BLOCK INC (XYZ) Stock Fundamental Analysis
USA - NYSE:XYZ - US8522341036 - Common Stock
73.92 USD
-2.59 (-3.39%)
74.89 USD
+0.97 (+1.31%)
Overall XYZ gets a fundamental rating of 5 out of 10. We evaluated XYZ against 99 industry peers in the Financial Services industry. XYZ has only an average score on both its financial health and profitability. XYZ is valied quite expensively at the moment, while it does show a decent growth rate.
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.
In the past 5 years XYZ always reported a positive cash flow from operatings.
1.2 Ratios
XYZ's Return On Assets of 8.03% is amongst the best of the industry. XYZ outperforms 84.85% of its industry peers.
The Return On Equity of XYZ (13.35%) is better than 69.70% of its industry peers.
XYZ's Return On Invested Capital of 6.05% is fine compared to the rest of the industry. XYZ outperforms 68.69% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.03% | ||
| ROE | 13.35% | ||
| ROIC | 6.05% |
ROA(3y)2.06%
ROA(5y)1.89%
ROE(3y)3.51%
ROE(5y)4.71%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
XYZ's Profit Margin of 12.41% is in line compared to the rest of the industry. XYZ outperforms 59.60% of its industry peers.
In the last couple of years the Profit Margin of XYZ has grown nicely.
XYZ has a Operating Margin (8.60%) which is comparable to the rest of the industry.
In the last couple of years the Operating Margin of XYZ has grown nicely.
XYZ has a Gross Margin of 39.38%. This is comparable to the rest of the industry: XYZ outperforms 56.57% of its industry peers.
XYZ's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 8.6% | ||
| PM (TTM) | 12.41% | ||
| GM | 39.38% |
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%
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.
Compared to 5 years ago, XYZ has more shares outstanding
XYZ has a worse debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 3.17 indicates that XYZ is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 3.17, XYZ belongs to the top of the industry, outperforming 82.83% of the companies in the same industry.
The Debt to FCF ratio of XYZ is 5.49, which is a neutral value as it means it would take XYZ, 5.49 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 5.49, XYZ is doing good in the industry, outperforming 65.66% of the companies in the same industry.
XYZ has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.19, XYZ is in the better half of the industry, outperforming 68.69% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 5.49 | ||
| Altman-Z | 3.17 |
ROIC/WACC0.75
WACC8.11%
2.3 Liquidity
A Current Ratio of 1.96 indicates that XYZ should not have too much problems paying its short term obligations.
XYZ's Current ratio of 1.96 is fine compared to the rest of the industry. XYZ outperforms 73.74% of its industry peers.
XYZ has a Quick Ratio of 1.94. This is a normal value and indicates that XYZ is financially healthy and should not expect problems in meeting its short term obligations.
XYZ has a better Quick ratio (1.94) than 73.74% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.96 | ||
| Quick Ratio | 1.94 |
3. Growth
3.1 Past
XYZ shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -0.36%.
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 small growth in Revenue. The Revenue has grown by 1.41% in the last year.
Measured over the past years, XYZ shows a very strong growth in Revenue. The Revenue has been growing by 38.62% on average per year.
EPS 1Y (TTM)-0.36%
EPS 3Y25.38%
EPS 5Y33.32%
EPS Q2Q%-33.33%
Revenue 1Y (TTM)1.41%
Revenue growth 3Y10.95%
Revenue growth 5Y38.62%
Sales Q2Q%-1.64%
3.2 Future
XYZ is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 14.30% yearly.
XYZ is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.16% yearly.
EPS Next Y-22.61%
EPS Next 2Y4.02%
EPS Next 3Y10.9%
EPS Next 5Y14.3%
Revenue Next Year1.41%
Revenue Next 2Y5.59%
Revenue Next 3Y6.98%
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.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
XYZ is valuated quite expensively with a Price/Earnings ratio of 26.69.
66.67% of the companies in the same industry are cheaper than XYZ, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.19. XYZ is around the same levels.
XYZ is valuated rather expensively with a Price/Forward Earnings ratio of 20.27.
XYZ's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. XYZ is more expensive than 61.62% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of XYZ to the average of the S&P500 Index (22.50), we can say XYZ is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.69 | ||
| Fwd PE | 20.27 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as XYZ.
XYZ's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 42.53 | ||
| EV/EBITDA | 18.76 |
4.3 Compensation for Growth
The decent profitability rating of XYZ may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.8
EPS Next 2Y4.02%
EPS Next 3Y10.9%
5. Dividend
5.1 Amount
XYZ does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
73.92
-2.59 (-3.39%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners75.03%
Inst Owner ChangeN/A
Ins Owners1.03%
Ins Owner Change-3.52%
Market Cap45.06B
Revenue(TTM)23.83B
Net Income(TTM)2.96B
Analysts76.67
Price Target89.71 (21.36%)
Short Float %3.9%
Short Ratio3.57
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-23.6%
Min EPS beat(2)-36.25%
Max EPS beat(2)-10.95%
EPS beat(4)0
Avg EPS beat(4)-16.74%
Min EPS beat(4)-36.25%
Max EPS beat(4)-0.18%
EPS beat(8)3
Avg EPS beat(8)-5.98%
EPS beat(12)6
Avg EPS beat(12)2.16%
EPS beat(16)8
Avg EPS beat(16)2.2%
Revenue beat(2)0
Avg Revenue beat(2)-6.41%
Min Revenue beat(2)-7.83%
Max Revenue beat(2)-5%
Revenue beat(4)0
Avg Revenue beat(4)-5.77%
Min Revenue beat(4)-7.83%
Max Revenue beat(4)-5%
Revenue beat(8)3
Avg Revenue beat(8)-2.77%
Revenue beat(12)5
Avg Revenue beat(12)-0.64%
Revenue beat(16)7
Avg Revenue beat(16)-1.82%
PT rev (1m)1.67%
PT rev (3m)22.64%
EPS NQ rev (1m)-1.46%
EPS NQ rev (3m)-9.77%
EPS NY rev (1m)-0.7%
EPS NY rev (3m)-4.68%
Revenue NQ rev (1m)0.25%
Revenue NQ rev (3m)-0.48%
Revenue NY rev (1m)0.09%
Revenue NY rev (3m)-0.93%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.69 | ||
| Fwd PE | 20.27 | ||
| P/S | 1.89 | ||
| P/FCF | 42.53 | ||
| P/OCF | 37.36 | ||
| P/B | 2.03 | ||
| P/tB | 5.02 | ||
| EV/EBITDA | 18.76 |
EPS(TTM)2.77
EY3.75%
EPS(NY)3.65
Fwd EY4.93%
FCF(TTM)1.74
FCFY2.35%
OCF(TTM)1.98
OCFY2.68%
SpS39.1
BVpS36.35
TBVpS14.72
PEG (NY)N/A
PEG (5Y)0.8
Graham Number47.6
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.03% | ||
| ROE | 13.35% | ||
| ROCE | 7.65% | ||
| ROIC | 6.05% | ||
| ROICexc | 8.1% | ||
| ROICexgc | 23.75% | ||
| OM | 8.6% | ||
| PM (TTM) | 12.41% | ||
| GM | 39.38% | ||
| FCFM | 4.44% |
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
ROICexgc growth 3Y19.01%
ROICexgc 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-Score8
Asset Turnover0.65
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 5.49 | ||
| Debt/EBITDA | 1.71 | ||
| Cap/Depr | 40.44% | ||
| Cap/Sales | 0.62% | ||
| Interest Coverage | 8.31 | ||
| Cash Conversion | 49.99% | ||
| Profit Quality | 35.81% | ||
| Current Ratio | 1.96 | ||
| Quick Ratio | 1.94 | ||
| Altman-Z | 3.17 |
F-Score8
WACC8.11%
ROIC/WACC0.75
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)-0.36%
EPS 3Y25.38%
EPS 5Y33.32%
EPS Q2Q%-33.33%
EPS Next Y-22.61%
EPS Next 2Y4.02%
EPS Next 3Y10.9%
EPS Next 5Y14.3%
Revenue 1Y (TTM)1.41%
Revenue growth 3Y10.95%
Revenue growth 5Y38.62%
Sales Q2Q%-1.64%
Revenue Next Year1.41%
Revenue Next 2Y5.59%
Revenue Next 3Y6.98%
Revenue Next 5Y10.16%
EBIT growth 1Y82.02%
EBIT growth 3Y58.92%
EBIT growth 5Y61.5%
EBIT Next Year187.09%
EBIT Next 3Y61.68%
EBIT Next 5Y22.69%
FCF growth 1Y229.37%
FCF growth 3Y41.91%
FCF growth 5Y30.96%
OCF growth 1Y157.29%
OCF growth 3Y26.28%
OCF growth 5Y29.67%
BLOCK INC / XYZ FAQ
Can you provide the ChartMill fundamental rating for BLOCK INC?
ChartMill assigns a fundamental rating of 5 / 10 to XYZ.
What is the valuation status for XYZ stock?
ChartMill assigns a valuation rating of 2 / 10 to BLOCK INC (XYZ). This can be considered as Overvalued.
How profitable is BLOCK INC (XYZ) stock?
BLOCK INC (XYZ) has a profitability rating of 6 / 10.
Can you provide the financial health for XYZ stock?
The financial health rating of BLOCK INC (XYZ) is 5 / 10.
What is the earnings growth outlook for BLOCK INC?
The Earnings per Share (EPS) of BLOCK INC (XYZ) is expected to decline by -22.61% in the next year.