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Data-driven stock valuation

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

We calculate from audited financials what Block, Inc is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily, free.

  1. Compare price with fair valuebelow fair value = cheap, above = expensive
  2. Check the quality50 and up solid, 75 and up strong
  3. Watch it or check another stockalert when fair value or trend changes

Technology · US · Market cap $47.6B · ISIN US8522341036

At a glance

BI Block, Inc logo Block, Inc XYZ · US
Price$80.10
Fair Value$51.23
Upside−36.0%
Quality64/100

A solid business, but trading 56% above our fair value of $51.23.

As of Sep 9, 2026, the fair value of Block, Inc is $51.23 per share against a price of $80.10, so the fair value sits 36% below the price. A model estimate from reported figures, not an analyst target.

✓Healthy Growth (revenue 5y +20.6 %/yr)
!Thin margins · 3.3% net margin
✓Low debt · generates free cash flow
!Mixed vs. peers (6/15)
!Narrow moat 30/100
!Weak on future: 25 out of 100
!Weak on past: 15 out of 100
!Weak on dividend: 6 out of 100
Evidence: High Range $38.42 to $64.04

Fair value as of: Sep 9, 2026

From 26 valuation models · updated today

Share price +1.4% over the past month.

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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 →

What matters now

  • The price sits above even our optimistic bull case ($64.04). The favourable scenario is already priced in.
  • Solid but not exceptional quality (64/100) and above fair value, neither a clear bargain nor a standout compounder.

Price vs Fair Value (5 years)

$281.81 $39.22 Fair Value $51.23 Jun 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 9, 2026.

How to read this chart

60‑month range $39.22 – $281.81 · fair‑value band $38.42 – $64.04 · the $80.10 price screens above the $51.23 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 9, 2026.

Full chart & analysis →

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Analysis

Block, Inc (XYZ) currently trades at $80.10, while our model-based Fair Value estimate is $51.23, implying the stock looks roughly 56.3% overvalued today. The Quality Score stands at 64/100 (solid quality), in the Technology sector. Bull case: the Growth DCF group reads highest at a median of $133.87 per share, and 16 of the 26 models we run sit above the $80.10 price. Bear case: the Asset-Based group reads lowest at $27.80, and 10 of the 26 models stay below the price. Evidence for this calculation is high.

Over the trailing twelve months, Block, Inc generated revenue of $24.5B at a net margin of 3.3%. Revenue grew 4.9% year over year. It earns a return on equity of 3.7%. The balance sheet holds a net cash position of $2.4B. Fundamentals as of Sep 9, 2026

Scenario range: $38.42 (bear) to $64.04 (bull), the price of $80.10 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target. The last reported earnings sit well below what analysts expect (earnings in transition, for example after write-downs or an earnings dip); whether the stock is cheap or expensive hinges on the expected recovery actually arriving. Read the fair value with that caveat. The share trades about 3% below its 52-week high and 66% above its 52-week low, currently above its 200-day average. For context, the median of 10 Technology peers we cover trades at −32% fair-value upside, at −36%, XYZ screens richer than that median.

Fair Value models

Based on fiscal year 2025 figures (about 8 months old). Earnings retained since then ($0.8665 per share) are deliberately not added.

Each model values the company its own way; the fair value above is the evidence-weighted blend. Evidence (0 to 100) shows how complete a model's inputs are. How we calculate →

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. Evidence
Highest evidence
FCF DCF $85.07 $128.81 $268.06 76
Residual Income $32.45 $33.23 $33.34 76
Growth DCF $80.54 $151.17 $266.91 75
All 26 models by family
DCF Models
FCF DCF $85.07 $128.81 $268.06 76
Owner Earnings $53.41 $110.29 $229.69 71
5Y Revenue Exit $71.60 $118.15 $215.64 70
5Y EBITDA Exit $76.68 $128.43 $229.90 72
5Y P/E Exit $58.71 $111.93 $183.03 68
10Y Revenue Exit $74.32 $154.15 $205.39 66
10Y EBITDA Exit $80.39 $165.10 $311.79 65
10Y P/E Exit $67.27 $126.40 $220.28 61
Earnings-Based
Graham-Dodd $16.59 $115.69 $162.35 63
Lynch FV $52.96 $75.65 $98.35 61
PEG = 1.0 $52.96 $75.65 $98.35 57
EPV $56.16 $64.05 $70.95 74
Dividend Discount
Gordon GGM $2.24 $4.65 $7.38 66
DDM Multi-Stage $2.24 $3.92 $4.88 66
Multiples
P/E Multiple $38.42 $51.23 $64.04 63
P/S Multiple $31.10 $41.47 $51.84 58
P/B Multiple $31.10 $41.47 $51.84 55
EV/EBIT $81.38 $105.57 $129.75 66
EV/EBITDA $71.04 $91.78 $112.52 67
EV/Revenue $60.61 $82.80 $105.00 54
Asset-Based
NCAV (Graham) $20.74 $27.80 $41.49 54
Growth DCF
Growth DCF $80.54 $151.17 $266.91 75
Rev-Margin DCF $76.29 $133.87 $250.35 69
Economic Profit
Residual Income $32.45 $33.23 $33.34 76
ROIC Compounder $71.73 $100.59 $123.98 72
Growth Earnings
Growth-Adj P/E $70.90 $101.29 $131.67 67

Widest divergence: Growth DCF ($133.87) versus Dividend Discount ($3.92). Highest evidence: FCF DCF (76).

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Key figures & financial health

P/E ratio 53.3 as of Jun 6, 2026
P/S ratio 2.88 P/E × margin
EPS (TTM) $1.28 price ÷ EPS = P/E 53.3
Dividend yield 0.3% payout 20.1%
Net margin 5.4% FY2025
Return on equity 3.7% TTM
More key figures
Profitability
Return on assets (EBIT) 2.9% avg 5y
Operating margin −2.6% TTM
Growth
Revenue (TTM) $24.5B TTM
Revenue growth (YoY) +4.9% 3y avg +11.3%
EPS growth (YoY) −93.9%
Balance sheet & cash flow
Free cash flow $2.4B FY2025
Net cash $2.4B FY2025

Figures from reported company fundamentals · as of Sep 9, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 64/100

Of which business quality 67 · Market factors (momentum, volatility) 47

Profitability 37
Margins and returns on capital today
Quality Growth 50
Are margins and returns improving?
Cashflow 73
Earnings quality: real cash, not paper profit
Fin. Strength 92
Balance sheet, leverage, solvency risk
Investment 72
Disciplined investing over empire-building
Low Volatility 15
Calm price path (market factor)
Momentum 58
Price trend over the last 3–12 months (market factor)
52W Momentum 65
Distance to the 52-week high (market factor)
Net Issuance 79
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.

About the company

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.

Full company description

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.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

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.

Growth Quality 90/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Latest Revenue (FY 2025)
$24.2B
Latest YoY
+0.3%
Avg. revenue growth/yr (3Y) ⓘ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.
+11.3%
Avg. revenue growth/yr (5Y) ⓘ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.
+20.6%
Avg. revenue growth/yr (13Y) ⓘ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.
+44.4%
Value creation/yr (5Y) ⓘEarnings growth per share (CAGR 5 years, adjusted) plus dividend yield: value created per share and year.
+64.2%
Earnings growth per share plus dividend yield: the value created per share and year.
Earnings growth per share+63.9%
Dividend yield0.3%
Operating margin (EBIT) ⓘ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.−0.2% (2020) → 12.6% (2025) · rising
Worst earnings drop278% (2022) (loss year, drop beyond 100%) · in USD
Revenue +8.2%/yr
FY21 $17.7B
FY22 $17.5B
FY23 $21.9B
FY24 $24.1B
FY25 $24.2B
Net income +67.4%/yr
FY21 $166M
FY22 −$541M
FY23 $9.8M
FY24 $2.9B
FY25 $1.3B

XYZ screens 56% overvalued. Compare with Microsoft Corporation →

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Block, Inc · Fair Value
$51.23 −56%Fair Value
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Cite: Fair Value Calculator (2026). "Block, Inc Fair Value". https://www.fairvalue-calculator.com/stock/XYZ

Recent news

External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.

Peer Group

Software - Infrastructure · 369 stocks

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.

Valuation
Quality Score 64 · Top 25%
Fair Value upside −38% · Below median
Profitability
Return on equity (TTM) 4% · Below median
Return on assets 2% · Above median
Net margin (TTM) 3% · Above median
Operating margin (TTM) −3% · Below median
Growth and dividend
Revenue growth 5% · Below median
Dividend yield (TTM) 0.3% · Bottom 25%
Balance sheet
Debt / equity 0.30× · Above median

Valuation Multiples vs Software - Infrastructure median · lower = cheaper

P/E (TTM) 53.3× · Priciest 25%
P/B 2.14× · Cheaper than median
P/S (TTM) 1.94× · Cheaper than median
P/FCF 19.6× · Pricier than median
EV/EBITDA 27.2× · Pricier than median
PEG 0.88× · Cheaper than median

What the price implies (reverse DCF)

The inverse question: what free-cash-flow growth must Block, Inc deliver for ten years so that today's price is fair in our DCF model? Same formula, same discount rate as the fair value.

Implied FCF growth, 10 years+10.5 % per year
Achieved revenue growth, 5 years+20.6 % p.a.
Sector median revenue growth+4.6 %
FCF yield on price4.86 %
Discount rate (WACC) in the models11.5 %

The price demands less growth than the company recently delivered: even a weaker business would justify the price. Ranking of the largest stocks →

Context: sector, industry, market

Strength profile in five axes (Snowflake)

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE0 · sector 0
FUTURE25 · sector 48
PAST15 · sector 15
HEALTH85 · sector 98
DIVIDEND6 · sector 26

VALUE 0: the price sits above our fair-value range.

Insider activity: 40/100

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Software - Infrastructure stocks, each showing price versus our Fair Value estimate (as of Sep 9, 2026).

Stock Price Fair Value vs Fair Value
Microsoft Corporation MSFT $480.35 $365.74 −24%
Oracle Corporation ORCL $158.78 $117.84 −26%
Palo Alto Networks, Inc PANW $333.26 $36.50 −89%
Fortinet, Inc FTNT $156.29 $61.46 −61%
Synopsys, Inc SNPS $393.84 $101.19 −74%
CoreWeave, Inc CRWV $105.26 $71.79 −32%
NetApp, Inc NTAP $190.64 $154.83 −19%
Adyen N.V ADYEN €1,007 €707.53 −30%
MongoDB, Inc MDB $368.74 $93.91 −75%
Okta, Inc OKTA $170.60 $30.50 −82%

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Frequently asked questions

Is Block, Inc (XYZ) overvalued or undervalued?
As of Sep 9, 2026, our model estimates a fair value of $51.23 versus a price of $80.10, about −36% upside (overvalued).
What is the fair value of XYZ?
Our model-based fair value for Block, Inc is $51.23 (as of Sep 9, 2026), built from audited fundamentals. The current price: $80.10.
What is the quality score of XYZ?
Block, Inc has a Quality Score of 64/100. 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 $51.23 (as of Sep 9, 2026) from 26 valuation models. Cautious scenario $38.42, optimistic scenario $64.04. 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 $51.23, about −36% upside versus a price of $80.10 (overvalued). Cautious scenario $38.42, optimistic scenario $64.04. 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 $24.5B (latest available figure, as of Sep 9, 2026).
What is the net profit margin of XYZ?
The net profit margin of Block, Inc is about 3.3%, meaning it keeps roughly 3.3% of revenue as net income. Based on the latest reported figures.
Does Block, Inc pay a dividend?
Block, Inc currently shows a dividend yield of about 0.32% relative to its recent price (as of Sep 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 +10.5 % per year for ten years (discount rate 11.5 %, then 2 % perpetual growth). Over the last 5 years revenue grew +20.6 % per year. As of Sep 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 2.55, country premium for USA. The same rate applies in all 26 models.
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 $51.23 per share (as of Sep 9, 2026), against a price of $80.10. It is the blended result of 26 valuation models (cash flow, earnings, asset, dividend).
Is Block, Inc stock overvalued or undervalued in 2026?
As of Sep 9, 2026, XYZ trades above its calculated fair value: price $80.10, fair value $51.23, a gap of about −36% (overvalued). 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 ($80.10); the fair value is what the company's own numbers justify ($51.23). For Block, Inc the two are $28.87 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 $47.6B (market capitalisation, as of Sep 9, 2026). Per share that is $80.10; our models calculate a fair value of $51.23 per share.
What do the bullish and bearish scenarios say about XYZ?
Our models span a range for Block, Inc: cautious scenario $38.42, base $51.23, optimistic $64.04 per share (as of Sep 9, 2026, price $80.10). 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 53.3 (as of Sep 9, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $51.23 is built from several models across several years. Other multiples: PEG 0.9, P/B 2.1, P/S 1.9, EV/EBITDA 27.2.
What is the PEG ratio of XYZ?
The PEG ratio of Block, Inc is 0.88 (P/E divided by earnings growth, as of Sep 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 Sep 9, 2026): return on equity 3.7%, debt of 0.30 per unit of equity. They feed the Quality Score of 64/100, which measures business quality independently of the share price.
How far is XYZ from its 52-week high?
Block, Inc trades at $80.10, about 3% below its 52-week high of $82.50 and 66% above the low of $48.21 (as of Sep 9, 2026). Distance from the high says nothing about value: that is what the fair value of $51.23 is for.
Which stocks are comparable to Block, Inc?
From the same area (Technology) we also value Microsoft Corporation, Oracle Corporation, Palo Alto Networks, Inc, Fortinet, Inc, 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 Sep 9, 2026: price $80.10, calculated fair value $51.23 (−36%), Quality Score 64/100, from 26 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 26 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 $51.23, with the spread shown as a cautious and an optimistic scenario.
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