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Block (XYZ)
NYSE:XYZ
Earnings Data
Report Date
Apr 30, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.68Last Year’s EPS
0.56Same Quarter Last Year
Strong Buy
Based on 29 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presents a predominantly positive outlook: strong quarter and full-year financial results, multiple growth accelerators (Cash App engagement, Borrow origination, Square NVA/GPV) and a meaningful upward revision to 2026 guidance. Management positions a major workforce reduction as a strategic move to capture AI-driven productivity gains and accelerate product velocity; however, the restructuring is a significant near-term risk and timing of cost benefits is backloaded into the year. There are also temporary credit mix and hardware cost headwinds to monitor. Overall, the positive operational momentum, guidance raise, and productivity improvements outweigh the challenges communicated.Company Guidance
Strong Q4 Financial Performance
Q4 gross profit of $2.87 billion, up 24% year-over-year; adjusted operating income of $588 million, up 46% year-over-year with 3 points of margin expansion; adjusted diluted EPS grew 38% year-over-year in Q4.
Strong Full-Year Results
2025 full-year gross profit of $10.36 billion, up 17% year-over-year; adjusted operating income grew 30% year-over-year with 2 points of margin expansion for the year; Company exceeded Rule of 40 in Q4 and expects to sustain it annually.
Raised 2026 Guidance
Increased full-year gross profit guidance to $12.2 billion (18% year-over-year growth) and raised adjusted operating income guidance to $3.2 billion (54% year-over-year growth, ~6 points margin expansion); adjusted diluted EPS guidance raised to $3.66 (54% YoY). Q1 gross profit growth guide of 22% to $2.8 billion.
Cash App Reignition and Engagement
Cash App monthly actives returned to growth, ending Q4 at 59 million; Cash App gross profit grew 33% year-over-year in Q4 to $1.83 billion; primary banking actives grew 22% year-over-year to 9.3 million, with primary banking actives generating nearly 10x the gross profit of peer-to-peer only actives.
Lending Momentum (Borrow & Consumer Lending)
Consumer lending origination volume grew ~50% year-over-year for full year 2025 and 69% year-over-year in Q4; Borrow origination volume grew more than 3x year-over-year in Q4; variable profit margins remained strong despite rapid origination growth.
Square Distribution and Volume Strength
Square delivered its strongest year ever for new volume added (NVA) with 17% growth for 2025 and 29% year-over-year NVA growth in Q4; Square GPV grew 10.3% in Q4 and early Q1 GPV reaccelerated to over 12% year-over-year (through Feb 24).
Product & Hardware Innovation
Launched Square Handheld and second-generation Square Register; began shipping Proto mining rigs with Proto gross profit scaling in Q4; launched Afterpay pre-purchase (Feb) and Pay-in-Four for P2P, expanding BNPL capabilities.
Capital Return
Increased share repurchases: $790 million repurchased in Q4 and $2.3 billion repurchased in 2025 total.
AI & Productivity Gains
Reported >40% increase in production code shipped per engineer since September, citing agentic coding tools and automation that accelerate development and improve velocity.
Healthy Commerce Metrics
Cash App Commerce enablement volume of $54.7 billion in Q4, up 17% year-over-year; commerce monetization rate increased by ~4 basis points year-over-year as Afterpay attach rates rose.
XYZ Earnings History
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
XYZ Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 26, 2026 | $54.53 | ― | ― |
Nov 06, 2025 | $70.93 | $65.45 | -7.73% |
Aug 07, 2025 | $76.85 | $73.39 | -4.50% |
May 01, 2025 | $58.48 | $46.53 | -20.43% |
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 (XYZ) report earnings?
Block (XYZ) is schdueled to report earning on Apr 30, 2026, After Close (Confirmed).
What is Block (XYZ) earnings time?
Block (XYZ) earnings time is at Apr 30, 2026, 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 XYZ EPS forecast?
XYZ EPS forecast for the fiscal quarter 2026 (Q1) is 0.68.
