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
10/14/2025: XYZ (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
49 Analysts rated it
Highly popular stock, broad analyst coverage, trusted insights, strong investor interest.
1 Year Target Price $87.92
1 Year Target Price $87.92
| 25 | Strong Buy |
| 10 | Buy |
| 12 | Hold |
| 0 | Sell |
| 2 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 40.66% | Avg. Invested days 44 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/14/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 45.73B USD | Price to earnings Ratio 16.03 | 1Y Target Price 87.92 |
Price to earnings Ratio 16.03 | 1Y Target Price 87.92 | ||
Volume (30-day avg) 49 | Beta 2.71 | 52 Weeks Range 44.27 - 99.26 | Updated Date 10/14/2025 |
52 Weeks Range 44.27 - 99.26 | Updated Date 10/14/2025 | ||
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 - | When - | Estimate - | Actual - |
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 16.03 | Forward PE 20.66 | Enterprise Value 41225233040 | Price to Sales(TTM) 1.92 |
Enterprise Value 41225233040 | Price to Sales(TTM) 1.92 | ||
Enterprise Value to Revenue 1.73 | Enterprise Value to EBITDA 17.08 | Shares Outstanding 549574000 | Shares Floating 543578244 |
Shares Outstanding 549574000 | Shares Floating 543578244 | ||
Percent Insiders 1.2 | Percent Institutions 76.77 |
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. It began with a small, square card reader intended to enable merchants to accept card payments via mobile devices. Over time, the company expanded its offerings to include various financial services and tools for businesses and individuals.
Core Business Areas
- Square: Provides hardware and software solutions that enable sellers to accept payments, manage their businesses, and access financing.
- Cash App: A mobile payment service that allows users to send and receive money, invest in stocks and Bitcoin, and access banking services.
- Afterpay: A buy now, pay later (BNPL) service that allows consumers to make purchases and pay for them in installments.
- TIDAL: A subscription-based music, podcast and video streaming service that combines lossless audio and high-definition music videos with exclusive features and original content
Leadership and Structure
Jack Dorsey is the Block Head (CEO). The company has a functional organizational structure with different teams focusing on specific business segments.
Top Products and Market Share
Key Offerings
- Square Point of Sale: A mobile point-of-sale system used by millions of businesses. Competitors include Shopify POS, Clover, and PayPal Zettle. Market share is estimated to be around 20-25% of the mobile POS market. Revenue is not publicly broken out, but it forms a significant part of the Square ecosystem.
- Cash App: A mobile payment app that offers peer-to-peer payments, investing, and banking services. Competitors include PayPal's Venmo, Apple Pay, and Zelle. Cash App has over 57 million active users (as of Q1 2024). Revenue is generated from transaction fees, subscription services, and Bitcoin sales.
- Afterpay: Buy Now, Pay Later (BNPL) service integrated into Square's ecosystem. Competitors include Klarna, Affirm, and PayPal. While Afterpay's market share varies regionally, it's a significant player in the BNPL market.
Market Dynamics
Industry Overview
The financial technology (fintech) industry is experiencing rapid growth, driven by increasing adoption of digital payments, mobile banking, and e-commerce. Competition is intense, with numerous startups and established companies vying for market share.
Positioning
Block, Inc. is positioned as a leading provider of financial services and tools for small businesses and consumers. Its competitive advantages include its integrated ecosystem, strong brand recognition, and innovative product offerings.
Total Addressable Market (TAM)
The global fintech market is estimated to reach over $1 trillion by 2030. Block, Inc. is well-positioned to capture a significant portion of this TAM by expanding its product offerings and geographic reach.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Integrated ecosystem of products and services
- Innovative product offerings
- Large user base
- Strong presence in the small business market
Weaknesses
- Dependence on transaction fees
- Exposure to regulatory risks
- Competition from larger companies
- Potential for cybersecurity breaches
Opportunities
- Expanding into new markets
- Developing new products and services
- Acquiring complementary businesses
- Increasing adoption of digital payments
- Growth of e-commerce
Threats
- Increased competition
- Regulatory changes
- Economic downturn
- Cybersecurity threats
- Changes in consumer behavior
Competitors and Market Share
Key Competitors
- PYPL
- SHOP
- GDRX
- ADYEY
Competitive Landscape
Block, Inc. faces intense competition from larger companies such as PayPal (PYPL) and Shopify (SHOP). Block, Inc.'s competitive advantages include its integrated ecosystem and strong brand recognition. Disadvantages include its reliance on transaction fees and exposure to regulatory risks.
Major Acquisitions
Afterpay
- Year: 2022
- Acquisition Price (USD millions): 29000
- Strategic Rationale: Expanded Block, Inc.'s reach into the BNPL market, enhancing its ecosystem and providing new opportunities for growth.
Growth Trajectory and Initiatives
Historical Growth: Block, Inc. has experienced significant growth in revenue and user base over the past years, driven by the adoption of digital payments and the expansion of its product offerings.
Future Projections: Analysts project continued growth for Block, Inc., driven by expansion into new markets, the development of new products and services, and the increasing adoption of digital payments.
Recent Initiatives: Recent strategic initiatives include expanding Cash App's features, integrating Afterpay into the Square ecosystem, and investing in new technologies such as blockchain.
Summary
Block, Inc. exhibits a strong market position with its integrated ecosystem and high brand recognition, mainly around the Square product and Cash App. Its revenue growth is consistent, however, fluctuations in the net income are a thing to watch out for in the coming months. Block needs to be mindful of regulatory changes and cybersecurity. By continuously innovating and focusing on strategic acquisitions, it is expected that the company will continue to capitalize on the expanding fintech market.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Investor Relations
- Third-party Market Research Reports
- Analyst Reports
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Investment decisions should be based on your own due diligence and risk tolerance. Market data and analysis 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.