BLOCK INC (XYZ) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:XYZ - US8522341036 - Common Stock
65.95 USD
+1.03 (+1.59%)
65.9501 USD
0 (0%)
Overall XYZ gets a fundamental rating of 5 out of 10. We evaluated XYZ against 98 industry peers in the Financial Services industry. XYZ has only an average score on both its financial health and profitability. While showing a medium growth rate, XYZ is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
- In the past year XYZ was profitable.
- XYZ had a positive operating cash flow in the past year.
- XYZ had positive earnings in 4 of the past 5 years.
- XYZ had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- Looking at the Return On Assets, with a value of 8.00%, XYZ belongs to the top of the industry, outperforming 83.67% of the companies in the same industry.
- Looking at the Return On Equity, with a value of 13.93%, XYZ is in the better half of the industry, outperforming 72.45% of the companies in the same industry.
- XYZ has a Return On Invested Capital of 6.27%. This is in the better half of the industry: XYZ outperforms 69.39% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8% | ||
| ROE | 13.93% | ||
| ROIC | 6.27% |
ROA(3y)2.06%
ROA(5y)1.89%
ROE(3y)3.51%
ROE(5y)4.71%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- With a Profit Margin value of 13.08%, XYZ perfoms like the industry average, outperforming 57.14% of the companies in the same industry.
- In the last couple of years the Profit Margin of XYZ has grown nicely.
- With a Operating Margin value of 9.62%, XYZ perfoms like the industry average, outperforming 40.82% of the companies in the same industry.
- In the last couple of years the Operating Margin of XYZ has grown nicely.
- The Gross Margin of XYZ (40.87%) is comparable to the rest of the industry.
- XYZ's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 9.62% | ||
| PM (TTM) | 13.08% | ||
| GM | 40.87% |
OM growth 3Y43.23%
OM growth 5Y16.51%
PM growth 3Y133.66%
PM growth 5Y8.56%
GM growth 3Y13.77%
GM growth 5Y-1.67%
2. Health
2.1 Basic Checks
- XYZ has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- The number of shares outstanding for XYZ has been increased compared to 1 year ago.
- Compared to 5 years ago, XYZ has more shares outstanding
- The debt/assets ratio for XYZ is higher compared to a year ago.
2.2 Solvency
- XYZ has an Altman-Z score of 2.72. This is not the best score and indicates that XYZ is in the grey zone with still only limited risk for bankruptcy at the moment.
- XYZ's Altman-Z score of 2.72 is amongst the best of the industry. XYZ outperforms 82.65% of its industry peers.
- The Debt to FCF ratio of XYZ is 4.25, which is a neutral value as it means it would take XYZ, 4.25 years of fcf income to pay off all of its debts.
- XYZ has a better Debt to FCF ratio (4.25) than 66.33% of its industry peers.
- A Debt/Equity ratio of 0.27 indicates that XYZ is not too dependend on debt financing.
- The Debt to Equity ratio of XYZ (0.27) is better than 60.20% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 4.25 | ||
| Altman-Z | 2.72 |
ROIC/WACC0.77
WACC8.15%
2.3 Liquidity
- A Current Ratio of 2.18 indicates that XYZ has no problem at all paying its short term obligations.
- With a decent Current ratio value of 2.18, XYZ is doing good in the industry, outperforming 78.57% of the companies in the same industry.
- XYZ has a Quick Ratio of 2.17. This indicates that XYZ is financially healthy and has no problem in meeting its short term obligations.
- XYZ's Quick ratio of 2.17 is fine compared to the rest of the industry. XYZ outperforms 79.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.18 | ||
| Quick Ratio | 2.17 |
3. Growth
3.1 Past
- The earnings per share for XYZ have decreased strongly by -21.86% in the last year.
- The Earnings Per Share has been growing by 33.32% on average over the past years. This is a very strong growth
- XYZ shows a small growth in Revenue. In the last year, the Revenue has grown by 0.47%.
- XYZ shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 38.62% yearly.
EPS 1Y (TTM)-21.86%
EPS 3Y25.38%
EPS 5Y33.32%
EPS Q2Q%-38.64%
Revenue 1Y (TTM)0.47%
Revenue growth 3Y10.95%
Revenue growth 5Y38.62%
Sales Q2Q%2.33%
3.2 Future
- The Earnings Per Share is expected to grow by 14.30% on average over the next years. This is quite good.
- The Revenue is expected to grow by 10.16% on average over the next years. This is quite good.
EPS Next Y-27.45%
EPS Next 2Y0.44%
EPS Next 3Y9.5%
EPS Next 5Y14.3%
Revenue Next Year-0.08%
Revenue Next 2Y4.93%
Revenue Next 3Y6.92%
Revenue Next 5Y10.16%
3.3 Evolution
- Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
- The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
- XYZ is valuated quite expensively with a Price/Earnings ratio of 27.14.
- Based on the Price/Earnings ratio, XYZ is valued a bit more expensive than 65.31% of the companies in the same industry.
- XYZ's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 27.47.
- A Price/Forward Earnings ratio of 19.40 indicates a rather expensive valuation of XYZ.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of XYZ indicates a slightly more expensive valuation: XYZ is more expensive than 61.22% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.26, XYZ is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 27.14 | ||
| Fwd PE | 19.4 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of XYZ is on the same level as its industry peers.
- XYZ's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 21.88 | ||
| EV/EBITDA | 14.24 |
4.3 Compensation for Growth
- The decent profitability rating of XYZ may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.81
EPS Next 2Y0.44%
EPS Next 3Y9.5%
5. Dividend
5.1 Amount
- No dividends for XYZ!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
65.95
+1.03 (+1.59%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-06 2025-11-06/amc
Earnings (Next)02-18 2026-02-18/amc
Inst Owners81.09%
Inst Owner ChangeN/A
Ins Owners1.07%
Ins Owner Change-3.98%
Market Cap40.08B
Revenue(TTM)23.97B
Net Income(TTM)3.14B
Analysts79.17
Price Target85.55 (29.72%)
Short Float %3.59%
Short Ratio2.59
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-15.41%
Min EPS beat(2)-19.86%
Max EPS beat(2)-10.95%
EPS beat(4)0
Avg EPS beat(4)-21.66%
Min EPS beat(4)-36.25%
Max EPS beat(4)-10.95%
EPS beat(8)2
Avg EPS beat(8)-10.55%
EPS beat(12)5
Avg EPS beat(12)-5.99%
EPS beat(16)8
Avg EPS beat(16)1.09%
Revenue beat(2)0
Avg Revenue beat(2)-4.55%
Min Revenue beat(2)-5%
Max Revenue beat(2)-4.09%
Revenue beat(4)0
Avg Revenue beat(4)-5.5%
Min Revenue beat(4)-7.83%
Max Revenue beat(4)-4.09%
Revenue beat(8)2
Avg Revenue beat(8)-3.56%
Revenue beat(12)5
Avg Revenue beat(12)-0.95%
Revenue beat(16)7
Avg Revenue beat(16)-1.07%
PT rev (1m)-0.06%
PT rev (3m)-4.63%
EPS NQ rev (1m)-1.96%
EPS NQ rev (3m)-10.01%
EPS NY rev (1m)-0.57%
EPS NY rev (3m)-6.9%
Revenue NQ rev (1m)-0.06%
Revenue NQ rev (3m)-2.59%
Revenue NY rev (1m)0.03%
Revenue NY rev (3m)-1.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 27.14 | ||
| Fwd PE | 19.4 | ||
| P/S | 1.67 | ||
| P/FCF | 21.88 | ||
| P/OCF | 20.31 | ||
| P/B | 1.78 | ||
| P/tB | 4.28 | ||
| EV/EBITDA | 14.24 |
EPS(TTM)2.43
EY3.68%
EPS(NY)3.4
Fwd EY5.15%
FCF(TTM)3.01
FCFY4.57%
OCF(TTM)3.25
OCFY4.92%
SpS39.45
BVpS37.04
TBVpS15.43
PEG (NY)N/A
PEG (5Y)0.81
Graham Number45
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8% | ||
| ROE | 13.93% | ||
| ROCE | 7.93% | ||
| ROIC | 6.27% | ||
| ROICexc | 8.98% | ||
| ROICexgc | 25.46% | ||
| OM | 9.62% | ||
| PM (TTM) | 13.08% | ||
| GM | 40.87% | ||
| FCFM | 7.64% |
ROA(3y)2.06%
ROA(5y)1.89%
ROE(3y)3.51%
ROE(5y)4.71%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3Y19.01%
ROICexgc growth 5Y9.35%
ROICexc growth 3Y-9.27%
ROICexc growth 5Y-6.03%
OM growth 3Y43.23%
OM growth 5Y16.51%
PM growth 3Y133.66%
PM growth 5Y8.56%
GM growth 3Y13.77%
GM growth 5Y-1.67%
F-Score7
Asset Turnover0.61
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 4.25 | ||
| Debt/EBITDA | 2.27 | ||
| Cap/Depr | 38.96% | ||
| Cap/Sales | 0.59% | ||
| Interest Coverage | 9.59 | ||
| Cash Conversion | 73.93% | ||
| Profit Quality | 58.41% | ||
| Current Ratio | 2.18 | ||
| Quick Ratio | 2.17 | ||
| Altman-Z | 2.72 |
F-Score7
WACC8.15%
ROIC/WACC0.77
Cap/Depr(3y)42.7%
Cap/Depr(5y)103.65%
Cap/Sales(3y)0.77%
Cap/Sales(5y)1.1%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-21.86%
EPS 3Y25.38%
EPS 5Y33.32%
EPS Q2Q%-38.64%
EPS Next Y-27.45%
EPS Next 2Y0.44%
EPS Next 3Y9.5%
EPS Next 5Y14.3%
Revenue 1Y (TTM)0.47%
Revenue growth 3Y10.95%
Revenue growth 5Y38.62%
Sales Q2Q%2.33%
Revenue Next Year-0.08%
Revenue Next 2Y4.93%
Revenue Next 3Y6.92%
Revenue Next 5Y10.16%
EBIT growth 1Y56.5%
EBIT growth 3Y58.92%
EBIT growth 5Y61.5%
EBIT Next Year182.44%
EBIT Next 3Y61.29%
EBIT Next 5Y22.69%
FCF growth 1Y130.22%
FCF growth 3Y41.91%
FCF growth 5Y30.96%
OCF growth 1Y108.93%
OCF growth 3Y26.28%
OCF growth 5Y29.67%
BLOCK INC / XYZ FAQ
Can you provide the ChartMill fundamental rating for BLOCK INC?
ChartMill assigns a fundamental rating of 5 / 10 to XYZ.
Can you provide the valuation status for BLOCK INC?
ChartMill assigns a valuation rating of 2 / 10 to BLOCK INC (XYZ). This can be considered as Overvalued.
How profitable is BLOCK INC (XYZ) stock?
BLOCK INC (XYZ) has a profitability rating of 6 / 10.
How financially healthy is BLOCK INC?
The financial health rating of BLOCK INC (XYZ) is 6 / 10.