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Block (XYZ) Stock Analysis

This is a peer-relative look at Block (XYZ): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Financial Services peers, so every number reads in context rather than in isolation.

Company Profile

Company profile fields for Block (XYZ)
Profile ItemXYZ
NameBlock Inc. Class A Common Stock
Country/RegionUnited States
GICS SectorFinancials
GICS Industry GroupFinancial Services
GICS IndustryFinancial Services
GICS Sub-IndustryTransaction & Payment Processing Services
Market Capitalization51.67 billion USD
CurrencyUSD
ExchangeNYSE
Listing DateNovember 19, 2015
Security TypeCommon Stock

Price Performance

Cumulative Growth

XYZ
GSPC
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Block (XYZ) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Block (XYZ) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Block (XYZ) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Block (XYZ) metric values compared with Financial Services industry-group medians
MetricCurrent stock: XYZIndustry group median
Total Return (1Y)35.34%1.90%
Total Return (3Y, Annualized)20.17%12.71%
Total Return (5Y, Annualized)-17.43%2.81%

Risk Profile

Drawdown History

XYZ
GSPC
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Block (XYZ) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Block (XYZ) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Block (XYZ) metric values compared with Financial Services industry-group medians
MetricCurrent stock: XYZIndustry group median
Volatility (1Y, Annualized)48.01%36.24%
Beta (5Y)2.481.04
Max Drawdown (5Y)-83.55%-48.56%

Risk-Adjusted Performance

Risk-Return Positioning

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Each dot is a stock plotted by 1-year volatility (risk) and 1-year return. XYZ is highlighted; the dashed line is the Capital Allocation Line from the risk-free rate through the industry median — dots above it are stronger on a risk-adjusted basis.

Risk-Adjusted Metrics

Block (XYZ) metric values compared with Financial Services industry-group medians
MetricCurrent stock: XYZIndustry group median
Sharpe Ratio (1Y)0.65-0.09
Sortino Ratio (1Y)1.03-0.13

Profitability

ROE (TTM)

Block (XYZ) posts ROE of 2.02%, in the lower peer quartile. Shareholders’ equity is not producing as much profit as it does at most peers, so margins, asset turns, or balance-sheet structure deserve a closer look.

XYZ

Financial Services industry group

2.02%

Group distribution
Max
44.78%
Q3
21.85%
Median
12.91%
Q1
4.48%
XYZ
2.02%
Min
-18.71%
Largest peers
MA
231.37%
V
63.51%
MS
18.04%
GS
17.71%
BRK.A
12.12%
BRK.B
12.12%
XYZ
2.02%
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Where Block (XYZ) stands on ROE within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Net Margin (TTM)

Block (XYZ) keeps 1.80% of revenue as net profit, in the lower peer quartile for net margin. More of each sales dollar is being absorbed by costs, financing, taxes, or other charges than at most peers.

XYZ

Financial Services industry group

1.80%

Group distribution
Max
62.84%
Q3
28.05%
Median
15.36%
Q1
4.82%
XYZ
1.80%
Min
-28.52%
Largest peers
V
51.20%
MA
46.73%
GS
31.21%
MS
25.63%
BRK.A
22.30%
BRK.B
22.30%
XYZ
1.80%
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Where Block (XYZ) stands on net margin within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

Block (XYZ) turns 6.65% of revenue into operating profit, in the lower peer quartile for operating margin. Operating costs are taking a larger share of sales than they do at most peers.

XYZ

Financial Services industry group

6.65%

Group distribution
Max
107.33%
Q3
55.90%
Median
30.09%
Q1
14.60%
XYZ
6.65%
Min
-44.34%
Largest peers
V
63.73%
MA
60.53%
MS
39.00%
GS
38.37%
BRK.A
32.56%
BRK.B
32.56%
XYZ
6.65%
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Where Block (XYZ) stands on operating margin within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Profitability Metrics

Block (XYZ) metric values compared with Financial Services industry-group medians
MetricCurrent stock: XYZIndustry group median
ROE (TTM)2.02%12.91%
ROA (TTM)1.94%3.60%
Net Margin (TTM)1.80%15.36%
Operating Margin (TTM)6.65%30.09%
Gross Margin (TTM)----

Growth

Revenue Growth

Block (XYZ) grew revenue 0.30%, in the lower peer quartile. The top line is expanding more slowly than at most peers, which can reflect softer demand, lost share, or weaker pricing.

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Block (XYZ): Revenue Growth across different time periods, set against Financial Services industry-group medians.

EPS Growth

Block (XYZ) grew earnings per share -53.95%, in the lower peer quartile. Per-share profits are advancing more slowly than at most peers, so margins, costs, or share count deserve a closer look.

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Block (XYZ): EPS Growth across different time periods, set against Financial Services industry-group medians.

Growth Metrics

Block (XYZ) metric values compared with Financial Services industry-group medians
MetricCurrent stock: XYZIndustry group median
Revenue Growth (YoY)0.30%9.46%
Revenue Growth (3Y CAGR)11.33%10.90%
EPS Growth (YoY)-53.95%7.46%
EPS Growth (3Y CAGR)--13.04%

Financial Strength

Current Ratio (MRQ)

current ratio is set aside for Block (XYZ) in Financial Services: these balance sheets are not best read through a current/non-current split, so regulatory, funding, or liquidity-coverage measures usually matter more.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for Block (XYZ) in Financial Services: leverage is part of the business model itself, so capital adequacy, funding mix, and regulatory measures are usually better risk gauges.

Financial Strength Metrics

Block (XYZ) metric values compared with Financial Services industry-group medians
MetricCurrent stock: XYZIndustry group median
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Block (XYZ) pays no dividend, leaving dividend yield at 0.00% this period. Shareholders may still receive value through reinvestment or buybacks, but there is no dividend income to compare here.

XYZ

Financial Services industry group

0.00%

Group distribution
Max
9.77%
Q3
3.92%
Median
1.09%
XYZ
0.00%
Q1
0.00%
Min
0.00%
Largest peers
MS
2.40%
GS
2.07%
V
0.66%
MA
0.53%
XYZ
0.00%
BRK.A
0.00%
BRK.B
0.00%
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Where Block (XYZ) stands on dividend yield within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

Block (XYZ) paid no earnings out as dividends this period, leaving payout ratio at 0.00%. There is no dividend payout to size against earnings.

XYZ

Financial Services industry group

0.00%

Group distribution
Max
241.07%
Q3
97.36%
Median
25.77%
XYZ
0.00%
Q1
0.00%
Min
0.00%
Largest peers
MS
32.91%
GS
25.88%
V
21.75%
MA
17.63%
XYZ
0.00%
BRK.A
0.00%
BRK.B
0.00%
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Where Block (XYZ) stands on payout ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

Block (XYZ) metric values compared with Financial Services industry-group medians
MetricCurrent stock: XYZIndustry group median
Dividend Yield (TTM)0.00%1.09%
Dividend Payout Ratio (TTM)0.00%25.77%

Valuation

P/E Ratio (TTM)

Block (XYZ) trades at P/E ratio of 112.47, above the peer range for its industry. The market is paying unusually heavily for TTM earnings relative to comparable companies.

XYZ

Financial Services industry group

112.47

Group distribution
XYZ
112.47
Max
45.85
Q3
24.64
Median
15.37
Q1
9.68
Min
0.16
Largest peers
XYZ
112.47
V
34.31
MA
34.15
MS
14.39
BRK.A
14.36
BRK.B
14.36
GS
12.45
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Where Block (XYZ) stands on P/E ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

Block (XYZ) trades at 2.01 on P/S ratio, roughly in the peer group’s normal range. The market is not making a strong cheap-or-rich statement about its revenue base.

XYZ

Financial Services industry group

2.01

Group distribution
Max
9.23
Q3
4.57
Median
2.72
XYZ
2.01
Q1
1.28
Min
-0.55
Largest peers
V
17.18
MA
15.67
MS
3.55
GS
3.52
BRK.A
3.18
BRK.B
3.18
XYZ
2.01
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Where Block (XYZ) stands on P/S ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

P/B Ratio (MRQ)

Block (XYZ) trades at 2.26 on P/B ratio, roughly in line with the industry’s normal price-to-book range. Its balance sheet is not being priced at a clear discount or premium versus peers.

XYZ

Financial Services industry group

2.26

Group distribution
Max
7.79
Q3
3.63
XYZ
2.26
Median
1.57
Q1
0.81
Min
-0.39
Largest peers
MA
84.30
V
22.05
MS
2.65
GS
2.36
XYZ
2.26
BRK.A
1.72
BRK.B
0.00
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Where Block (XYZ) stands on P/B ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

Block (XYZ) metric values compared with Financial Services industry-group medians
MetricCurrent stock: XYZIndustry group median
P/E Ratio (TTM)112.4715.37
P/S Ratio (TTM)2.012.72
P/B Ratio (MRQ)2.261.57
Free Cash Flow Yield (TTM)----