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XYZ 
Block, Inc (XYZ)
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Upturn Advisory Summary
04/01/2025: XYZ (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -13.93% | Avg. Invested days 30 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 34.33B USD | Price to earnings Ratio 12.15 | 1Y Target Price 91.63 |
Price to earnings Ratio 12.15 | 1Y Target Price 91.63 | ||
Volume (30-day avg) 11483844 | Beta 2.78 | 52 Weeks Range 52.25 - 99.26 | Updated Date 04/2/2025 |
52 Weeks Range 52.25 - 99.26 | Updated Date 04/2/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 4.56 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 12.01% | Operating Margin (TTM) 1.76% |
Management Effectiveness
Return on Assets (TTM) 1.86% | Return on Equity (TTM) 14.36% |
Valuation
Trailing PE 12.15 | Forward PE 12.35 | Enterprise Value 28825448400 | Price to Sales(TTM) 1.42 |
Enterprise Value 28825448400 | Price to Sales(TTM) 1.42 | ||
Enterprise Value to Revenue 1.2 | Enterprise Value to EBITDA 13.97 | Shares Outstanding 559430976 | Shares Floating 553703614 |
Shares Outstanding 559430976 | Shares Floating 553703614 | ||
Percent Insiders 1.24 | Percent Institutions 72.67 |
Analyst Ratings
Rating 4.18 | Target Price 97.33 | Buy 8 | Strong Buy 28 |
Buy 8 | Strong Buy 28 | ||
Hold 10 | Sell - | Strong Sell 3 | |
Strong Sell 3 |
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 started with a small, square-shaped card reader that plugged into smartphones, enabling small businesses to accept card payments. Over time, the company expanded into a suite of financial services and products, rebranding as Block in 2021 to reflect its broader ambitions.
Core Business Areas
- Square: Provides payment processing and point-of-sale solutions for businesses of all sizes, including hardware, software, and financial services.
- Cash App: A mobile payment service that allows users to send and receive money, invest in stocks and Bitcoin, and access banking services through Cash App-linked debit cards.
- Afterpay: A buy now, pay later (BNPL) service that allows customers to split purchases into installments.
- TIDAL: A global music streaming platform with high-fidelity sound, artist exclusives, and personalized experiences.
- Spiral: Builds and funds free and open-source Bitcoin projects.
Leadership and Structure
Jack Dorsey is the Block Head/Chairman/CEO. The company operates with a decentralized organizational structure, empowering teams to innovate independently. Cathy Engelbert and Roelof Botha are Board of Directors members.
Top Products and Market Share
Key Offerings
- Square Point of Sale: A comprehensive point-of-sale (POS) system for businesses, including payment processing, inventory management, and customer relationship management (CRM). Competitors include Shopify POS, Clover, and Toast. Revenue from this product is integrated within Square's overall revenue. Market share is estimated around 15% in the payment processing market (highly fragmented).
- Cash App: A mobile payment app allowing users to send/receive money, invest in stocks/Bitcoin, and use debit cards. Has over 57 million monthly transacting active users. Competitors include PayPal's Venmo and PayPal, and Zelle. Estimated to have 34% of the money transfer market share.
- Afterpay: A buy now, pay later (BNPL) platform integrated into Square's ecosystem. Afterpay has 16.7 million active consumers. Competitors include Klarna, Affirm, and PayPal's Pay in 4. Market share is estimated at approximately 10-15% of the fragmented BNPL market.
Market Dynamics
Industry Overview
The financial technology (fintech) industry is rapidly evolving, driven by increasing demand for digital payment solutions, mobile banking, and alternative lending options. Competition is fierce, with established players and new entrants vying for market share.
Positioning
Block, Inc. is positioned as a disruptor in the fintech industry, offering innovative and user-friendly solutions for businesses and consumers. Its competitive advantage lies in its integrated ecosystem of products and services and its focus on underserved markets.
Total Addressable Market (TAM)
The TAM for digital payments and financial services is estimated to be in the trillions of dollars globally. Block is positioned to capture a significant portion of this TAM through its various business segments.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Integrated ecosystem of products and services
- Innovative culture
- Large user base
- Focus on underserved markets
Weaknesses
- Dependence on transaction volumes
- Exposure to regulatory risks
- Competition from larger players
- Profitability concerns in some segments
- Afterpay integration challenges
Opportunities
- Expansion into new markets
- Development of new products and services
- Increased adoption of digital payments
- Partnerships with other companies
- Leveraging AI and machine learning
Threats
- Increased competition
- Regulatory changes
- Economic downturn
- Security breaches
- Changes in consumer behavior
Competitors and Market Share
Key Competitors
- PYPL
- GDRX
- SOFI
- ADYEY
Competitive Landscape
Block, Inc. faces intense competition from established players and new entrants in the fintech industry. Block's competitive advantage lies in its integrated ecosystem and focus on underserved markets. Its disadvantages include reliance on transaction volume and exposure to regulatory changes.
Major Acquisitions
Afterpay
- Year: 2022
- Acquisition Price (USD millions): 29000
- Strategic Rationale: To expand Block's reach into the buy now, pay later (BNPL) market and integrate BNPL services into its ecosystem.
Growth Trajectory and Initiatives
Historical Growth: Block has experienced rapid growth in revenue and user base since its inception. Growth has been fueled by its innovative products and services and its expansion into new markets.
Future Projections: Analysts project continued growth for Block, driven by increasing adoption of digital payments, the expansion of its ecosystem, and its focus on underserved markets. Growth rate percentages are available from analyst estimates.
Recent Initiatives: Recent initiatives include the integration of Afterpay, the development of new products and services, and expansion into new markets, and increasing focus on Bitcoin and blockchain technologies.
Summary
Block is a moderately strong company in the fintech space, with a strong ecosystem but it faces high competition and regulatory scrutiny. The company's focus on innovation and underserved markets is working well, and Cash App and Square are growing well. Block needs to watch out for increasing competition, regulatory changes, and economic downturn, including competition from other fast growing companies.
Similar Companies
- PYPL
- ADBE
- SHOP
- COIN
- META
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Analyst Reports
- Industry Publications
- Company Investor Relations
Disclaimers:
This analysis is based on available information and is not financial advice. Market conditions and company performance 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 11372 | Website https://www.block.xyz |
Full time employees 11372 | 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. 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.
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