XYZ
Block, Inc.
$73.07
▼ 2.3%Updated Today 7:15 PM ET
▲ Up 18.5% over the last 12 months
Market Cap
$44.45B
P/E
55.15x
Forward P/E (est.)
78.78x
ROE
3.6%
Revenue Growth
2.3%
EPS Growth
-68.7%
Profit Margin
3.3%
FCF Yield
—
Debt / Equity
0.39x
ROIC
5.0%
Interest Coverage
29.4x
Current Ratio
1.99x
Dividend Yield
—
Implied Growth (rev. DCF)
3.4%
Rating Score
25/100
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what XYZ's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. XYZ trades near $73.07, above its 50-day average ($70.57) and 200-day average ($67.30). Price above both averages, with the shorter one above the longer, is the textbook definition of an uptrend — momentum favours buyers.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 48 it is in neutral territory — neither stretched nor washed out.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. XYZ's is $3.15 (~4.3% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month XYZ found buyers near $65.46 (support) and sellers near $77.62 (resistance); its 52-week range is $48.21–$82.50. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 1.4× the 20-day average — heavier than usual, which adds conviction to the move. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
Block, Inc. (XYZ) is a large-cap company in the Transaction & Payment Processing Services industry, part of the Financials sector of the S&P 500, with a market value around $44.45B.
In its latest reported year it generated about $24.19B in revenue and $1.31B in net profit.
Our model rates XYZ Weak (25/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
4Y CAGR
8.2%
Revenue moved from $17.66B in 2021 to $24.19B in 2025, a 8.2% compound annual growth rate. The most recent year was roughly flat (2.3%) year over year. Slower, mature growth is common for established businesses.
Gross Margin
42.8%
Operating Margin
7.1%
Net Margin
5.4%
ROE
3.6%
Block, Inc. keeps about 3.3% of each sales dollar as net profit, with a 42.8% gross margin and 7.1% operating margin. Return on equity is 3.6% and return on invested capital about 5.0%. Thin margins leave less cushion if costs rise.
Total Debt
$7.29B
Net Debt
$434.16M
Net Debt / EBITDA
0.25x
Debt / Equity
0.39x
Leverage: debt-to-equity is 0.4x, and operating profit covers interest about 29.4x, with a current ratio of 2.0x. That is a conservative balance sheet — a cushion in downturns. It carries roughly $7.29B of total debt against $6.86B of cash.
Operating CF
$2.58B
Free Cash Flow
$2.42B
FCF Margin
10.0%
In the latest year Block, Inc. produced about $2.58B of operating cash flow and $2.42B of free cash flow after capital spending. Cash flow is what ultimately pays shareholders, so it is worth tracking over time.
P/E
55.15x
P/S
1.84x
P/B
1.78x
EV / EBITDA
21.9x
XYZ trades at 55.1x trailing earnings (about 78.8x on estimated forward earnings), 1.8x sales, and 1.8x book value. Reverse-engineering today's price implies the market expects roughly 3.4% long-term free-cash-flow growth. That is a rich multiple that prices in a lot of future growth.
Where this stock sits versus what most companies trade at.
Typical ranges are general references (e.g., many stocks trade at ~18–26x earnings), not hard rules. Context only — not investment advice.
How XYZ stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (76 S&P 500 companies), XYZ ranks #74 of 76 by our overall rating. It trades at a premium versus the sector on earnings (55.1x P/E vs. 15.2x median) with a lower return on equity (3.6% vs. 15.3%) and slower revenue growth (2.3% vs. 9.1%).
P/E vs sector
55.1x
median 15.2x
ROE vs sector
3.6%
median 15.3%
Growth vs sector
2.3%
median 9.1%
Sector rank
#74
of 76 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 76 S&P 500 names in the sector. Educational, not a recommendation.
The case for XYZ:
- A conservative balance sheet (debt/equity 0.4x) lowers risk.
- As an established S&P 500 member in Financials, it brings scale and a long operating history.
The case against XYZ:
- Revenue growth is slow (2.3%), limiting the upside engine.
- Thin net margins (3.3%) leave little room for error.
- A rich 55.1x earnings multiple prices in a lot of growth.
- Our model's overall read is Weak (25/100).
Valuation risk — at 55.1x earnings, disappointing results could compress the multiple.
Growth risk — sluggish revenue (2.3%) leaves little margin for execution missteps.
Margin risk — thin profitability (3.3%) is vulnerable to cost or pricing pressure.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the fundamentals screen weakly: Block, Inc. is a large-cap financials business growing at a mature pace, with modest profitability, and a sound balance sheet. It trades at 55.1x earnings, which our model scores Weak (25/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.