BLOCK INC (XYZ) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:XYZ • US8522341036

55.97 USD
+2.59 (+4.85%)
At close: Feb 6, 2026
56.2 USD
+0.23 (+0.41%)
After Hours: 2/6/2026, 8:12:25 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Overall XYZ gets a fundamental rating of 5 out of 10. We evaluated XYZ against 97 industry peers in the Financial Services industry. Both the profitability and the financial health of XYZ get a neutral evaluation. Nothing too spectacular is happening here. While showing a medium growth rate, XYZ is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • In the past year XYZ was profitable.
  • XYZ had a positive operating cash flow in the past year.
  • Of the past 5 years XYZ 4 years were profitable.
  • Each year in the past 5 years XYZ had a positive operating cash flow.
XYZ Yearly Net Income VS EBIT VS OCF VS FCFXYZ Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B

1.2 Ratios

  • With an excellent Return On Assets value of 8.00%, XYZ belongs to the best of the industry, outperforming 83.51% 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 72.16% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 6.27%, XYZ is in the better half of the industry, outperforming 69.07% of the companies in the same industry.
Industry RankSector 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
XYZ Yearly ROA, ROE, ROICXYZ Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 -20

1.3 Margins

  • Looking at the Profit Margin, with a value of 13.08%, XYZ is in line with its industry, outperforming 56.70% of the companies in the same industry.
  • In the last couple of years the Profit Margin of XYZ has grown nicely.
  • Looking at the Operating Margin, with a value of 9.62%, XYZ is in line with its industry, outperforming 40.21% 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.
  • In the last couple of years the Gross Margin of XYZ has declined.
Industry RankSector 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%
XYZ Yearly Profit, Operating, Gross MarginsXYZ Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 30 40

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6

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so XYZ is destroying value.
  • XYZ has more shares outstanding than it did 1 year ago.
  • XYZ has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for XYZ is higher compared to a year ago.
XYZ Yearly Shares OutstandingXYZ Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M
XYZ Yearly Total Debt VS Total AssetsXYZ Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

2.2 Solvency

  • An Altman-Z score of 2.47 indicates that XYZ is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • With an excellent Altman-Z score value of 2.47, XYZ belongs to the best of the industry, outperforming 82.47% of the companies in the same industry.
  • 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.
  • Looking at the Debt to FCF ratio, with a value of 4.25, XYZ is in the better half of the industry, outperforming 67.01% of the companies in the same industry.
  • A Debt/Equity ratio of 0.27 indicates that XYZ is not too dependend on debt financing.
  • XYZ has a Debt to Equity ratio of 0.27. This is in the better half of the industry: XYZ outperforms 60.82% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.27
Debt/FCF 4.25
Altman-Z 2.47
ROIC/WACC0.77
WACC8.13%
XYZ Yearly LT Debt VS Equity VS FCFXYZ Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B 20B

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 79.38% 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.
  • The Quick ratio of XYZ (2.17) is better than 80.41% of its industry peers.
Industry RankSector Rank
Current Ratio 2.18
Quick Ratio 2.17
XYZ Yearly Current Assets VS Current LiabilitesXYZ Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

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
  • The Revenue has been growing slightly by 0.47% in the past year.
  • Measured over the past years, XYZ shows a very strong growth in Revenue. The Revenue has been growing by 38.62% on average per year.
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

  • Based on estimates for the next years, XYZ will show a quite strong growth in Earnings Per Share. The EPS will grow by 14.30% on average per year.
  • The Revenue is expected to grow by 10.16% on average over the next years. This is quite good.
EPS Next Y-27.57%
EPS Next 2Y0.46%
EPS Next 3Y9.74%
EPS Next 5Y14.3%
Revenue Next Year-0.24%
Revenue Next 2Y4.84%
Revenue Next 3Y6.85%
Revenue Next 5Y10.16%

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
  • Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
XYZ Yearly Revenue VS EstimatesXYZ Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 10B 20B 30B 40B 50B
XYZ Yearly EPS VS EstimatesXYZ Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 0 5 10

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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 23.03, which indicates a rather expensive current valuation of XYZ.
  • The rest of the industry has a similar Price/Earnings ratio as XYZ.
  • XYZ's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 27.92.
  • With a Price/Forward Earnings ratio of 16.46, XYZ is valued correctly.
  • The rest of the industry has a similar Price/Forward Earnings ratio as XYZ.
  • When comparing the Price/Forward Earnings ratio of XYZ to the average of the S&P500 Index (27.78), we can say XYZ is valued slightly cheaper.
Industry RankSector Rank
PE 23.03
Fwd PE 16.46
XYZ Price Earnings VS Forward Price EarningsXYZ Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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 RankSector Rank
P/FCF 18.57
EV/EBITDA 11.61
XYZ Per share dataXYZ EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • The decent profitability rating of XYZ may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.69
EPS Next 2Y0.46%
EPS Next 3Y9.74%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • XYZ does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

BLOCK INC

NYSE:XYZ (2/6/2026, 8:12:25 PM)

After market: 56.2 +0.23 (+0.41%)

55.97

+2.59 (+4.85%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-06
Earnings (Next)02-26
Inst Owners81.09%
Inst Owner ChangeN/A
Ins Owners1.07%
Ins Owner Change-3.71%
Market Cap34.01B
Revenue(TTM)23.97B
Net Income(TTM)3.14B
Analysts79.17
Price Target85.9 (53.48%)
Short Float %3.56%
Short Ratio2.68
Dividend
Industry RankSector 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)0.38%
PT rev (3m)-4.82%
EPS NQ rev (1m)-0.77%
EPS NQ rev (3m)-11.32%
EPS NY rev (1m)-0.16%
EPS NY rev (3m)-6.4%
Revenue NQ rev (1m)-0.66%
Revenue NQ rev (3m)-3.45%
Revenue NY rev (1m)-0.16%
Revenue NY rev (3m)-1.63%
Valuation
Industry RankSector Rank
PE 23.03
Fwd PE 16.46
P/S 1.42
P/FCF 18.57
P/OCF 17.24
P/B 1.51
P/tB 3.63
EV/EBITDA 11.61
EPS(TTM)2.43
EY4.34%
EPS(NY)3.4
Fwd EY6.08%
FCF(TTM)3.01
FCFY5.39%
OCF(TTM)3.25
OCFY5.8%
SpS39.45
BVpS37.04
TBVpS15.43
PEG (NY)N/A
PEG (5Y)0.69
Graham Number45
Profitability
Industry RankSector 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 RankSector 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 2.47
F-Score7
WACC8.13%
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-27.57%
EPS Next 2Y0.46%
EPS Next 3Y9.74%
EPS Next 5Y14.3%
Revenue 1Y (TTM)0.47%
Revenue growth 3Y10.95%
Revenue growth 5Y38.62%
Sales Q2Q%2.33%
Revenue Next Year-0.24%
Revenue Next 2Y4.84%
Revenue Next 3Y6.85%
Revenue Next 5Y10.16%
EBIT growth 1Y56.5%
EBIT growth 3Y58.92%
EBIT growth 5Y61.5%
EBIT Next Year182.19%
EBIT Next 3Y61.16%
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 3 / 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.