Block, Inc (XYZ) fair value: what the stock is really worth
As of Oct 14, 2026: fair value of Block, Inc $76.95, price $75.85, upside +1.5%, quality 67 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 9, 2026.
How to read this chart
60‑month range $39.22 – $281.81 · fair‑value band $44.83 – $118.62 · the $75.85 price screens below the $76.95 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 9, 2026.
Follow Block in your weekly email
Every Wednesday you see whether Block is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
Block, Inc., together with its subsidiaries, builds ecosystems focused on commerce and financial products and services in the United States and internationally.
Show moreShow less
It operates through two segments: Square and Cash App. The Square segment offers 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. It also offers Square Handheld, a portable point-of sale device for transaction purposes.
The Cash App segment offers financial tools, including peer-to-peer payments, bitcoin, and stock investment brokerage; Cash App Card, a debit card; Cash App Pay, mobile-friendly way for cash app customers to pay at merchants across online and in-person channels; direct deposit, stock brokerage, and tax preparation services; and Afterpay, a buy now, pay later platform.
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 proto.
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.
Stock analysis
Block, Inc (XYZ) currently trades at $75.85, while our model-based Fair Value estimate is $76.95, so the stock looks roughly fairly valued today (gap 1.4%).
Show more
Valuation
Bull case: the Growth DCF group reads highest at a median of $133.78 per share, and 6 of the 11 models we run sit above the $75.85 price.
Bear case: the Asset-Based group reads lowest at $27.51, and 5 of the 11 models stay below the price. Data coverage for this calculation is high.
Scenario range: $44.83 (bear) to $118.62 (bull), the price of $75.85 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 67/100 (solid quality), in the Technology sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Block, Inc reported revenue of $24.2B in FY2025 versus $17.7B in FY2021, a compound +8.2%/yr. Reported net income was $1.3B in FY2025, compounding +67.4%/yr from FY2021.
Key figures
Market cap $46.2B · P/E ratio 132.3 · P/S ratio 7.14 · EPS (TTM) $0.5800 · Net margin 5.4% · Return on equity 1.6% · Return on assets (EBIT) 2.9% · Operating margin 7.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 34 out of 100 (low confidence).
What moves the price
The share trades about 11% below its 52-week high and 55% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Technology peers we cover trades at −25% fair-value upside, at 1%, XYZ screens cheaper than that median.
Fair Value models
Bear$44.83Fair Value $76.95Bull$118.62
Price $75.85 · Upside +1.5%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($0.4576 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.90/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+0.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+11.3%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+20.6%
Start year 2020 (pandemic). Over 10 years: +34.3% a year
Revenue growth 13 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+44.4%
’14
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.
+64.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+64.9%
Dividend (yield on the price)0.0%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.0% → 13%
Growth Forecast
Price in line with expectations
The price assumes less growth than the company has delivered so far and about what analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+11.6%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+9.1%
Yearly sales growth analysts expect, extended to five years.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +9.0% a year for the price and +6.6% for the forecasts.
News mood ⓘNews mood, the average tone of recent news (98 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Positive
Recent news coverage is more positive than average.
AI conclusion: Block shows strength in signing larger merchants to Square for unified commerce across channels, yet its main weakness remains thin evidence and support shortfalls from AI staff cuts that triggered an FTC probe.
Main risk: The FTC probe into frozen accounts and support shortfalls from AI efficiencies risks hitting Block's merchant operations and service reliability in its payments platform.
Block is signing larger merchants such as Pike Place Fish Market to Square for unified commerce across in-person and digital channels. This fits the shift toward complex multi-concept venues backed by recent AI product releases. Yet the same AI efficiencies that cut staff have triggered an FTC probe into frozen accounts and support shortfalls. Will the merchant expansion strengthen operations more than the service issues constrain them?
Price, fair value, quality and upside side by side.
Free, no sign-up
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Software - Infrastructure · 351 stocks
Beats the industry median on 7/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score67 · Top 25%
Fair Value upside+1.5% · Above median
Profitability
Return on equity (12 months)1.6% · Below median
Return on assets3.3% · Above median
Net margin (12 months)1.4% · Below median
Operating margin (12 months)7.0% · Above median
Growth and dividend
Revenue growth9.3% · Below median
Balance sheet
Debt / equity0.30× · Above median
Valuation Multiplesvs Software - Infrastructure median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Block, Inc Fair Value". https://www.fairvalue-calculator.com/stock/XYZ
Frequently asked questions
Is Block, Inc (XYZ) overvalued or undervalued?
As of Oct 9, 2026, our model estimates a fair value of $76.95 versus a price of $75.85, about +1% upside (fairly valued).
What is the fair value of XYZ?
Our model-based fair value for Block, Inc is $76.95 (as of Oct 9, 2026), built from audited fundamentals. The current price: $75.85.
What is the quality score of XYZ?
Block, Inc has a Quality Score of 67/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Block, Inc (XYZ)?
Our model-based price target is the fair value of $76.95 (as of Oct 9, 2026) from 11 valuation models. Cautious scenario $44.83, optimistic scenario $118.62. It is a calculation from audited fundamentals, not an analyst target.
What is the Block, Inc stock forecast for 2026?
Our models put fair value at $76.95, about +1% upside versus a price of $75.85 (fairly valued). Cautious scenario $44.83, optimistic scenario $118.62. The calculation is refreshed regularly with new filings.
What is the revenue of Block, Inc (XYZ)?
Block, Inc reported trailing-twelve-month revenue of about $25.0B (latest available figure, as of Oct 9, 2026).
What growth is priced into Block, Inc (XYZ)?
For today's price to be fair in a discounted-cash-flow model, Block, Inc would have to grow free cash flow by +11.6 % per year for five years (discount rate 11.5 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +20.6 % per year. As of Oct 9, 2026.
What discount rate (WACC) does the fair value of XYZ use?
Our models discount Block, Inc at 11.5 %: a base by market capitalisation (large), damped by beta 2.52, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Block, Inc that is +11.6 % per year a year over ten years, using the same discount rate (11.5 %) and the same formula as our fair value.
How much growth has Block, Inc (XYZ) delivered so far?
Over the past 5 years revenue at Block, Inc grew +20.6 % a year. The price currently implies +11.6 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Block, Inc (XYZ) growing?
The median revenue growth in the sector is +7.5 % a year. That is the yardstick for the growth priced into Block, Inc (+11.6 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Block, Inc (XYZ)?
The free-cash-flow yield on the price is 5.25 %: that much free cash flow Block, Inc produces per unit of market value. When it exceeds the discount rate of our models (11.5 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Block, Inc (XYZ)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Block, Inc it is $76.95 per share (as of Oct 9, 2026), against a price of $75.85. It is the blended result of 11 valuation models (cash flow, earnings, asset, dividend).
Is Block, Inc stock overvalued or undervalued in 2026?
As of Oct 9, 2026, XYZ trades below its calculated fair value: price $75.85, fair value $76.95, a gap of about +1% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of XYZ?
No. The price is what the market pays today ($75.85); the fair value is what the company's own numbers justify ($76.95). For Block, Inc the two are $1.10 per share apart. That gap is exactly why we show both numbers side by side.
How much is Block, Inc worth?
The market values Block, Inc at about $46.2B (market capitalisation, as of Oct 9, 2026). Per share that is $75.85; our models calculate a fair value of $76.95 per share.
What do the bullish and bearish scenarios say about XYZ?
Our models span a range for Block, Inc: cautious scenario $44.83, base $76.95, optimistic $118.62 per share (as of Oct 9, 2026, price $75.85). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of XYZ?
Block, Inc trades at a price-to-earnings ratio of 132.3 (as of Oct 9, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $76.95 is built from several models across several years. Excluding one-off items of fiscal year 2025 it is 32.0 (reported for FY2025: 36.2). Other multiples: PEG 0.6, P/B 2.1, P/S 1.8, EV/EBITDA 26.8.
What is the PEG ratio of XYZ?
The PEG ratio of Block, Inc is 0.57 (P/E divided by earnings growth, as of Oct 9, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Block, Inc (XYZ)?
Balance-sheet figures for Block, Inc (as of Oct 9, 2026): return on equity 1.6%, debt of 0.30 per unit of equity. They feed the Quality Score of 67/100, which measures business quality independently of the share price.
How far is XYZ from its 52-week high?
Block, Inc trades at $75.85, about 11% below its 52-week high of $84.85 and 55% above the low of $49.09 (as of Oct 14, 2026). Distance from the high says nothing about value: that is what the fair value of $76.95 is for.
Which stocks are comparable to Block, Inc?
From the same area (Technology) we also value Microsoft Corporation, Palantir Technologies Inc, Oracle Corporation, CrowdStrike Holdings, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Block, Inc stock attractive at the current price?
The data as of Oct 9, 2026: price $75.85, calculated fair value $76.95 (+1%), Quality Score 67/100, from 11 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of XYZ calculated?
We run Block, Inc through 11 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $76.95, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.7 % above its aggregate fair value. Block, Inc currently trades 1 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Block, Inc (XYZ)?
The closing price on Oct 14, 2026 was $75.85. Our model-based fair value is $76.95, about +1% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Block, Inc right now?
The model range is unusually wide ($44.83 to $118.62). The outcome hinges heavily on assumptions, so read the point estimate with caution. The price sits close to our fair value, market and models broadly agree here, little valuation tension.
Key figures of Block, Inc
How large is the market capitalisation of Block, Inc (XYZ)?
The market capitalisation of Block, Inc is $46.2B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Block, Inc (XYZ)?
The price-to-sales ratio of Block, Inc is 7.14 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Block, Inc (XYZ)?
Earnings per share at Block, Inc are $0.5800 (price ÷ EPS = P/E 132.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Block, Inc (XYZ)?
The net margin of Block, Inc is 5.4% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Block, Inc (XYZ)?
The return on equity (ROE) of Block, Inc is 1.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Block, Inc (XYZ)?
On an EBIT basis the return on assets of Block, Inc is 2.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Block, Inc (XYZ)?
The operating margin of Block, Inc is 7.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Block, Inc (XYZ)?
Revenue at Block, Inc is growing +9.3% versus a year earlier (3y avg +11.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Block, Inc (XYZ)?
Earnings per share at Block, Inc are growing −83.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Block, Inc (XYZ) hold?
Block, Inc holds more cash than debt, $2.4B net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
Free · no account needed
Watch Block, Inc in the live analysis
One click puts Block, Inc on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener.
Broad data
Oct 9, 2026