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Block, Inc. (XYZ)
NYSEFinancialsSoftware - InfrastructureSnapshot 2026-06-16
Watch· 1–3 mo
$74.34+6.93%
Close 2026-06-15 · 1-day change
Recent financial performance sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
The bottom line
Recent financial performance is weak, and management's recent track record has been unsteady, with frequent disruptive corporate changes. Earnings quality is robust, cash backs up reported profits, but risk is elevated, and the sector backdrop is a headwind. Peer multiples imply a price roughly in line with where it trades (about fair); the read is fair, but weakening. The company is not currently profitable, so the read leans on sales- and cash-based methods. It is provisional.
as of 2026-06-16
Quick facts
- Exchange
- NYSE
- Sector
- Financials
- Industry
- Software - Infrastructure
- Market cap
- $41.38B
- Employees
- 10,205
- IPO date
- 2015-10-14
- Next earnings
- —
Price
Daily closes. Earnings/event dots are placed inline.
Adjusted daily closes (split & dividend). Scroll over the chart to zoom; click a range to reset.
EarningsMaterial event
What's priced in
(what the market already expects)What it's worth (estimated)
A consensus fair price across 7 valuation methods, at three horizons. Current price $74.34. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
12-month· primaryfull
$70.71consensus
Range $52.74 – $99.92
vs price: +5% above
Method agreement — · 7 methods
No-growth: today's peer multiple on trailing earnings. The headline read.
3-yearinexpensive
$174.60consensus
Range $129.65 – $271.71
vs price: -57% below
Method agreement — · 5 methods
Embeds projected growth. Leans optimistic by design. Upside context.
5-yearinexpensive
How much to trust our fair value
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
Durable premiummedium confidence
At $74 the market pays 28× p/e — above the 14× p/e peer median but in line with its own 30× history. That premium reflects a durable franchise our peer-anchored $78 fair value understates; treat the 'expensive vs peers' read with medium confidence. Analysts: $70–$98. Not investment advice.
Multiple (P/E)
27.9x
peer 14.4x · own history 30.2x
Premium
1.9x peer
0.9x its own history
Growth the price needs
-5%
our forecast 8%
Our fair value
$78.41
range $56.28 – $105.61
Analyst range(a guide on our number, not a target)
How this stock is priced
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
Long-term · 1–3 yr
full12-month view
What's priced inJustified
The price implies about 5% below a flat-multiple fair value, below our forecast of about 8%. This describes what's priced in, not a forecast of the move.
Low fragilityrisk posture, not a price call
Only a turbulent sector regime (Heating) — not the full expensive x weak x turbulent stack.
Historical context
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Compared to peers
How strong is the business
(quality & execution)Factor signals
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Recent financial performance
weakOperating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Financials names rated weak grew net income 56% of the time over the next year (vs 59% for the rest of the cohort, n=3730).
16th pctl · Financials
Earnings quality
robustOver the trailing year it converted 4.23x of net income into operating cash flow. Historically, Financials names rated robust grew net income 62% of the time over the next year (vs 54% for the rest of the cohort, n=3541).
92nd pctl · Financials
Macro sensitivity
Most sensitive to the broad stock market.
- the broad stock market: This stock moves with the broad market (high beta).
Not enough signal to read sensitivity to real (inflation-adjusted) rates, the US dollar, long-term interest rates, Fed net liquidity.
Management & capital allocation
volatileEarnings setup & market context
The next print and the backdrop around it (sector regime and the AI cycle). Context for the path, not a forecast of returns.
Earnings setup · pre-print positioning
forward-looking
Neutral30 analysts, 82% Buyfor period ending 2026-06-30
Why this setup
Consensus revisions
EPS estimate $0.87 → $0.87 (+0.1% / 30d). 25 raised, 3 cut, 30 covering analysts.
Rating actions
0 upgrades, 0 downgrades / 30d, 3 maintained. 82% of analysts rate Buy.
Price target activity
3 PT revisions / 30d. Avg target 22.0% above current price.
Material events
0 positive, 1 negative / 30d. See F4 management tile for the event list.
Sector context
Intermediate · WeeklySector phase: financials is in growth (~3.2 years in phase).
Management scorecard
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Long-term · 1–3 yr
Overall: weak
- Capital allocation
- weak
- Earnings discipline
- weak
- Margin discipline
- weak
- Balance sheet
- neutral
- Post-call reaction
- weak
A guidance track record builds as the company issues and delivers on guidance.
How bumpy is the path
(risk while you hold it)Risk: how this stock moves
What a normal day, a bad day, and the worst of the last year would mean for a $10,000 position.
Intermediate · WeeklyLong-term · 1–3 yr
On a typical day, $10k can swing ±$197.
How much price usually moves either way.
On a bad day, this stock has moved -$496.
A rough but not unusual down day (about the 95th percentile).
In the worst 12 months, $10k could have lost $3,948.
Deepest peak-to-trough drop in the last year.
elevatedas of 2026-06-16
Past results, not a forecast. Not investment advice.
What would change the read
(catalysts & re-read triggers)What changed
The most important moves since the prior daily snapshot.
Short-term · Daily
- label change · valuation_labelsmall change
Valuation label changed from 'fair' to 'full'.
No material changes since the prior snapshot.
as of 2026-06-16
What to watch next
Specific, dated things to watch for, each with what would confirm it and what would prove it wrong.
Long-term · 1–3 yr
- DownsideHigh confidenceQuartersactive 4d
Watch for Q2 Operating Income below $728 million.
Why it matters: This number helps us see how well Block runs its business and makes money.
What confirms / what disproves
Confirms:Q2 Operating Income was reported at less than $728 million.
Disproves:Q2 Adjusted Operating Income is at least $728 million.
Management priorities
News catalysts
Recent news graded against this company's own objectives — whether it reinforces or challenges the thesis, and how confirmed it is.
No graded news catalysts for XYZ yet.
This sector is also watching
- Watch for revenue growth dropping below 10% across major banks
What could change this view
Conditional scenarios: if X happens, the view would shift in this direction. These are not predictions.
Intermediate · Weekly
Upside triggers
No upside scenarios in the latest snapshot.
Downside triggers
No downside scenarios in the latest snapshot.
Recent events
(material 8-K / filing activity)Material updates
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
- 2026-06-0512d agoItem 5.02
Engineering Lead — Arnaud Weber: The Engineering Lead departed the company.
Executive changenegative
Score history
Whether the overall read has been drifting up or down lately, and how it's changed since last week.
-6.3 vs last weeklatest as of 2026-06-16
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.