# Block Inc. (XYZ) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Technology / Software. Price $82.76, market value $49.7 billion.

## Valuation
- **P/E (trailing): 147.8×** (5-yr avg 1101.6×, 3-yr avg 1305.7×). Block Inc. trades at 147.8× trailing earnings, well below its own five-year average of 1101.6×: cheap by its own standards. The Technology median in the September 2026 study was 32.1×. Forward P/E is 16.1×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 2.0×**. Each dollar of revenue is priced at 2.0×.
- **Price / book: 2.3×**. The shares trade at 2.3× book value; book value is a meaningful part of the valuation.
- **EV / EBITDA: 32.6×**. Enterprise value is 32.6× operating earnings before depreciation, the multiple that ignores how the company is financed; above 20× is demanding.
- **Free-cash-flow yield: 7.8%** (5-yr avg 1.9%). Free cash flow equals 7.8% of the market value, above its five-year average of 1.9%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 0.7%**. The inverse of the P/E: 0.7% of the price is earned each year.

## Profitability
- **Gross margin: 46.4%**. Block Inc. keeps 46.4% of revenue after the direct cost of what it sells.
- **Operating margin: 4.7%**. 4.7% of revenue is left after running the business, which leaves little cushion in a downturn.
- **Net margin: 5.4%**. 5.4% of each dollar of sales reaches the bottom line.
- **Return on equity: 5.9%**. 5.9% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on invested capital: 4.0%**. Return on all capital, debt included, is 4.0%: close to or below the cost of capital, so growth may not create value.
- **Return on assets: 0.9%**. Each dollar of assets produces 0.9% of profit.

## Growth
- **Revenue growth (1 yr): 0.3%** (3-yr 11.3%/yr, 5-yr 20.6%/yr). Revenue grew 0.3% over the last year, against 20.6% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): -53.9%** (5-yr 36.7%/yr). Earnings per share fell 53.9%, slower than revenue, so margins compressed.
- **Free-cash-flow growth (3 yr): 681.1%/yr**. Free cash flow has compounded at 681.1% a year over three years.

## Financial health
- **Debt to equity: 0.33**. Debt is 0.33 times equity: a conservative balance sheet.
- **Net debt / EBITDA: 0.5×**. It would take 0.5 years of operating earnings to repay net borrowings, within the comfortable range.
- **Altman Z-score: 3.26**. A Z-score of 3.26 places the company in the safe zone for bankruptcy risk.
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.

## Dividends
- **Dividend: none**. Block Inc. does not currently pay a dividend.

## Analyst view
- **Analyst consensus: buy** (41 analysts). 41 analysts cover Block Inc.; the consensus is buy, with an average price target of $98.15 (+19% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 9.3%** (YTD 27.1%, 3-mo 21.4%). The shares are up 9.3% over twelve months including dividends.
- **From 52-week high: -4.8%** (71.7% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 53**. An RSI of 53 is neutral.
- **Beta (1 yr): 1.92** (volatility 47%). Beta of 1.92 against the S&P 500: the shares move much more than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=XYZ · Page: https://foliofundamentals.com/stocks/xyz

Not investment advice.