Rankings Financial data & insurance broking Block
Block
78
15070100
A view of the same findings, not a new score. How it works
In the 70+ zone: a score above 70 with more than 20% upside to the median analyst target.
Biggest deductions
- Margin−5
- Credit losses−5
- Quality of growth−4
Strengths
- Raised guidance+2
- Buybacks+1
How the score is built
From 100 to 78, step by step: points off for the business, the price and the cracks, back for documented strengths, then three data adjustments.
Start
Score
Hover or select a step to see what drove it. Steps with findings open them below.
Key numbers
As of 2 Nov 2026. Analyst targets tend to be optimistic; read upside as a hint, not a forecast.
- Price
- 77.08 USD
- Median analyst target
- 100.00 USD
- Upside to median
- +29.7%
- Analysts
- 47
- Target range
- 75.00 – 125.00 USD
- 52-week change
- +2%
- P/E (trailing)
- 131.0
- Forward P/E
- 16.8
- PEG
- 0.51
Findings
Every deduction and every plus, with its source. Open a step to read them.
Business
Is the company getting stronger, not just bigger? · 4 findings−13 of −30
- −5MarginGAAP operating margin 4.9% and net margin 1.4% (TTM) vs 7.3% and 5.4% in 2025; the adjusted operating margin of 27% of gross profit excludes restructuring and stock-based compensation.
- −2
- −4Quality of growthCash App users grew only 3% (monthly transacting actives), and management expects low single-digit growth in 2026; growth is carried by consumer loans (Borrow originations +59% to USD 18.9bn), i.e. credit-driven growth.
- −2Stock-based compensationStock-based compensation of about USD 1.2bn a year since 2023 (about 10% of gross profit); the buybacks largely go to offset it.
Price
Today's multiples against the company's own history and its peers. · 2 findings−3 of −35
- −2Multiples vs own historyForward P/E 17.5 vs 20.3-39.8 in 2022-2025 and EV/revenue 1.9 vs 1.6-4.3: at the low end of the history, but on an adjusted EPS estimate (4.05 USD for 2026) that is far above GAAP EPS of 0.59 USD.
- −1FCF qualityP/FCF 12.4 looks cheap, but FCF rose from USD 2.4bn to 3.9bn in half a year, and analysts expect only USD 2.9bn for 2026 – the figure is uncertain due to customer and lending flows.
Cracks
Cash flow, customers, debt, insiders, guidance and what sits behind the headline numbers. · 5 findings−13 of −35
- −5Credit lossesLosses on transactions, loans and consumer receivables rose to USD 500m in Q1 2026 from 170m a year earlier, as lending volume rose 82%.
- −3Restructuring and executionThe workforce was cut by over 40% in February 2026 (restructuring costs of USD 495m in Q1) - the third major cut in two years, justified by AI operations; execution and product development risk.
- −2SlowdownGross profit growth is expected to fall to 18% in Q3 from 25% in Q2, and Borrow growth normalizes in H2 against tough comparisons.
- −2Bitcoin exposureThe bitcoin holding produced an unrealized loss of USD 88.5m in Q2, and GAAP EPS was only USD 0.15; bitcoin business gross profit fell 31%.
- −1Hardware costsManagement points to rising memory prices due to 'unprecedented' supply constraints, which hit Square hardware, as well as rising AI costs.
Plus
Only documented strengths. · 2 findings+3 of +15
- +2Raised guidanceFull-year guidance raised to gross profit of 12.51bn USD (+21%) and adjusted operating income of 3.47bn USD; Cash App gross profit rose 31% in Q2.
- +1BuybacksBuybacks of USD 1.89bn TTM are below FCF (3.9bn; also in 2025: 2.33 vs 2.43bn), no dividend, and the share count fell 3.7% in a year.
Caveats
What the score does not capture, or where the data is weak.
Ticker XYZ (formerly SQ). Revenue includes bitcoin sales on a gross basis (USD 7.7bn TTM at a low margin), so gross profit is the relevant growth measure. stockanalysis' FCF of USD 3.9bn TTM may be affected by customer funds and lending flows; no plus/deduction is given on that figure alone. GAAP figures are weighed down by restructuring costs of USD 495m in Q1 and bitcoin price losses. Q3 2026 has not been reported. Regulatory cases from 2025 (CFPB, states) and peer multiples (PayPal, Toast) have not been examined.
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