Block (XYZ)
NYSE:XYZ
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Earnings Data
Report Date
Jul 30, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
0.86Last Year’s EPS
0.62Same Quarter Last Year
Strong Buy
Based on 30 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented broad-based operational and financial momentum: strong Q1 results that beat guidance, raised full-year targets, record adjusted profitability, accelerated product velocity and early AI-driven product adoption (Moneybot, Managerbot, Neighborhoods). Key growth engines — Cash App lending/BNPL integration, Square GPV expansion including international and mid-market — showed meaningful acceleration. Offsets include expected normalization of Borrow, moderated actives/MTU growth, near-term step-up in go-to-market investment, hardware-related gross profit dynamics, and operational friction from increased code volume. Management provided clear guidance and conviction in mid-teens exit gross profit growth, while calling out timing and one-time items that will influence comparability in the near term.Company Guidance
Beat-and-Raise: Strong Q1 and Upgraded Full-Year Outlook
Exceeded Q1 guidance and raised 2026 outlook: now expect $12.33B in gross profit (19% YoY growth, +1ppt vs prior guide), $3.34B adjusted operating income, and $3.85 adjusted diluted EPS (expected +62% YoY). Q2 guide: $3.04B gross profit (20% YoY), $740M adjusted operating income (35% YoY, +2ppt margin expansion), and $0.86 adjusted diluted EPS (+39% YoY).
Record Adjusted Profitability and Earnings
Q1 adjusted operating income reached $728M (+56% YoY) at a 25% margin; adjusted EBITDA hit $1.0B; adjusted diluted EPS grew 52% YoY to $0.85. Leadership noted all-time highs for these adjusted metrics on a dollar and margin basis.
Cash App: Rapid Gross Profit and Engagement Growth
Cash App gross profit grew 38% YoY to drive overall results; monthly transacting actives grew 4% YoY, inflows per transacting active up 10% YoY, and primary banking actives grew 18% YoY to 9.7M. Consumer lending originations rose 82% YoY.
Square: Accelerating GPV and International Strength
Square GPV grew 13% YoY (11.5% constant currency) with gross profit up 9% YoY. Key vertical acceleration: food & beverage GPV +21% YoY and mid-market GPV +22% YoY. International GPV grew 35% YoY (26% constant currency).
Product and AI Momentum — Faster Velocity and New Features
Production code changes per engineer increased more than 2.5x from January to April; production changes by non-engineers were up nearly 60% in April vs January. Moneybot reached GA across Cash App; Managerbot enabled for >1M sellers; Cash App Score rollout started.
Early Traction for Intelligence Products and Cross-Sell
Managerbot retention and reuse have exceeded early expectations; Moneybot saw ~1M actives use it in a week and >33% of Moneybot-driven money movements attach to a new product, signaling strong cross-sell potential. Neighborhoods reached $320M annualized GPV (up 190% since December) and added more sellers in April than in its prior history.
Go-to-Market and Channel Expansion Showing ROI
Sustained new volume added (NVA) growth driven by field sales, self-onboard, and ISOs. ISO channel scaled to >140 active partners and is ramping quickly; field sales and marketing producing strong payback (4–6 quarter payback cited).
Product Releases and Platform Improvements
Launched next-generation Square Register, expanded Square Bitcoin payments into retail/services, rolled out dozens of seller features, and expanded BNPL (Afterpay) across Cash App including pre-purchase and peer-to-peer integrations.
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 |
|---|---|---|---|
May 07, 2026 | $70.14 | $74.85 | +6.72% |
Feb 26, 2026 | $54.53 | $63.70 | +16.82% |
Nov 06, 2025 | $70.93 | $65.45 | -7.73% |
Aug 07, 2025 | $76.85 | $73.39 | -4.50% |
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 Jul 30, 2026, After Close (Confirmed).
What is Block (XYZ) earnings time?
Block (XYZ) earnings time is at Jul 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 (Q2) is 0.86.
