The earnings call reflected an overall strong financial performance with significant growth in key areas such as Cash App and Borrow. However, there are some concerns about increased costs impacting margins, particularly due to Borrow expansion and processing costs. Despite these challenges, the company's focus on innovation and international growth is positioning it well for the future.

Company Guidance

During the Block Second Quarter 2025 Earnings Conference Call, several key metrics and guidance details were discussed. The company reported a gross profit of $2.5 billion, marking a 14% year-over-year increase, and an adjusted operating income of $550 million, a 38% rise from the previous year, with an adjusted operating income margin reaching a high of 22%. For the third quarter, Block expects a gross profit of $2.6 billion, reflecting a 16% year-over-year growth, and an adjusted operating income of $460 million, with an 18% margin. The company projected full-year gross profit guidance of $10.17 billion, a 14% increase year-over-year, and an adjusted operating income of $2.03 billion, with a 20% margin, indicating a 2 percentage point margin expansion. These results and projections underscore Block's focus on product innovation, go-to-market investments, and operational efficiency. Additionally, they highlighted the strategic importance of Cash App, with 8 million banking actives generating over $250 in annualized gross profit per active and showcased growth in areas like BNPL and Borrow, with Borrow originations reaching $18 billion annually.

Strong Financial Performance

Gross profit was $2.5 billion, up 14% year-over-year, with adjusted operating income at $550 million, up 38% year-over-year. The company expanded margins to its highest quarterly adjusted operating income margin yet at 22%.

Cash App Growth

Cash App gross profit growth reaccelerated to 16% year-over-year in Q2. The Cash App Card showed healthy gross profit growth, and BNPL gross profit reaccelerated, driven by increasing attach rates for post-purchase BNPL on Cash App Card.

Expansion of Borrow and Banking

Borrow on Square Financial Services saw meaningful ramping, with 6 million monthly actives and $18 billion in annualized originations. The company began to meaningfully ramp Borrow on Square Financial Services during Q2.

Square's Product Innovation

Launched Square AI, Square Handheld, and an updated version of Square Online. Introduced Bitcoin payments on Square and Tap to Pay for Cash App Business powered by Square.

International Growth

International GPV growth accelerated to 25% year-over-year as Block continued to expand distribution across sales and partnerships.

Block (GB:0L95) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

GB:0L95 Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 30, 2025	2025 (Q3)	0.64 / -	0.88	―	―	―
Aug 07, 2025	2025 (Q2)	0.63 / 0.62	0.93	-33.33% (-0.31)
May 01, 2025	2025 (Q1)	0.97 / 0.56	0.85	-34.12% (-0.29)
Feb 20, 2025	2024 (Q4)	0.88 / 0.71	0.45	57.78% (+0.26)
Nov 07, 2024	2024 (Q3)	0.88 / 0.88	0.55	60.00% (+0.33)
Aug 01, 2024	2024 (Q2)	0.83 / 0.93	0.39	138.46% (+0.54)
May 02, 2024	2024 (Q1)	0.72 / 0.85	0.4	112.50% (+0.45)
Feb 22, 2024	2023 (Q4)	0.58 / 0.45	0.22	104.55% (+0.23)
Nov 02, 2023	2023 (Q3)	0.47 / 0.55	0.42	30.95% (+0.13)	―
Aug 03, 2023	2023 (Q2)	0.36 / 0.39	0.18	116.67% (+0.21)	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

GB:0L95 Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Aug 07, 2025	$76.39	$74.01	-3.12%
May 01, 2025	$59.13	$46.67	-21.08%
Feb 20, 2025	$82.83	$68.42	-17.39%
Nov 07, 2024	$75.88	$72.08	-5.01%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Block (GB:0L95) report earnings?

Block (GB:0L95) is schdueled to report earning on Oct 30, 2025, After Close (Confirmed).

What is Block (GB:0L95) earnings time?

Block (GB:0L95) earnings time is at Oct 30, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is the P/E ratio of Block stock?

The P/E ratio of Block is N/A.

What is GB:0L95 EPS forecast?

GB:0L95 EPS forecast for the fiscal quarter 2025 (Q3) is 0.64.

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