BLOCK INC (XYZ) Fundamental Analysis & Valuation
NYSE:XYZ • US8522341036
65.99 USD
-1.39 (-2.06%)
Last: Mar 6, 2026, 01:25 PM
This XYZ fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
XYZ gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 97 industry peers in the Financial Services industry. XYZ has an excellent financial health rating, but there are some minor concerns on its profitability. XYZ is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one! These ratings could make XYZ a good candidate for growth investing.
1. XYZ Profitability Analysis
1.1 Basic Checks
- XYZ had positive earnings in the past year.
- XYZ had a positive operating cash flow in the past year.
- XYZ had positive earnings in 4 of the past 5 years.
- Each year in the past 5 years XYZ had a positive operating cash flow.
1.2 Ratios
- XYZ's Return On Assets of 3.30% is fine compared to the rest of the industry. XYZ outperforms 69.07% of its industry peers.
- XYZ has a Return On Equity of 5.88%. This is comparable to the rest of the industry: XYZ outperforms 41.24% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 7.71%, XYZ is in the better half of the industry, outperforming 72.16% of the companies in the same industry.
- XYZ had an Average Return On Invested Capital over the past 3 years of 4.43%. This is below the industry average of 8.35%.
- The last Return On Invested Capital (7.71%) for XYZ is above the 3 year average (4.43%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.3% | ||
| ROE | 5.88% | ||
| ROIC | 7.71% |
ROA(3y)3.74%
ROA(5y)2.12%
ROE(3y)6.52%
ROE(5y)4.3%
ROIC(3y)4.43%
ROIC(5y)N/A
1.3 Margins
- XYZ has a Profit Margin of 5.40%. This is comparable to the rest of the industry: XYZ outperforms 42.27% of its industry peers.
- XYZ's Profit Margin has improved in the last couple of years.
- XYZ has a Operating Margin (12.59%) which is in line with its industry peers.
- XYZ's Operating Margin has improved in the last couple of years.
- XYZ has a Gross Margin of 42.82%. This is in the better half of the industry: XYZ outperforms 64.95% of its industry peers.
- In the last couple of years the Gross Margin of XYZ has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 12.59% | ||
| PM (TTM) | 5.4% | ||
| GM | 42.82% |
OM growth 3YN/A
OM growth 5Y49.73%
PM growth 3YN/A
PM growth 5Y19.19%
GM growth 3Y7.8%
GM growth 5Y8.27%
2. XYZ Health Analysis
2.1 Basic Checks
- The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so XYZ is still creating some value.
- The number of shares outstanding for XYZ has been reduced compared to 1 year ago.
- Compared to 5 years ago, XYZ has more shares outstanding
- XYZ has a worse debt/assets ratio than last year.
2.2 Solvency
- XYZ has an Altman-Z score of 2.78. 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 has a Altman-Z score of 2.78. This is amongst the best in the industry. XYZ outperforms 82.47% of its industry peers.
- The Debt to FCF ratio of XYZ is 3.57, which is a good value as it means it would take XYZ, 3.57 years of fcf income to pay off all of its debts.
- The Debt to FCF ratio of XYZ (3.57) is better than 67.01% of its industry peers.
- A Debt/Equity ratio of 0.30 indicates that XYZ is not too dependend on debt financing.
- With a Debt to Equity ratio value of 0.30, XYZ perfoms like the industry average, outperforming 59.79% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 3.57 | ||
| Altman-Z | 2.78 |
ROIC/WACC1.01
WACC7.67%
2.3 Liquidity
- A Current Ratio of 2.20 indicates that XYZ has no problem at all paying its short term obligations.
- Looking at the Current ratio, with a value of 2.20, XYZ belongs to the top of the industry, outperforming 80.41% of the companies in the same industry.
- A Quick Ratio of 2.19 indicates that XYZ has no problem at all paying its short term obligations.
- XYZ's Quick ratio of 2.19 is amongst the best of the industry. XYZ outperforms 80.41% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.2 | ||
| Quick Ratio | 2.19 |
3. XYZ Growth Analysis
3.1 Past
- The earnings per share for XYZ have decreased strongly by -29.67% in the last year.
- The Earnings Per Share has been growing by 23.65% on average over the past years. This is a very strong growth
- Looking at the last year, XYZ shows a small growth in Revenue. The Revenue has grown by 0.30% in the last year.
- The Revenue has been growing by 20.56% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-29.67%
EPS 3Y33.33%
EPS 5Y23.65%
EPS Q2Q%-8.45%
Revenue 1Y (TTM)0.3%
Revenue growth 3Y11.33%
Revenue growth 5Y20.56%
Sales Q2Q%3.65%
3.2 Future
- Based on estimates for the next years, XYZ will show a very strong growth in Earnings Per Share. The EPS will grow by 29.54% on average per year.
- The Revenue is expected to grow by 10.39% on average over the next years. This is quite good.
EPS Next Y48.93%
EPS Next 2Y40.93%
EPS Next 3Y35.74%
EPS Next 5Y29.54%
Revenue Next Year10.28%
Revenue Next 2Y9.7%
Revenue Next 3Y10.97%
Revenue Next 5Y10.39%
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last 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.
4. XYZ Valuation Analysis
4.1 Price/Earnings Ratio
- XYZ is valuated quite expensively with a Price/Earnings ratio of 27.84.
- Compared to the rest of the industry, the Price/Earnings ratio of XYZ indicates a slightly more expensive valuation: XYZ is more expensive than 65.98% of the companies listed in the same industry.
- XYZ is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 26.69, which is the current average of the S&P500 Index.
- XYZ is valuated rather expensively with a Price/Forward Earnings ratio of 18.70.
- XYZ's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. XYZ is more expensive than 61.86% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 24.79. XYZ is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 27.84 | ||
| Fwd PE | 18.7 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, XYZ is valued a bit cheaper than the industry average as 61.86% of the companies are valued more expensively.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of XYZ is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.39 | ||
| EV/EBITDA | 12.12 |
4.3 Compensation for Growth
- XYZ's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- XYZ has a very decent profitability rating, which may justify a higher PE ratio.
- A more expensive valuation may be justified as XYZ's earnings are expected to grow with 35.74% in the coming years.
PEG (NY)0.57
PEG (5Y)1.18
EPS Next 2Y40.93%
EPS Next 3Y35.74%
5. XYZ Dividend Analysis
5.1 Amount
- No dividends for XYZ!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
XYZ Fundamentals: All Metrics, Ratios and Statistics
NYSE:XYZ (3/6/2026, 1:25:10 PM)
65.99
-1.39 (-2.06%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-26 2026-02-26/amc
Earnings (Next)04-29 2026-04-29/amc
Inst Owners81.09%
Inst Owner ChangeN/A
Ins Owners1.07%
Ins Owner Change-3.31%
Market Cap39.73B
Revenue(TTM)24.19B
Net Income(TTM)1.31B
Analysts80.41
Price Target84.19 (27.58%)
Short Float %3.59%
Short Ratio2.3
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)-10.53%
Min EPS beat(2)-19.86%
Max EPS beat(2)-1.2%
EPS beat(4)0
Avg EPS beat(4)-17.06%
Min EPS beat(4)-36.25%
Max EPS beat(4)-1.2%
EPS beat(8)2
Avg EPS beat(8)-7.66%
EPS beat(12)5
Avg EPS beat(12)-3.8%
EPS beat(16)7
Avg EPS beat(16)-0.21%
Revenue beat(2)0
Avg Revenue beat(2)-2.4%
Min Revenue beat(2)-4.09%
Max Revenue beat(2)-0.71%
Revenue beat(4)0
Avg Revenue beat(4)-4.41%
Min Revenue beat(4)-7.83%
Max Revenue beat(4)-0.71%
Revenue beat(8)1
Avg Revenue beat(8)-3.68%
Revenue beat(12)5
Avg Revenue beat(12)-1%
Revenue beat(16)6
Avg Revenue beat(16)-1.12%
PT rev (1m)-1.96%
PT rev (3m)-1.81%
EPS NQ rev (1m)-6.95%
EPS NQ rev (3m)-9.95%
EPS NY rev (1m)0%
EPS NY rev (3m)-7.5%
Revenue NQ rev (1m)-0.44%
Revenue NQ rev (3m)-0.69%
Revenue NY rev (1m)-0.16%
Revenue NY rev (3m)-1.73%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 27.84 | ||
| Fwd PE | 18.7 | ||
| P/S | 1.64 | ||
| P/FCF | 16.39 | ||
| P/OCF | 15.4 | ||
| P/B | 1.79 | ||
| P/tB | 4.38 | ||
| EV/EBITDA | 12.12 |
EPS(TTM)2.37
EY3.59%
EPS(NY)3.53
Fwd EY5.35%
FCF(TTM)4.03
FCFY6.1%
OCF(TTM)4.28
OCFY6.49%
SpS40.18
BVpS36.88
TBVpS15.07
PEG (NY)0.57
PEG (5Y)1.18
Graham Number44.35
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.3% | ||
| ROE | 5.88% | ||
| ROCE | 10.44% | ||
| ROIC | 7.71% | ||
| ROICexc | 10.23% | ||
| ROICexgc | 25.43% | ||
| OM | 12.59% | ||
| PM (TTM) | 5.4% | ||
| GM | 42.82% | ||
| FCFM | 10.02% |
ROA(3y)3.74%
ROA(5y)2.12%
ROE(3y)6.52%
ROE(5y)4.3%
ROIC(3y)4.43%
ROIC(5y)N/A
ROICexc(3y)6.05%
ROICexc(5y)N/A
ROICexgc(3y)16.79%
ROICexgc(5y)N/A
ROCE(3y)6%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5Y32.73%
ROICexc growth 3YN/A
ROICexc growth 5Y15.49%
OM growth 3YN/A
OM growth 5Y49.73%
PM growth 3YN/A
PM growth 5Y19.19%
GM growth 3Y7.8%
GM growth 5Y8.27%
F-Score6
Asset Turnover0.61
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 3.57 | ||
| Debt/EBITDA | 1.94 | ||
| Cap/Depr | 41.96% | ||
| Cap/Sales | 0.64% | ||
| Interest Coverage | 12.36 | ||
| Cash Conversion | 75.54% | ||
| Profit Quality | 185.71% | ||
| Current Ratio | 2.2 | ||
| Quick Ratio | 2.19 | ||
| Altman-Z | 2.78 |
F-Score6
WACC7.67%
ROIC/WACC1.01
Cap/Depr(3y)39.96%
Cap/Depr(5y)79.17%
Cap/Sales(3y)0.66%
Cap/Sales(5y)0.93%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-29.67%
EPS 3Y33.33%
EPS 5Y23.65%
EPS Q2Q%-8.45%
EPS Next Y48.93%
EPS Next 2Y40.93%
EPS Next 3Y35.74%
EPS Next 5Y29.54%
Revenue 1Y (TTM)0.3%
Revenue growth 3Y11.33%
Revenue growth 5Y20.56%
Sales Q2Q%3.65%
Revenue Next Year10.28%
Revenue Next 2Y9.7%
Revenue Next 3Y10.97%
Revenue Next 5Y10.39%
EBIT growth 1Y80.58%
EBIT growth 3YN/A
EBIT growth 5Y80.52%
EBIT Next Year134.59%
EBIT Next 3Y50.54%
EBIT Next 5Y15.43%
FCF growth 1Y56.09%
FCF growth 3Y681.09%
FCF growth 5Y58.39%
OCF growth 1Y51.09%
OCF growth 3Y144.77%
OCF growth 5Y46.55%
BLOCK INC / XYZ FAQ
Can you provide the ChartMill fundamental rating for BLOCK INC?
ChartMill assigns a fundamental rating of 6 / 10 to XYZ.
Can you provide the valuation status for BLOCK INC?
ChartMill assigns a valuation rating of 4 / 10 to BLOCK INC (XYZ). This can be considered as Fairly Valued.
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 7 / 10.