---
title: Block (XYZ) — intrinsic value and fair price
canonical: https://sweetvaluelab.com/stocks/xyz
ticker: XYZ
as_of: 2026-10-18
sector: Technology
industry: Software - Infrastructure
---
# Block (XYZ)

Block (XYZ) closed at $77.85 on Oct 16, 2026, overvalued by 151% vs its model value of $31.06 (from a five-year discounted cash flow).

## Key figures

| Figure | Value |
| --- | ---: |
| Last close | $77.85 (Oct 16, 2026) |
| Model value (from a five-year discounted cash flow) | $31.06 |
| Price vs model | overvalued by 151% vs model |
| Range of that model | $25.62 – $41.42 |
| Market value | $46.8B |
| P/E (fiscal 2025) | 37.1 |
| Net margin (fiscal 2025) | 5.4% |
| Free cash flow (fiscal 2025) | $2.4B |
| Dividend yield (trailing twelve months) | 0.00% |
| Beta | 2.55 |
| Cost of capital (WACC) | 12.34% |
| Business classification | Mature & Stable (Low/slowing growth (~5% recent), Decelerated from ~21% 5y CAGR, Moderate margins (5% net margin), Highly cyclical earnings, Strong FCF yield (5.2%)) |

## Valuation models

Each model's value per share and the role the engine gave it for this business. The headline above is one model's value; every other model is listed with its own, and each has a page of its own under the valuation. Computed Oct 18, 2026.

| Model | Role | Value per share | Low | High |
| --- | --- | ---: | ---: | ---: |
| DCF · Perpetuity growth · 5y | primary | $31.06 | $25.62 | $41.42 |
| DCF · Perpetuity growth · 10y | cross check | $27.09 | $23.35 | $33.87 |
| DCF · EBITDA exit · 5y | cross check | $33.60 | $25.54 | $43.05 |
| DCF · EBITDA exit · 10y | cross check | $28.27 | $23.33 | $34.71 |
| P/E · peers | cross check | $56.93 | $27.59 | $64.31 |
| P/E · own history | cross check | $583.01 | $72.99 | $8,804.08 |
| PEG | sanity check | $101.39 | $101.39 | $101.39 |
| EV/EBITDA · peers | cross check | $33.44 | $32.88 | $51.03 |
| EV/Revenue · peers | cross check | $126.25 | $78.54 | $144.38 |
| Earnings power value | cross check | $0.00 | $0.00 | $0.00 |
| Dividend discount | cross check | $0.00 | $0.00 | $0.00 |

## Insider activity (SEC Form 4)

Past 90 days: 0 open-market buys ($0) and 35 open-market sales ($16.4M); 10b5-1 plan sales included.

| Date | Insider | Relationship | Transaction | Shares | Value |
| --- | --- | --- | --- | ---: | ---: |
| Oct 14, 2026 | Eisen Anthony Mathew | Director | Open-market sell (10b5-1 plan) | 6,000 | $454,200 |
| Oct 13, 2026 | Eisen Anthony Mathew | Director | Open-market sell (10b5-1 plan) | 6,000 | $460,800 |
| Oct 12, 2026 | Eisen Anthony Mathew | Director | Open-market sell (10b5-1 plan) | 6,000 | $461,820 |
| Oct 7, 2026 | Eisen Anthony Mathew | Director | Open-market sell (10b5-1 plan) | 6,000 | $452,100 |
| Oct 8, 2026 | Eisen Anthony Mathew | Director | Open-market sell (10b5-1 plan) | 6,000 | $451,020 |

## Recent SEC filings

| Filed | Form | What | Filing |
| --- | --- | --- | --- |
| Aug 5, 2026 | 10-Q | Quarterly report | https://www.sec.gov/Archives/edgar/data/1512673/000162828026053368/xyz-20260630.htm |
| Aug 5, 2026 | 8-K | 2.02 Results of Operations (Earnings); 9.01 Financial Statements and Exhibits | https://www.sec.gov/Archives/edgar/data/1512673/000119312526335117/d91486d8k.htm |
| Jun 18, 2026 | 8-K | 5.07 Submission of Matters to a Shareholder Vote | https://www.sec.gov/Archives/edgar/data/1512673/000119312526275869/d55271d8k.htm |
| Jun 5, 2026 | 8-K | 5.02 Departure/Election of Directors or Officers | https://www.sec.gov/Archives/edgar/data/1512673/000119312526259540/d140803d8k.htm |
| May 7, 2026 | 10-Q | Quarterly report | https://www.sec.gov/Archives/edgar/data/1512673/000162828026032200/xyz-20260331.htm |

## Superinvestors holding it (latest 13F)

| Manager | Quarter | Shares | Value |
| --- | --- | ---: | ---: |
| Chase Coleman | 2026-06-30 | 4,576,007 | $347.8M |
| Loeb | 2026-06-30 | 2,558,943 | $194.5M |
| Bridgewater | 2026-06-30 | 413,101 | $31.4M |

3 tracked managers in all.

## About

Block, Inc., operating through its subsidiaries, develops innovative tools that empower merchants to process card payments, gain insights from robust reporting and analytics, and benefit from expedited next-day fund settlement. The company offers a diverse range of hardware solutions, including the Magstripe reader for traditional swipe-based transactions, and the Contactless and chip reader, which accommodates Europay, MasterCard, and Visa (EMV) chip cards alongside Near Field Communication (NFC) payments. For comprehensive point-of-sale functionality, Block provides the Square Stand, enabling an iPad to serve as a complete payment terminal, and the Square Register, an integrated system combining proprietary hardware, software, and payment processing capabilities. Additionally, the Square Terminal offers a modern alternative to conventional keypad devices, functioning as both a payment…

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Source: https://sweetvaluelab.com/stocks/xyz (SweetValueLab, free, no account). Prices and statements from Financial Modeling Prep; filings from SEC EDGAR. Research and educational data, not investment advice; nothing here is a recommendation to buy, sell or hold any security.