Block, Inc. (XYZ) DCF Valuation
Two independent models estimate Block, Inc.'s fair value between $31.59 (conservative case) and $48.96 (analyst consensus).
What would today's price require?
$66.62 is justified only if free cash flow grows about +16.3% a year for the next decade — slower than the company has actually grown.
Current Price
$66.62
Fair-Value Range
$31.59 – $48.96
Market-Implied Growth
+16.3%/yr
vs +64.0% 5Y actual
XYZ DCF Fair Value Calculator
Edit the assumptions to see how they change the estimated fair value. Illustrative model — not investment advice. Defaults to a conservative base case; the analyst (FMP) DCF, where available, is shown as a reference below.
Base inputs: FCF $983.2M · 0.60B shares · net cash $2.7B
Estimated Fair Value
$31.59
-52.6% vs $66.62
Sensitivity — fair value by discount rate × terminal growth
How the estimated fair value shifts with the discount rate (WACC) and terminal growth, holding your 5.0%/yr FCF growth and 10-year horizon fixed. Green = above today's $66.62; red = below. Your current case is outlined.
| WACC ↓ / Terminal → | 1.50% | 2.00% | 2.50% | 3.00% | 3.50% |
|---|---|---|---|---|---|
| 8.0% | $38.16 | $39.88 | $41.92 | $44.37 | $47.36 |
| 9.0% | $33.41 | $34.59 | $35.95 | $37.54 | $39.42 |
| 10.0% | $29.80 | $30.63 | $31.59 | $32.67 | $33.93 |
| 11.0% | $26.95 | $27.57 | $28.26 | $29.03 | $29.91 |
| 12.0% | $24.66 | $25.12 | $25.63 | $26.20 | $26.84 |
About Block, Inc.
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 processor and receipt printer, accepting tap, dip, and swipe payment methods. Beyond physical devices, Block supplies an extensive suite of software products. These encompass Square Point of Sale, Square Appointments, specialized applications for Retail and Restaurants, online commerce solutions like Square Online and Checkout, Square Invoices, Square Virtual Terminal, Square Team Management, Square Contracts, and a suite for Loyalty, Marketing, and Gift Cards, all managed through the Square Dashboard. Furthermore, Block supports developers with a dedicated platform featuring application programming interfaces (APIs) and software development kits (SDKs). Its portfolio also includes Cash App, a popular mobile service for sending, spending, and saving money, and Weebly, which delivers website hosting and domain registration services to customers. Serving an international clientele, the company's operations extend across the United States, Canada, Japan, Australia, Ireland, France, Spain, and the United Kingdom. Originally established as Square, Inc. in 2009, the San Francisco, California-based firm officially adopted the name Block, Inc. in December 2021.
- Sector
- Technology
- Industry
- Software - Infrastructure
- CEO
- Jack Dorsey