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XYZBlock, Inc.
$76.47$45.4B
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  1. Home
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  4. Financial Ratios

Block, Inc. (XYZ) Financial Ratios

Latest Ratios: P/E Ratio 36.3x · EV/EBITDA 12.6x · ROE 6.0%. (2013–2025 historical series)

Income StatementBalance SheetCash FlowRatios
AnnualQuarterly

XYZ Valuation Multiples

Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
Market Cap$45.4B$40.5B$54.1B$47.5B$36.4B$81.0B$104.9B$29.2B$22.8B$13.2B$4.7B
Enterprise Value$43.0B$38.2B$49.7B$45.4B$35.0B$82.1B$105.3B$28.5B$23.1B$12.8B$4.2B
P/E Ratio →36.3231.0018.684864.78—489.42494.6477.23———
P/S Ratio1.881.682.242.172.084.5911.056.196.905.942.72
P/B Ratio2.141.832.552.542.1124.4639.1317.0020.3116.738.08
P/FCF18.7216.7234.82—7150.38149.11—109.9797.97129.43—
P/OCF17.6015.7231.68470.43206.8395.59606.2089.0077.12102.98201.26

P/E links to full P/E history page with 30-year chart

XYZ EV Ratios

Enterprise-value multiples — capital-structure-neutral measures of total business value

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
EV / Revenue—1.582.062.072.004.6511.086.057.005.792.46
EV / EBITDA12.6011.1824.1257.44111.70277.541609.77279.08947.71——
EV / EBIT14.1320.9836.41——195.41385.7571.32—1000.15—
EV / FCF—15.7432.02—6876.85151.08—107.5399.33126.10—

XYZ Profitability

Margins and return-on-capital ratios measuring operating efficiency

Margins

Full margin charts and quarterly trend are on the Earnings History page

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
Gross Margin42.8%42.8%36.9%34.2%34.2%25.0%28.8%40.1%39.5%37.9%33.7%
Operating Margin12.6%12.6%7.0%1.7%-0.2%0.9%-0.2%0.6%-1.1%-2.4%-10.0%
Net Profit Margin5.4%5.4%12.0%0.0%-3.1%0.9%2.2%8.0%-1.2%-2.8%-10.0%

Return on Capital

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
ROE6.0%6.0%14.5%0.1%-5.3%5.5%9.7%26.5%-4.0%-9.2%-31.7%
ROA3.4%3.4%8.3%0.0%-2.4%1.4%3.0%9.6%-1.4%-3.7%-16.3%
ROIC12.4%12.4%7.6%1.8%-0.2%3.3%-0.7%1.6%-2.9%-14.2%-149.7%
ROCE10.6%10.6%6.4%1.6%-0.2%2.3%-0.4%1.0%-2.1%-5.9%-28.5%

XYZ Leverage & Debt

Solvency and debt-coverage ratios — lower is generally safer

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
Debt / Equity0.400.400.370.320.371.661.300.630.800.46—
Debt / EBITDA2.632.633.847.6820.2218.6453.4210.5236.95——
Net Debt / Equity—-0.11-0.20-0.11-0.080.320.13-0.380.28-0.43-0.78
Net Debt / EBITDA-0.69-0.69-2.10-2.65-4.443.635.13-6.3513.00——
Debt / FCF—-0.98-2.79—-273.541.97—-2.451.36-3.33—
Interest Coverage14.0614.06146.90—-14.6012.694.7918.58-1.011.27—

Net cash position: cash ($11.3B) exceeds total debt ($9.0B)

XYZ Liquidity & Efficiency

Short-term solvency ratios and asset-utilisation metrics

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
Current Ratio2.202.202.332.011.851.941.881.902.071.831.73
Quick Ratio2.192.192.311.991.841.921.871.872.051.811.71
Cash Ratio1.151.151.491.061.041.500.931.311.100.890.89
Asset Turnover—0.610.660.660.561.270.961.041.011.011.41
Inventory Turnover87.3887.38145.08130.89118.11171.84110.6559.2269.6781.9582.53
Days Sales Outstanding—134.0185.79119.81110.8543.3941.0053.4242.87103.7169.91

XYZ Shareholder Yields

Earnings, FCF, buyback, and dividend yields — total returns to shareholders

Dividends

Full dividend history and growth charts are on the Dividend History page

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
Dividend Yield———————————
Payout Ratio———————————

Total Shareholder Return Metrics

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
Earnings Yield2.8%3.2%5.4%0.0%—0.2%0.2%1.3%———
FCF Yield5.3%6.0%2.9%—0.0%0.7%—0.9%1.0%0.8%—
Buyback Yield5.1%5.7%2.2%0.3%0.0%0.0%0.0%0.0%0.0%0.0%0.0%
Total Shareholder Yield5.1%5.7%2.2%0.3%0.0%0.0%0.0%0.0%0.0%0.0%0.0%
Shares Outstanding—$623M$636M$614M$579M$502M$482M$466M$406M$379M$342M

Key Metrics

Growth RegimeDecelerating
ProfitabilityStable
Balance SheetAdequate
Cash FlowMixed
Top Statement Risk

Revenue growth stagnation and margin volatility

Verified Source

Metrics are mathematically derived from official filings.

SEC 10-K (2026Q2)

Margin Expansion Masks Earnings Volatility

Gross margin improved from 35.2% in 2024Q1 to 47.8% in 2026Q2, a 12.6-point gain, but net margin swung from 32.3% to -5.1%, per reported financials.

The gross margin expansion suggests a favorable mix shift toward higher-margin services, yet operating margin remains erratic, ranging from 4.2% to 15.9% over the period. Net income volatility, including a $1.9B gain in 2024Q4 and a -$308.7M loss in 2026Q1, indicates that non-operating items distort underlying earning power. Investors should focus on gross margin and cash flow metrics rather than net income to gauge true profitability.

Return on Capital Remains Subdued

ROIC has hovered between 1.2% and 4.0% over the past ten quarters, with 2026Q2 at 1.7%, per financial statements, indicating limited capital efficiency.

Despite asset-light operations, ROIC is low, reflecting a large goodwill base of $12.0B that inflates invested capital without generating proportional returns. ROE also remains thin, averaging around 2% in recent quarters, suggesting that shareholder value creation is modest relative to equity. The improvement in gross margin has not yet translated into meaningful returns on capital, warranting close monitoring of capital allocation.

Working Capital Swings Distort Efficiency

CCC swung from -18 days in 2026Q2 to 125 days in 2026Q1, driven by DSO volatility (81 to 124 days), per reported data, highlighting unstable working capital management.

The negative CCC in 2026Q2 suggests Block is collecting payments before paying suppliers, a favorable position, but the extreme quarterly swings indicate that working capital is not managed consistently. DSO spikes in 2026Q1 and 2025Q4 may reflect timing of receivables, possibly from Bitcoin-related transactions, which can distort efficiency metrics. Asset turnover remains low at 0.17, consistent with a software model that carries significant intangibles.

Leverage Creeps Higher with Thin Coverage

D/EBITDA rose to 18.43 in 2026Q2 from 7.03 in 2025Q2, while interest coverage fell to 6.41, per reported figures, signaling tighter debt service capacity.

The sharp increase in D/EBITDA is partly due to depressed EBITDA in recent quarters, but it also reflects rising debt levels, with total debt at $6.6B against cash of $6.4B. Interest coverage, though positive, is volatile and dipped to -6.38 in 2026Q1, indicating that earnings may not consistently cover interest expenses. This suggests that Block's leverage is becoming less comfortable, and refinancing risk may increase if cash flows weaken.

Liquidity Ratios Healthy but Cash Buffer Thins

Current ratio improved to 2.21 in 2026Q2 from 1.64 in 2024Q1, but cash dropped to $6.4B, per balance sheet data, reducing the absolute liquidity cushion.

The current and quick ratios are nearly identical, indicating minimal inventory dependence, which is typical for a software company. However, the absolute cash position has declined, and with debt at $6.6B, net debt is slightly positive, which could strain liquidity under stress. The healthy ratios may overstate resilience given the volatility in operating cash flow, as seen in 2025Q4 when OCF dropped to $621M.

P/E Misleads Due to Earnings Distortions

Block's trailing P/E of 37.61 is distorted by volatile net income, while forward P/E of 19.75 and EV/EBITDA of 13.07 offer cleaner valuation signals, per market data.

The trailing P/E is unreliable because net income includes large non-operating gains and losses, such as the $1.9B gain in 2024Q4 and the -$308.7M loss in 2026Q1. Investors should instead use EV/EBITDA or P/FCF, which better capture operating performance; P/FCF at 19.39 is more meaningful given the company's strong cash generation. The low PEG of 1.02 suggests the stock is reasonably priced relative to expected growth, but that growth is decelerating, so the metric may be misleading.

Download Financial Ratios Data

Includes 30+ ratios · 13 years · Updated daily

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XYZ — Frequently Asked Questions

Quick answers to the most common questions about buying XYZ stock.

What is Block, Inc.'s P/E ratio?

Block, Inc.'s current P/E ratio is 36.3x. The historical average is 42.3x. This places it at the 67th percentile of its historical range.

What is Block, Inc.'s EV/EBITDA?

Block, Inc.'s current EV/EBITDA is 12.6x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 30.9x.

What is Block, Inc.'s ROE?

Block, Inc.'s return on equity (ROE) is 6.0%. The historical average is -13.0%.

Is XYZ stock overvalued?

Based on historical data, Block, Inc. is trading at a P/E of 36.3x. This is at the 67th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.

What are Block, Inc.'s profit margins?

Block, Inc. has 42.8% gross margin and 12.6% operating margin. Operating margin between 10-20% is typical for established companies.

How much debt does Block, Inc. have?

Block, Inc.'s Debt/EBITDA ratio is 2.6x, indicating moderate leverage. A ratio between 2-4x is manageable but warrants monitoring.