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Block, Inc (0L95) fair value: what the stock is really worth

As of Oct 2, 2026: fair value of Block, Inc $126, price $74.35, upside +69.2%, quality 63 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? Yes
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GB · ISIN US8522341036

BI Broad data Sep 24, 2026

Block, Inc

0L95 · LSE

Clearly undervaluedStrong Fair Value upside, but quality is only moderate.

✓Fair value $125.79 · Strongly undervalued (+69.2%)
✓Quality 63/100
✓Healthy Growth (revenue 5y +20.6 %/yr)
!Thin margins · 3.3% net margin (TTM)
✓generates free cash flow
!Narrow moat 19/100

What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$88.23 $48.69 Fair Value $125.79 Dec 2025 Oct 2026

White line = price, green steps = our fair value per fiscal year. As of Sep 24, 2026.

How to read this chart

10‑month range $48.69 – $88.23 · fair‑value band $84.20 – $167.58 · the $74.35 price screens below the $125.79 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Sep 24, 2026.

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Company profile

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.

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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.

Stock analysis

Block, Inc (0L95) currently trades at $74.35, while our model-based Fair Value estimate is $125.79, implying the stock looks roughly 40.9% undervalued today.

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Valuation

Bull case: the DCF Models group reads highest at a median of $156.25 per share, and 17 of the 24 models we run sit above the $74.35 price.

Bear case: the Asset-Based group reads lowest at $35.98, and 7 of the 24 models stay below the price. Evidence for this calculation is high.

Scenario range: $84.20 (bear) to $167.58 (bull), the price of $74.35 sits below 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 63/100 (solid quality).

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 +67.3%/yr from FY2021.

Key figures

Market cap $46.3B · EPS (TTM) $−0.1670 · Net margin 5.4% · Return on equity 3.7% · Return on assets (EBIT) 1.1% · Operating margin −2.6% · Revenue (TTM) $24.5B · Revenue growth (YoY) +4.9%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).

Fair Value models

Bear $84.20 Fair Value $125.79 Bull $167.58
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. 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. Evidence ⓘEvidence = 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.
Highest evidence
FCF DCF $124.53 $176.94 $340.35 75
Growth DCF $118.62 $201.02 $333.76 73
5Y EBITDA Exit $91.35 $133.24 $215.08 71
All 24 models by family
DCF Models
FCF DCF $124.53 $176.94 $340.35 75
Owner Earnings $85.55 $156.25 $299.22 70
5Y Revenue Exit $84.92 $120.23 $193.57 69
5Y EBITDA Exit $91.35 $133.24 $215.08 71
5Y P/E Exit $90.11 $155.07 $241.48 67
10Y Revenue Exit $96.10 $162.37 $199.65 65
10Y EBITDA Exit $102.32 $175.91 $298.40 64
10Y P/E Exit $101.43 $173.29 $286.49 60
Earnings-Based
Graham-Dodd $21.45 $149.57 $209.90 63
Lynch FV $68.47 $97.81 $127.15 61
PEG = 1.0 $68.47 $97.81 $127.15 57
EPV $56.49 $61.09 $65.05 70
Multiples
P/E Multiple $47.31 $63.08 $78.85 63
P/S Multiple $40.21 $53.62 $67.02 58
P/B Multiple $40.21 $53.62 $67.02 55
EV/EBIT $83.19 $101.78 $120.38 63
EV/EBITDA $76.41 $92.74 $109.08 64
EV/Revenue $65.01 $81.13 $97.24 52
Asset-Based
NCAV (Graham) $26.85 $35.98 $53.70 51
Growth DCF
Growth DCF $118.62 $201.02 $333.76 73
Rev-Margin DCF $88.90 $133.69 $224.56 68
Economic Profit
Residual Income $41.53 $42.47 $45.63 71
ROIC Compounder $60.11 $72.57 $84.34 70
Growth Earnings
Growth-Adj P/E $90.24 $128.91 $167.58 67

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Quality Score breakdown

Overall quality 63/100

Of which business quality 67 · Market factors (momentum, volatility) 41

Profitability 37
Margins and returns on capital today
Quality Growth 44
Are margins and returns improving?
Cashflow 73
Earnings quality: real cash, not paper profit
Fin. Strength 95
Balance sheet, leverage, solvency risk
Investment 72
Disciplined investing over empire-building
Low Volatility 0
Calm price path (market factor)
Momentum 56
Price trend over the last 3–12 months (market factor)
52W Momentum 60
Distance to the 52-week high (market factor)
Net Issuance 79
Share count: buybacks or dilution?

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Revenue & earnings trend

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%
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.
+36.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+36.5%
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% → 7%

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).
+9.9%
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.
+9.4%
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 +7.3% a year for the price and +6.8% for the forecasts.
Forecast 2026 (sales)+7.9%
Forecast 2027 (sales)+11.5%
Projected 2028 (sales)+10.3%
Projected 2029 (sales)+9.2%
Projected 2030 (sales)+8.0%

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Block, Inc · Fair Value
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Cite: Fair Value Calculator (2026). "Block, Inc Fair Value". https://www.fairvalue-calculator.com/stock/0L95

Frequently asked questions

Is Block, Inc (0L95) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $125.79 versus a price of $74.35, about +69% upside (undervalued).
What is the fair value of 0L95?
Our model-based fair value for Block, Inc is $125.79 (as of Sep 24, 2026), built from audited fundamentals. The current price: $74.35.
What is the quality score of 0L95?
Block, Inc has a Quality Score of 63/100. 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 (0L95)?
Our model-based price target is the fair value of $125.79 (as of Sep 24, 2026) from 24 valuation models. Cautious scenario $84.20, optimistic scenario $167.58. 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 $125.79, about +69% upside versus a price of $74.35 (undervalued). Cautious scenario $84.20, optimistic scenario $167.58. The calculation is refreshed regularly with new filings.
What is the revenue of Block, Inc (0L95)?
Block, Inc reported trailing-twelve-month revenue of about $24.5B (latest available figure, as of Sep 24, 2026).
What growth is priced into Block, Inc (0L95)?
For today's price to be fair in a discounted-cash-flow model, Block, Inc would have to grow free cash flow by +9.9 % per year for five years (discount rate 12.8 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +20.6 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of 0L95 use?
Our models discount Block, Inc at 12.8 %: a base by market capitalisation (unknown), damped by beta 2.54, country premium for United Kingdom. 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 +9.9 % per year a year over ten years, using the same discount rate (12.8 %) and the same formula as our fair value.
How much growth has Block, Inc (0L95) delivered so far?
Over the past 5 years revenue at Block, Inc grew +20.6 % a year. The price currently implies +9.9 % 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.
What is the free cash flow yield of Block, Inc (0L95)?
The free-cash-flow yield on the price is 5.24 %: that much free cash flow Block, Inc produces per unit of market value. When it exceeds the discount rate of our models (12.8 %), 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 (0L95)?
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 $125.79 per share (as of Sep 24, 2026), against a price of $74.35. It is the blended result of 24 valuation models (cash flow, earnings, asset, dividend).
Is Block, Inc stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 0L95 trades below its calculated fair value: price $74.35, fair value $125.79, a gap of about +69% (undervalued). 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 0L95?
No. The price is what the market pays today ($74.35); the fair value is what the company's own numbers justify ($125.79). For Block, Inc the two are $51.44 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 $46.3B (market capitalisation, as of Sep 24, 2026). Per share that is $74.35; our models calculate a fair value of $125.79 per share.
What do the bullish and bearish scenarios say about 0L95?
Our models span a range for Block, Inc: cautious scenario $84.20, base $125.79, optimistic $167.58 per share (as of Sep 24, 2026, price $74.35). The range comes from different growth and margin assumptions, not from analyst opinions.
Is Block, Inc stock attractive at the current price?
The data as of Sep 24, 2026: price $74.35, calculated fair value $125.79 (+69%), Quality Score 63/100, from 24 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 0L95 calculated?
We run Block, Inc through 24 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 $125.79, 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 14.5 % above its aggregate fair value. Block, Inc currently trades 41 % 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 (0L95)?
The closing price on Oct 2, 2026 was $74.35. Our model-based fair value is $125.79, about +69% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Block, Inc right now?
The price is below even our cautious bear case ($84.20). The market is more pessimistic than our downside scenario. Solid quality (63/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range ($84.20 to $167.58) leaves room in how you read the outcome.

Key figures of Block, Inc

How large is the market capitalisation of Block, Inc (0L95)?
The market capitalisation of Block, Inc is $46.3B. 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 are the earnings per share of Block, Inc (0L95)?
Earnings per share at Block, Inc are $−0.1670. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Block, Inc (0L95)?
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 (0L95)?
The return on equity (ROE) of Block, Inc is 3.7% (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 (0L95)?
On an EBIT basis the return on assets of Block, Inc is 1.1% (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 (0L95)?
The operating margin of Block, Inc is −2.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Block, Inc (0L95)?
Revenue at Block, Inc is growing +4.9% 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 (0L95)?
Earnings per share at Block, Inc are growing −93.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Block, Inc (0L95) hold?
Block, Inc holds more cash than debt, $2.4B net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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