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XYZ · NYSE · United States · Services-Prepackaged Software
In shortBlock, Inc. is profitable, generates cash and carries moderate debt, with revenue stable (+0.3% last year).
Financial health
Solid
Built from five areas over the last five annual reports. Tap an area to see the figures behind it.
| Operating marginShare of each sale left after running the business, before interest and tax. | 7.1% | 40/100 |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | 5.4% | 42/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 6.0% | 30/100 |
| Return on invested capitalProfit earned on all the capital used (equity and debt). Above 10% usually means a real competitive edge. | 4.5% | 30/100 |
Weight in the score: 25%
| Current ratioShort-term assets divided by short-term debts. Below 1 can mean tight cash. | 2.20× | 100/100 |
|---|---|---|
| Debt / equityDebt compared with the shareholders' stake. Above 2 is heavily indebted. | 0.33× | 93/100 |
| Net debt / EBITDAYears of operating profit needed to repay net debt. Below 2 is comfortable. | 0.35× | 100/100 |
| Interest coverageHow many times operating profit covers interest. Below 2 is risky. | 6.66× | 49/100 |
| Altman Z''Bankruptcy-risk model. Above 2.6 safe, below 1.1 distress. | 4.00 | 74/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | 10.0% | 60/100 |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | 1.86× | 100/100 |
| Years with positive free cash flow (last 5) | 4 of 5 | 75/100 |
Weight in the score: 20%
| Profitable years (last 5) | 4 of 5 | 80/100 |
|---|---|---|
| Years of revenue decline (last 5) | 1 of 5 | 67/100 |
| Revenue growth volatility | 36.1% | 0/100 |
| Operating margin volatility | 4.2% | 71/100 |
Weight in the score: 20%
| Revenue growth, 3-year average | 11.3% | 80/100 |
|---|---|---|
| EPS growth, 3-year average | – | n/a |
Weight in the score: 10%
Fiscal year 2025 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
5 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 5 fiscal years from the company's annual reports.
USD millions; negative values in parentheses.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | 17,661 | 17,532 | 21,916 | 24,121 | 24,194 |
| Cost of revenue | 13,241 | 11,540 | 14,411 | 15,232 | 13,834 |
| Gross profit | 4,420 | 5,992 | 7,505 | 8,889 | 10,360 |
| Research & development | 1,384 | 2,136 | 2,721 | 2,914 | 2,908 |
| Operating income | 161 | (625) | (279) | 892 | 1,708 |
| Interest expense | 58 | 0 | 0 | 166 | 256 |
| Pre-tax income | 157 | (565) | (29) | 1,357 | 1,690 |
| Income tax | (1.4) | (12) | (8) | (1,509) | 386 |
| Net income | 166 | (541) | 9.8 | 2,897 | 1,306 |
| Diluted EPS | $0.33 | −$0.93 | $0.02 | $4.56 | $2.10 |
| Diluted shares (millions) | 502 | 579 | 614 | 636 | 623 |
5 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 8 reported quarters (10-Q and 10-K filings), in USD millions. The fourth quarter is derived from the annual report.
The last 8 quarters of Block, Inc. are included in the Investor plan. Try free for 7 days →
4.00 Safe zone
Estimates bankruptcy risk from working capital, retained earnings, operating profit and equity. Above 2.6 is considered safe, below 1.1 signals distress.
5/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Jun 30, 2026 · Data updated Aug 5, 2026