247
31 Mar 161,396-261309225
31 Dec 151,267-212289200
30 Sep 151,144-169261180

Guadagni di qualità: XYZ ha guadagni di alta qualità.

Margine di profitto in crescita: Gli attuali margini di profitto netti di XYZ (3.3%) sono inferiori rispetto allo scorso anno (10.9%).

Flusso di cassa libero e analisi degli utili

Analisi della crescita degli utili nel passato

Andamento degli utili: Gli utili di XYZ sono cresciuti in modo significativo del 53.1% all'anno negli ultimi 5 anni.

Accelerare la crescita: XYZ ha avuto una crescita negativa degli utili nell'ultimo anno, quindi non può essere confrontata con la sua media quinquennale.

Guadagni vs Settore: XYZ ha avuto una crescita negativa degli utili ( -69.1% ) nell'ultimo anno, rendendo difficile il confronto con la media del settore Diversified Financial ( 9.6% ).

Rendimento del capitale proprio

ROE elevato: Il Return on Equity ( 3.7% ) di XYZ è considerato basso.

Rendimento delle attività

Rendimento del capitale investito

Scoprire le aziende con forti performance passate

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Analisi aziendale e situazione dei dati finanziari

DatiUltimo aggiornamento (ora UTC)
Analisi dell'azienda2026/08/05 09:18
Prezzo dell'azione a fine giornata2026/08/05 00:00
Utili2026/03/31
Utili annuali2025/12/31

Fonti dei dati

I dati utilizzati nella nostra analisi aziendale provengono da S&P Global Market Intelligence LLC. I seguenti dati sono utilizzati nel nostro modello di analisi per generare questo report. I dati sono normalizzati, il che può comportare un ritardo nella disponibilità della fonte.

PacchettoDatiTempisticaEsempio Fonte USA *
Dati finanziari della società10 anni
  • Conto economico
  • Rendiconto finanziario
  • Bilancio
Stime di consenso degli analisti+3 anni
  • Previsioni finanziarie
  • Obiettivi di prezzo degli analisti
Prezzi di mercato30 anni
  • Prezzi delle azioni
  • Dividendi, scissioni e azioni
Proprietà10 anni
  • Top azionisti
  • Insider trading
Gestione10 anni
  • Team di leadership
  • Consiglio di amministrazione
Sviluppi principali10 anni
  • Annunci aziendali

* Esempio per i titoli statunitensi, per i titoli non statunitensi si utilizzano forme e fonti normative equivalenti.

Se non specificato, tutti i dati finanziari si basano su un periodo annuale ma vengono aggiornati trimestralmente. Si tratta dei cosiddetti dati TTM (Trailing Twelve Month) o LTM (Last Twelve Month). Per saperne di più.

Modello di analisi e Snowflake

I dettagli del modello di analisi utilizzato per generare questo report sono disponibili sulla nostra pagina GitHub; abbiamo anche delle guide su come utilizzare i nostri report e dei tutorial su YouTube.

Scoprite il team di livello mondiale che ha progettato e realizzato il modello di analisi Simply Wall St.

Metriche di settore e industriali

Le nostre metriche di settore e di sezione sono calcolate ogni 6 ore da Simply Wall St; i dettagli del nostro processo sono disponibili su Github.

Fonti analitiche

Block, Inc. è coperta da 64 analisti. 33 di questi analisti ha fornito le stime di fatturato o di utile utilizzate come input per il nostro report. Le stime degli analisti vengono aggiornate nel corso della giornata.

AnalistaIstituzione
Richard KramerArete Research Services LLP
Oliver LesterArete Research Services LLP
Stephen BiggarArgus Research Company