Stocktoria
Block, Inc. XYZ
Block, Inc. (XYZ) earns a Piotroski F-score of 5/9 (mixed financial health), with an Altman Z″ in the safe zone. It does not currently pay a dividend. FY2025 revenue was $24.2B at a 5.4% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Beneish M-score: -2.2 — grey zone (between the usual thresholds). A statistical screen for earnings manipulation, not proof — and it doesn't apply to most banks/insurers.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-08-11 | Evercore ISI Group | Outperform (main) |
| 2026-08-07 | Argus Research | Buy (main) |
| 2026-08-06 | TD Cowen | Buy (main) |
| 2026-08-06 | UBS | Buy (main) |
| 2026-08-06 | RBC Capital | Outperform (main) |
| 2026-08-06 | Piper Sandler | Overweight (main) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Forward estimates · earnings calendar →
Consensus analyst estimates and scheduled dates — forward-looking, may change.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Services · percentile among 982 companies
Percentile vs other Services companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″ components · safe zone
| Component | Value |
|---|---|
| Working capital / assets | 0.315 |
| Retained earnings / assets | 0.093 |
| EBIT / assets | 0.043 |
| Equity / liabilities | 1.278 |
Sector peers · similar-size Services companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| XYZ | Block, Inc. | 5/9 | 4 | 34 | +0.3% |
| ADBE | ADOBE INC. | 7/9 | 7.67 | 11.3 | +10.5% |
| INTU | INTUIT INC. | 8/9 | 4.49 | 18.9 | +15.6% |
| NTES | NetEase, Inc. | 4/9 | 10.17 | — | +11.6% |
| NOW | ServiceNow, Inc. | 3/9 | 2.18 | 58 | +20.9% |
| SHOP | SHOPIFY INC. | 5/9 | 12.49 | 123.2 | +30.1% |
| EA | ELECTRONIC ARTS INC. | 5/9 | 3.44 | 58 | +0.9% |
About Block, Inc.
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 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.
FAQ
Is XYZ financially healthy?
Block, Inc.'s Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak), and its Altman Z″ distress score is in the safe zone.
Does XYZ pay a dividend?
No, Block, Inc. does not currently pay a dividend.
How profitable is XYZ?
In FY2025, Block, Inc. had a net margin of 5.4% and a return on equity of 5.9%.
Is XYZ overvalued or undervalued?
Block, Inc. trades at about 37.3× trailing earnings — below its 10-year norm (10-year range 19.9×–3250.5×, median 370.6×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for XYZ?
The average Wall-Street price target for Block, Inc. is $97.03, about 23.9% above the recent price, from 40 analysts (consensus: buy).
Is XYZ a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Block, Inc.: a Piotroski F-score of 5/9, an Altman Z″ in the safe zone, a P/E of about 34.0×. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.