Block, Inc. XYZ NYSE

Block, Inc. (XYZ) reported moderate year-over-year revenue growth of +0.3% through 2025-12 (TTM revenue vs prior-year TTM). Net income showed earnings decline of -55% YoY, reaching $114M in the latest quarter. The net profit margin is 1.8%, which is thin. The company has maintained profitability in all 4 quarters. The gross margin is 42.9% (moderate), up 6.2pp vs the prior year. With a $40B market cap, MOAT composite score of 77/100 (strong competitive position).

Criteria proven by this page:

• GROWTH (90/100, Partial) — growth is present but not consistently above 5% across both metrics
• PAST (75/100, Pass) — proving consistent earnings. Looking at the full 14-year annual history, the company was profitable in 6 of 14 years — a mixed long-term record
• INCOME (45/100, Partial) — the company is profitable but margin is below 15%
• MOAT (77/100, Pass) — strong gross margins and market scale prove a durable competitive advantage

Overall SharesGrow Score: 78/100 with 5/7 criteria passed.