Block, Inc. Shs Chess Depository Interests Repr 1 Sh (XYZ) AI Stock Analysis

• Market Cap: AU$71.38B
• Dividend Yield: N/A
• Average Volume (3M): 207.60K
• Price to Earnings (P/E): 16.2
• Beta (1Y): 2.07
• Revenue Growth: 2.64%
• EPS Growth: 265.69%
• Country: AU
• Employees: 12,000
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Infrastructure
• EPS (TTM): 0.95
• Shares Outstanding: 549,574,000
• 10 Day Avg. Volume: 237,335
• 30 Day Avg. Volume: 207,604
• PEG Ratio: <0.01
• Price to Book (P/B): 2.53
• Price to Sales (P/S): 2.23
• P/FCF Ratio: 34.66
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: AU$138.00
• Price Target Upside: 20.10% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 63 Neutral
• Price Target: AU$119.00 ▲(3.57% Upside)

The overall stock score of 63 reflects a mixed financial performance with strong profitability but declining revenue growth. Technical indicators suggest a lack of strong momentum, while the valuation appears reasonable. The absence of earnings call data and corporate events limits additional insights.

Block, Inc. Shs Chess Depository Interests Repr 1 Sh Business Overview & Revenue Model

Company Description

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. The Cash App segment offers financial tools within the mobile Cash App, 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. This segment also provides Pay in 4, monthly payment solutions, advertising and affiliate, shop directory, and Cash App Pay services; and business accounts, and Afterpay and Afterpay Plus cards. 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 Spiral, which focuses on bitcoin open source work. It serves businesses, sellers, and individuals through e-commerce and retail distribution channels. 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.

How the Company Makes Money

Block, Inc. makes money through multiple revenue streams, primarily from transaction fees charged to merchants for processing payments through its Square ecosystem. This includes a percentage of each transaction processed via Square's point-of-sale and online payment systems. Another significant source of revenue is the subscription and services-based segment, which includes fees for software solutions that help businesses manage their operations, such as payroll and customer engagement tools. Furthermore, Cash App contributes to revenue by charging fees for instant money transfers, Bitcoin transactions, and offering banking services. Block also generates income through partnerships and collaborations with other financial institutions and technology companies, enhancing its service offerings and market reach.

Block, Inc. Shs Chess Depository Interests Repr 1 Sh Financial Statement Overview

Summary

Block, Inc. shows a mixed financial performance. While profitability metrics are strong, the significant decline in revenue growth is concerning. The balance sheet is robust with low leverage and strong equity returns. Cash flow metrics indicate challenges in cash generation, although the conversion of net income to free cash flow is solid. Overall, the company demonstrates stability but faces growth challenges.

Income Statement

The company has shown a strong gross profit margin of 39.38% in the TTM, indicating efficient cost management. However, the revenue growth rate is negative at -42.2%, suggesting a significant decline in sales. Net profit margin is healthy at 12.41%, reflecting good profitability despite the revenue drop. EBIT and EBITDA margins are moderate, indicating stable operational performance.

Balance Sheet

The debt-to-equity ratio is low at 0.28, indicating a conservative leverage position. Return on equity is strong at 13.95%, showing effective use of equity to generate profits. The equity ratio is 60.12%, suggesting a solid capital structure with a high proportion of equity financing.

Cash Flow

Free cash flow growth is negative at -11.53%, indicating a decline in cash generation. The operating cash flow to net income ratio is low at 0.12, suggesting limited cash flow relative to net income. However, the free cash flow to net income ratio is relatively high at 0.88, indicating that a significant portion of net income is converted into free cash flow.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	23.83B	24.12B	21.92B	17.53B	17.66B	9.50B
Gross Profit	9.39B	8.89B	7.50B	5.99B	4.42B	2.73B
EBITDA	2.16B	2.06B	790.38M	313.25M	554.99M	357.12M
Net Income	2.96B	2.90B	9.77M	-540.75M	166.28M	213.10M
Balance Sheet
Total Assets	36.86B	36.78B	33.03B	31.36B	13.93B	9.87B
Cash, Cash Equivalents and Short-Term Investments	11.72B	12.75B	9.42B	8.81B	8.14B	5.89B
Total Debt	6.12B	7.92B	6.07B	6.33B	5.52B	3.49B
Total Liabilities	14.74B	15.54B	14.34B	14.11B	10.61B	7.19B
Stockholders Equity	22.16B	21.27B	18.70B	17.22B	3.27B	2.68B
Cash Flow
Free Cash Flow	1.06B	1.55B	-50.19M	5.09M	543.51M	270.92M
Operating Cash Flow	1.21B	1.71B	100.96M	175.90M	847.83M	425.09M
Investing Cash Flow	211.47M	649.95M	683.20M	1.23B	-1.31B	-675.77M
Financing Cash Flow	-1.34B	1.95B	-240.14M	97.58M	2.65B	2.58B

Block, Inc. Shs Chess Depository Interests Repr 1 Sh Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 114.90
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:XYZ, the sentiment is Positive. The current price of 114.9 is below the 20-day moving average (MA) of 115.61, below the 50-day MA of 117.10, and above the 200-day MA of 111.30, indicating a neutral trend. The MACD of -0.42 indicates Negative momentum. The RSI at 49.20 is Neutral, neither overbought nor oversold. The STOCH value of 76.84 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AU:XYZ.

Block, Inc. Shs Chess Depository Interests Repr 1 Sh Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
B4P	71 Outperform	107.53M	15.74	―	―	13.74%	70.80%
TYR	64 Neutral	615.89M	34.37	7.85%	―	1.06%	-30.96%
XYZ	63 Neutral	AU$71.38B	16.15	14.51%	―	2.64%	265.69%
MP1	53 Neutral	2.66B	-9,144.44	-0.16%	―	16.28%	-102.98%
SPX	44 Neutral	18.46M	-1.89	―	―	106.21%	-60.61%
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%

Block, Inc. Shs Chess Depository Interests Repr 1 Sh Corporate Events

Block, Inc. Officer Plans Sale of Company Shares

Block, Inc. has announced a proposed sale of securities by Brian Grassadonia, an officer of the company. The sale involves 9,760 shares with an aggregate market value of $744,102.40, scheduled for September 2, 2025, on the NYSE. This move is part of a series of transactions involving restricted stock acquired earlier in 2025, reflecting ongoing financial maneuvers within the company.

The most recent analyst rating on (AU:XYZ) stock is a Buy with a A$130.00 price target. To see the full list of analyst forecasts on Block, Inc. Shs Chess Depository Interests Repr 1 Sh stock, see the AU:XYZ Stock Forecast page.

Block, Inc. Officer to Sell Shares Under Rule 144

Block, Inc. has announced the proposed sale of securities by one of its officers, Dhananjay Prasanna, under Rule 144 of the Securities Act of 1933. The sale involves 900 shares of common stock, with Morgan Stanley Smith Barney LLC facilitating the transaction. This move follows previous sales by Prasanna in August 2025, totaling over 9,000 shares. The announcement highlights ongoing insider transactions, which could impact investor perceptions and market dynamics for Block, Inc.

The most recent analyst rating on (AU:XYZ) stock is a Buy with a A$130.00 price target. To see the full list of analyst forecasts on Block, Inc. Shs Chess Depository Interests Repr 1 Sh stock, see the AU:XYZ Stock Forecast page.

Block, Inc. Reports Changes in Beneficial Ownership by Executive

Block, Inc.’s Chief Accounting Officer, Dale Ajmere, reported changes in beneficial ownership with the sale of Class A Common Stock shares. These transactions were conducted under a pre-established Rule 10b5-1 trading plan, indicating a strategic approach to managing equity holdings. The sales were partly executed to satisfy tax obligations related to the vesting of restricted stock units, reflecting the company’s ongoing financial management practices.

The most recent analyst rating on (AU:XYZ) stock is a Buy with a A$130.00 price target. To see the full list of analyst forecasts on Block, Inc. Shs Chess Depository Interests Repr 1 Sh stock, see the AU:XYZ Stock Forecast page.

Block, Inc. Officer Executes Pre-Planned Stock Sale

Block, Inc. recently reported a transaction involving the sale of Class A Common Stock by Prasanna Dhananjay, an officer of the company, under a pre-established Rule 10b5-1 trading plan. This transaction, executed on August 21, 2025, involved the sale of 5,659 shares at a price of $73.72 per share, reflecting the company’s ongoing compliance with regulatory requirements and strategic financial management.

The most recent analyst rating on (AU:XYZ) stock is a Buy with a A$130.00 price target. To see the full list of analyst forecasts on Block, Inc. Shs Chess Depository Interests Repr 1 Sh stock, see the AU:XYZ Stock Forecast page.