Is Block, Inc. (XYZ) overvalued or fairly valued?

MarketChacha shows Block, Inc.'s valuation in context — a trailing P/E of about 63.3, a forward P/E of about 14.9, a price-to-book of about 2.1 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does Block, Inc.'s reported profit turn into cash?

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash. MarketChacha computes this cash-conversion check (1.04×) from reported figures — education, not a rating.

What is Block, Inc.'s revenue?

Block, Inc. reported revenue of $24.2B for FY2025, with net profit of $1.3B, per official filings.

What is the share price of Block, Inc. (XYZ)?

Block, Inc. last traded at $78.45 (+1.2% on the day), as of 10/20/2026 — a delayed quote shown for education, not investment advice.

Block, Inc.

XYZ · NYSE · Financials · United States

Snapshot

TickerXYZ

ExchangeNYSE

SectorFinancials

IndustrySoftware - Infrastructure

CountryUnited States

Employees10,205

HeadquartersOakland, United States

Websitewww.block.xyz

Filings tracked18

About Block, Inc.

Block, Inc., together with its subsidiaries, builds ecosystems focused on commerce and financial products and services in the United States and internationally. It operates through two segments: Square and Cash App. The Square segment offers managed payment services; software solutions; hardware products, such as registers, terminals, stands, and readers for contactless and chips; banking services consisting of lending, instant transfer, and checking and savings accounts; and full-service setup and support services. This segment also provides loyalty, marketing, team management, and payroll services; and gift cards. It also offers Square Handheld, a portable point-of sale device for transaction purposes. The Cash App segment offers financial tools, including peer-to-peer payments, bitcoin, and stock investment brokerage; Cash App Card, a debit card; Cash App Pay, mobile-friendly way for cash app customers to pay at merchants across online and in-person channels; direct deposit, stock brokerage, and tax preparation services; and Afterpay, a buy now, pay later platform. In addition, the company operates TIDAL, a platform for musicians and fans; TBD, an open developer platform focused on making the decentralized financial world accessible; Bitkey, a self-custody bitcoin wallet; and proto. The company was formerly known as Square, Inc. and changed its name to Block, Inc. in December 2021. Block, Inc. was incorporated in 2009 and is based in Oakland, California.

Who owns it

Insiders1.2%
Institutions84.3%
Public & other14.6%

1,518 institutional holders

Ownership breakdown from public market data.

Top holders

Blackrock Inc.7.69%
Price (T.Rowe) Associates Inc7.35%
Vanguard Capital Management LLC6.46%
Vanguard Portfolio Management LLC4.61%
State Street Corporation4.26%
Capital World Investors3.96%
Morgan Stanley2.80%
Geode Capital Management, LLC2.63%

Largest institutional holders — last updated 6/30/2026.

Forensic scorecard

Latest ROE of 5.9% is on the low side — the business earns a modest return on shareholder capital.

Cash conversion1.04×

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash.

Net margin trend0.0% → 5.4%

Margin has expanded by about 5.4 points — the business is getting more profitable.

Return on equity5.9%

Latest ROE of 5.9% is on the low side — the business earns a modest return on shareholder capital.

Growth qualityrev 5% · PAT 1056%

Profit growth is broadly tracking revenue growth — the earnings trend looks operational rather than one-off.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $6.7B · EPS 1.16

Est. earnings growth +78.3%

Next fiscal year

Rev $29.0B · EPS 5.21

Est. earnings growth +28.5%

Analyst consensus estimates — not the company's own guidance.

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

Revenue (FY2025)

$24.2B

Net margin

5.4%

ROE

5.9%

Revenue CAGR (2y)

+5.1%

Profit CAGR (2y)

+1055.9%

EPS (FY2025)

2.10

Net profit (FY2025)

$1.3B

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Financials

Yearly

Period	Revenue	Net profit	EPS	Net margin	ROE
FY2025	$24.2B	$1.3B	2.10	5.4%	5.9%
FY2024	$24.1B	$2.9B	4.56	12.0%	13.6%
FY2023	$21.9B	$9.8M	0.02	0.0%	0.1%

Quarterly

Period	Revenue	Net profit	EPS	Net margin
2026Q2	$6.6B	$88.5M	0.15	1.3%
2026Q1	$6.1B	$-308.7M	-0.52	-5.1%
2025Q3	$6.1B	$461.5M	0.74	7.5%
2025Q2	$6.1B	$538.5M	0.87	8.9%
2025Q1	$5.8B	$189.9M	0.30	3.3%
2024Q3	$6.0B	$283.8M	0.45	4.7%
2024Q2	$6.2B	$195.3M	0.31	3.2%
2024Q1	$6.0B	$472.0M	0.74	7.9%
2023Q3	$5.6B	$-88.7M	-0.15	-1.6%
2023Q2	$5.5B	$-102.0M	-0.17	-1.8%
2023Q1	$5.0B	$98.3M	0.16	2.0%

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

8-K — Results of operations, Exhibits
SEC8/5/2026material
10-Q filing
SEC8/5/2026
8-K — Shareholder vote results
SEC6/18/2026material
8-K — Executive/director change
SEC6/5/2026material
8-K — Results of operations, Exhibits
SEC5/7/2026material
10-Q filing
SEC5/7/2026
8-K — Executive/director change
SEC5/4/2026material
8-K — Results of operations, Costs from exit/disposal, Exhibits
SEC2/26/2026material
10-K filing
SEC2/26/2026
8-K — Executive/director change
SEC1/23/2026material
8-K — Material agreement, Material financial obligation, Exhibits
SEC1/14/2026material

2025

8-K — Other events
SEC11/19/2025material
8-K — Results of operations, Exhibits
SEC11/6/2025material
10-Q filing
SEC11/6/2025
8-K — Executive/director change
SEC8/21/2025material
8-K — Material agreement, Material financial obligation, Other events, Exhibits
SEC8/18/2025material
8-K — Results of operations, Exhibits
SEC8/7/2025material
10-Q filing
SEC8/7/2025

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed market data) are delayed and shown for reference only. Verify with the linked sources before acting.