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BLOCK INC (XYZ) Stock Fundamental Analysis

NYSE:XYZ - New York Stock Exchange, Inc. - US8522341036 - Common Stock - Currency: USD

58.48  +0.01 (+0.02%)

After market: 47.7 -10.78 (-18.43%)

Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to XYZ. XYZ was compared to 101 industry peers in the Financial Services industry. Both the profitability and the financial health of XYZ get a neutral evaluation. Nothing too spectacular is happening here. XYZ is growing strongly while it is still valued neutral. This is a good combination! These ratings could make XYZ a good candidate for growth investing.


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

XYZ had positive earnings in the past year.
In the past year XYZ had a positive cash flow from operations.
XYZ had positive earnings in 4 of the past 5 years.
Each year in the past 5 years XYZ had a positive operating cash flow.
XYZ Yearly Net Income VS EBIT VS OCF VS FCFXYZ Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B

1.2 Ratios

XYZ has a Return On Assets of 7.88%. This is amongst the best in the industry. XYZ outperforms 88.12% of its industry peers.
Looking at the Return On Equity, with a value of 13.62%, XYZ is in the better half of the industry, outperforming 64.36% of the companies in the same industry.
XYZ has a better Return On Invested Capital (4.72%) than 65.35% of its industry peers.
Industry RankSector Rank
ROA 7.88%
ROE 13.62%
ROIC 4.72%
ROA(3y)2.06%
ROA(5y)1.89%
ROE(3y)3.51%
ROE(5y)4.71%
ROIC(3y)N/A
ROIC(5y)N/A
XYZ Yearly ROA, ROE, ROICXYZ Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40

1.3 Margins

XYZ has a Profit Margin (12.01%) which is in line with its industry peers.
XYZ's Profit Margin has improved in the last couple of years.
With a Operating Margin value of 6.99%, XYZ is not doing good in the industry: 66.34% of the companies in the same industry are doing better.
XYZ's Operating Margin has improved in the last couple of years.
XYZ has a Gross Margin of 36.85%. This is comparable to the rest of the industry: XYZ outperforms 53.47% of its industry peers.
In the last couple of years the Gross Margin of XYZ has declined.
Industry RankSector Rank
OM 6.99%
PM (TTM) 12.01%
GM 36.85%
OM growth 3Y43.23%
OM growth 5Y16.51%
PM growth 3Y133.66%
PM growth 5Y8.56%
GM growth 3Y13.77%
GM growth 5Y-1.67%
XYZ Yearly Profit, Operating, Gross MarginsXYZ Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 30 40

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6

2. Health

2.1 Basic Checks

XYZ has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
XYZ has more shares outstanding than it did 1 year ago.
XYZ has more shares outstanding than it did 5 years ago.
The debt/assets ratio for XYZ is higher compared to a year ago.
XYZ Yearly Shares OutstandingXYZ Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M
XYZ Yearly Total Debt VS Total AssetsXYZ Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

2.2 Solvency

An Altman-Z score of 2.67 indicates that XYZ is not a great score, but indicates only limited risk for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 2.67, XYZ belongs to the top of the industry, outperforming 82.18% of the companies in the same industry.
The Debt to FCF ratio of XYZ is 4.88, which is a neutral value as it means it would take XYZ, 4.88 years of fcf income to pay off all of its debts.
XYZ has a Debt to FCF ratio of 4.88. This is in the better half of the industry: XYZ outperforms 66.34% of its industry peers.
XYZ has a Debt/Equity ratio of 0.30. This is a healthy value indicating a solid balance between debt and equity.
XYZ has a Debt to Equity ratio of 0.30. This is in the better half of the industry: XYZ outperforms 62.38% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF 4.88
Altman-Z 2.67
ROIC/WACC0.34
WACC13.95%
XYZ Yearly LT Debt VS Equity VS FCFXYZ Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B 20B

2.3 Liquidity

XYZ has a Current Ratio of 2.33. This indicates that XYZ is financially healthy and has no problem in meeting its short term obligations.
Looking at the Current ratio, with a value of 2.33, XYZ is in the better half of the industry, outperforming 79.21% of the companies in the same industry.
XYZ has a Quick Ratio of 2.33. This indicates that XYZ is financially healthy and has no problem in meeting its short term obligations.
The Quick ratio of XYZ (2.33) is better than 81.19% of its industry peers.
Industry RankSector Rank
Current Ratio 2.33
Quick Ratio 2.33
XYZ Yearly Current Assets VS Current LiabilitesXYZ Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

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8

3. Growth

3.1 Past

XYZ shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 88.27%, which is quite impressive.
The Earnings Per Share has been growing by 33.32% on average over the past years. This is a very strong growth
Looking at the last year, XYZ shows a quite strong growth in Revenue. The Revenue has grown by 10.06% in the last year.
The Revenue has been growing by 38.62% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)88.27%
EPS 3Y25.38%
EPS 5Y33.32%
EPS Q2Q%57.78%
Revenue 1Y (TTM)10.06%
Revenue growth 3Y10.95%
Revenue growth 5Y38.62%
Sales Q2Q%4.5%

3.2 Future

Based on estimates for the next years, XYZ will show a very strong growth in Earnings Per Share. The EPS will grow by 22.41% on average per year.
The Revenue is expected to grow by 10.16% on average over the next years. This is quite good.
EPS Next Y20.76%
EPS Next 2Y23.26%
EPS Next 3Y21.2%
EPS Next 5Y22.41%
Revenue Next Year7.53%
Revenue Next 2Y9.09%
Revenue Next 3Y8.58%
Revenue Next 5Y10.16%

3.3 Evolution

Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
XYZ Yearly Revenue VS EstimatesXYZ Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 10B 20B 30B 40B 50B
XYZ Yearly EPS VS EstimatesXYZ Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 0 5 10 15

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4

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 17.35, XYZ is valued on the expensive side.
Compared to the rest of the industry, the Price/Earnings ratio of XYZ is on the same level as its industry peers.
XYZ's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.85.
A Price/Forward Earnings ratio of 14.37 indicates a correct valuation of XYZ.
The rest of the industry has a similar Price/Forward Earnings ratio as XYZ.
When comparing the Price/Forward Earnings ratio of XYZ to the average of the S&P500 Index (20.77), we can say XYZ is valued slightly cheaper.
Industry RankSector Rank
PE 17.35
Fwd PE 14.37
XYZ Price Earnings VS Forward Price EarningsXYZ Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of XYZ is on the same level as its industry peers.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of XYZ is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 23.32
EV/EBITDA 16.93
XYZ Per share dataXYZ EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

XYZ's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as XYZ's earnings are expected to grow with 21.20% in the coming years.
PEG (NY)0.84
PEG (5Y)0.52
EPS Next 2Y23.26%
EPS Next 3Y21.2%

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0

5. Dividend

5.1 Amount

No dividends for XYZ!.
Industry RankSector Rank
Dividend Yield N/A

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BLOCK INC

NYSE:XYZ (5/1/2025, 8:38:52 PM)

After market: 47.7 -10.78 (-18.43%)

58.48

+0.01 (+0.02%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-20 2025-02-20/amc
Earnings (Next)05-01 2025-05-01/amc
Inst Owners71.38%
Inst Owner ChangeN/A
Ins Owners1.02%
Ins Owner Change7.37%
Market Cap36.23B
Analysts80.82
Price Target88.06 (50.58%)
Short Float %2.95%
Short Ratio1.59
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-9.89%
Min EPS beat(2)-19.6%
Max EPS beat(2)-0.18%
EPS beat(4)2
Avg EPS beat(4)1.75%
Min EPS beat(4)-19.6%
Max EPS beat(4)17.26%
EPS beat(8)5
Avg EPS beat(8)2.84%
EPS beat(12)7
Avg EPS beat(12)5.4%
EPS beat(16)10
Avg EPS beat(16)21.31%
Revenue beat(2)0
Avg Revenue beat(2)-5.13%
Min Revenue beat(2)-5.19%
Max Revenue beat(2)-5.07%
Revenue beat(4)1
Avg Revenue beat(4)-2.96%
Min Revenue beat(4)-5.19%
Max Revenue beat(4)1.33%
Revenue beat(8)5
Avg Revenue beat(8)0.71%
Revenue beat(12)6
Avg Revenue beat(12)-0.02%
Revenue beat(16)8
Avg Revenue beat(16)1.54%
PT rev (1m)-11.99%
PT rev (3m)N/A
EPS NQ rev (1m)-1.97%
EPS NQ rev (3m)-13.6%
EPS NY rev (1m)-2.4%
EPS NY rev (3m)-11.49%
Revenue NQ rev (1m)-0.49%
Revenue NQ rev (3m)-4.43%
Revenue NY rev (1m)-1.41%
Revenue NY rev (3m)-3.43%
Valuation
Industry RankSector Rank
PE 17.35
Fwd PE 14.37
P/S 1.5
P/FCF 23.32
P/OCF 21.22
P/B 1.7
P/tB 4.3
EV/EBITDA 16.93
EPS(TTM)3.37
EY5.76%
EPS(NY)4.07
Fwd EY6.96%
FCF(TTM)2.51
FCFY4.29%
OCF(TTM)2.76
OCFY4.71%
SpS38.94
BVpS34.33
TBVpS13.59
PEG (NY)0.84
PEG (5Y)0.52
Profitability
Industry RankSector Rank
ROA 7.88%
ROE 13.62%
ROCE 5.97%
ROIC 4.72%
ROICexc 6.75%
ROICexgc 19.31%
OM 6.99%
PM (TTM) 12.01%
GM 36.85%
FCFM 6.44%
ROA(3y)2.06%
ROA(5y)1.89%
ROE(3y)3.51%
ROE(5y)4.71%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3Y19.01%
ROICexcg growth 5Y9.35%
ROICexc growth 3Y-9.27%
ROICexc growth 5Y-6.03%
OM growth 3Y43.23%
OM growth 5Y16.51%
PM growth 3Y133.66%
PM growth 5Y8.56%
GM growth 3Y13.77%
GM growth 5Y-1.67%
F-Score6
Asset Turnover0.66
Health
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF 4.88
Debt/EBITDA 3.1
Cap/Depr 40.93%
Cap/Sales 0.64%
Interest Coverage 250
Cash Conversion 82.77%
Profit Quality 53.62%
Current Ratio 2.33
Quick Ratio 2.33
Altman-Z 2.67
F-Score6
WACC13.95%
ROIC/WACC0.34
Cap/Depr(3y)42.7%
Cap/Depr(5y)103.65%
Cap/Sales(3y)0.77%
Cap/Sales(5y)1.1%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)88.27%
EPS 3Y25.38%
EPS 5Y33.32%
EPS Q2Q%57.78%
EPS Next Y20.76%
EPS Next 2Y23.26%
EPS Next 3Y21.2%
EPS Next 5Y22.41%
Revenue 1Y (TTM)10.06%
Revenue growth 3Y10.95%
Revenue growth 5Y38.62%
Sales Q2Q%4.5%
Revenue Next Year7.53%
Revenue Next 2Y9.09%
Revenue Next 3Y8.58%
Revenue Next 5Y10.16%
EBIT growth 1Y341.71%
EBIT growth 3Y58.92%
EBIT growth 5Y61.5%
EBIT Next Year201.23%
EBIT Next 3Y65.74%
EBIT Next 5Y22.69%
FCF growth 1Y3195.04%
FCF growth 3Y41.91%
FCF growth 5Y30.96%
OCF growth 1Y1591.1%
OCF growth 3Y26.28%
OCF growth 5Y29.67%