Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
- About
XYZ 
Block, Inc (XYZ)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
08/14/2025: XYZ (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
49 Analysts rated it
Highly popular stock, broad analyst coverage, trusted insights, strong investor interest.
1 Year Target Price $86.88
1 Year Target Price $86.88
| 25 | Strong Buy |
| 10 | Buy |
| 12 | Hold |
| 0 | Sell |
| 2 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 48% | Avg. Invested days 39 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 46.35B USD | Price to earnings Ratio 16.25 | 1Y Target Price 86.88 |
Price to earnings Ratio 16.25 | 1Y Target Price 86.88 | ||
Volume (30-day avg) 49 | Beta 2.71 | 52 Weeks Range 44.27 - 99.26 | Updated Date 08/15/2025 |
52 Weeks Range 44.27 - 99.26 | Updated Date 08/15/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 4.68 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2025-08-07 | When - | Estimate 0.67 | Actual 0.62 |
Profitability
Profit Margin 12.41% | Operating Margin (TTM) 8.18% |
Management Effectiveness
Return on Assets (TTM) 2.16% | Return on Equity (TTM) 14.16% |
Valuation
Trailing PE 16.25 | Forward PE 22.22 | Enterprise Value 40755853360 | Price to Sales(TTM) 1.94 |
Enterprise Value 40755853360 | Price to Sales(TTM) 1.94 | ||
Enterprise Value to Revenue 1.71 | Enterprise Value to EBITDA 16.89 | Shares Outstanding 549574016 | Shares Floating 543694065 |
Shares Outstanding 549574016 | Shares Floating 543694065 | ||
Percent Insiders 1.21 | Percent Institutions 69.97 |
Upturn AI SWOT
Block, Inc
Company Overview
History and Background
Block, Inc., formerly Square, Inc., was founded in 2009 by Jack Dorsey and Jim McKelvey. Initially focused on providing mobile payment solutions for small businesses, the company has grown into a diversified financial services and digital payments provider. It went public in 2015 and rebranded as Block, Inc. in 2021 to reflect its broader ambitions.
Core Business Areas
- Square: Provides payment processing, point-of-sale software, and hardware solutions for businesses of all sizes.
- Cash App: A mobile payment service allowing users to send, spend, and invest money.
- Afterpay: A buy now, pay later (BNPL) service integrated with Square's merchant ecosystem and available through Cash App.
- TIDAL: A global music streaming platform offering high-fidelity audio and curated content.
- Spiral: An initiative focused on building and funding open-source Bitcoin projects.
Leadership and Structure
Jack Dorsey is the founder and CEO. The company operates with a decentralized structure, empowering various teams to innovate within their respective business areas.
Top Products and Market Share
Key Offerings
- Square Point of Sale: A comprehensive suite of hardware and software solutions for businesses to accept payments, manage inventory, track sales, and engage with customers. Square has a significant market share in the small business payment processing space, with estimates ranging from 15-20% in the US. Competitors include Clover (FIS), Shopify POS, and PayPal Zettle.
- Cash App: A mobile payment app that allows users to send, spend, and invest money. It also offers debit cards, direct deposit, and Bitcoin trading. Cash App has a large user base, estimated at over 50 million active users. Competitors include PayPal (PYPL) Venmo, Apple Pay, and Zelle.
- Afterpay: Buy now, pay later service. Competitors include Affirm, Klarna, and PayPal.
Market Dynamics
Industry Overview
The financial technology (fintech) industry is rapidly evolving, driven by increasing demand for digital payment solutions, mobile banking, and alternative lending. The industry is highly competitive, with established players and innovative startups vying for market share.
Positioning
Block, Inc. is positioned as a leading innovator in the fintech space, particularly in the areas of small business payment processing and peer-to-peer payments. Its competitive advantages include its strong brand recognition, large user base, and integrated ecosystem of products and services.
Total Addressable Market (TAM)
The global fintech market is expected to reach trillions of dollars in value. Block, Inc. is positioned to capture a significant share of this market through its diverse offerings and focus on underserved segments of the population.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Large user base
- Integrated ecosystem of products and services
- Innovative culture
- Mobile-first approach
Weaknesses
- Reliance on transaction fees
- Exposure to regulatory risks
- Competition from established players
- Dependence on Jack Dorsey
- Profitability challenges with some business units
Opportunities
- Expansion into new markets
- Development of new products and services
- Partnerships with other companies
- Growing adoption of digital payments
- Increased demand for BNPL services
Threats
- Increased competition
- Economic downturn
- Regulatory changes
- Cybersecurity threats
- Fraud
Competitors and Market Share
Key Competitors
- PYPL
- FIS
- SHOP
- GDRX
Competitive Landscape
Block, Inc. competes with a variety of companies in the fintech space, including established players like PayPal and FIS, as well as emerging startups. Block, Inc.'s advantages include its focus on small businesses, its integrated ecosystem, and its innovative culture. Disadvantages include its reliance on transaction fees and its exposure to regulatory risks.
Major Acquisitions
Afterpay
- Year: 2022
- Acquisition Price (USD millions): 29000
- Strategic Rationale: Expanded BNPL offerings, integrated into Square and Cash App ecosystems, reaching new customers and merchants.
Growth Trajectory and Initiatives
Historical Growth: Block, Inc. has experienced rapid growth in recent years, driven by its innovative products and expanding user base.
Future Projections: Analysts project continued revenue growth for Block, Inc., driven by the increasing adoption of digital payments and the company's expansion into new markets and product categories.
Recent Initiatives: Recent strategic initiatives include the integration of Afterpay, the expansion of Cash App's features, and investments in Bitcoin and blockchain technology.
Summary
Block, Inc. is a strong player in the fintech industry with a focus on payment solutions and a broad range of services. They have shown rapid growth, but are facing competition and regulatory risk. Integrating Afterpay and innovating new products is working well, but they need to navigate a volatile market and economic downturns.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Analyst Reports
- Industry Publications
- Market Research Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Block, Inc
Exchange NYSE | Headquaters Oakland, CA, United States | ||
IPO Launch date 2015-11-19 | CEO - | ||
Sector Technology | Industry Software - Infrastructure | Full time employees 12000 | Website https://www.block.xyz |
Full time employees 12000 | Website https://www.block.xyz | ||
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 commerce products for restaurants, appointments, retail, point of sale, online, online checkout, and invoices, as well as virtual terminals, risk and order managers, and payment and commerce application programming interfaces; 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; direct deposit, cash boost, 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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.