Block’s fair value estimate has inched up slightly, with analysts now valuing the stock at $88.51, up from $88.40. This modest increase reflects improving profit expectations amid continued optimism around the company’s growth in payments. Stay tuned to discover how shifting market dynamics shape the evolving narrative for Block and how you can keep up with future updates.
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🐂 Bullish Takeaways
Several analysts maintain optimistic outlooks on Block, emphasizing execution and growth momentum. Jefferies raised its price target to $95, highlighting Square’s U.S. share gains as a primary driver and anticipating positive commentary from management on future opportunities.
Citi initiated coverage with a Buy rating and a $105 price target, noting Block’s renewed focus on accelerating growth and potential for sustained margin improvement in the mid-term.
Wells Fargo began coverage with an Overweight rating and a $91 price target, suggesting untapped opportunities in the payments sector and viewing Block as particularly well positioned despite recent sector-wide challenges.
Mizuho raised its price target to $88, citing Square’s improved transaction volumes and lauding its strong recovery, calling Square the “comeback kid of 2025.”
UBS maintains a Buy rating and a $95 target, pointing to positive trends within both the Square and Cash App ecosystems, including product-driven volume growth and the potential for upward revenue estimate revisions.
Argus raised its price target to $84 after an earnings beat, referencing stronger gross payment volume, improved operating margins, and greater liquidity following S&P 500 index inclusion.
Morgan Stanley increased its target to $77, acknowledging Cash App’s resilience and growth on expanded credit products.
🐻 Bearish Takeaways
Some analysts express caution, focusing on valuation concerns, near-term execution risks, and recent performance shortfalls. RBC Capital lowered its price target to $90, citing a miss in Square’s gross profit growth driven by higher costs and slower acceleration than expected.
Goldman Sachs cut its price target to $82, pointing to a minor Seller GP miss and resulting post-earnings stock volatility but acknowledges Block’s overall growth story remains intact over the longer term.
Piper Sandler reduced its target to $55, focusing on an EPS miss and guidance that failed to surpass consensus expectations, which corresponded with notable declines in after-hours trading.
Truist remains cautious despite incrementally raising its price target to $74, warning that tougher year-over-year comparisons and sector selectivity could impact future results.
BNP Paribas downgraded Block to Hold with an $86 target, signaling growing wariness despite previous optimism.
Together, these analyst perspectives underscore a divided outlook. While many firms reward Block’s ability to execute on growth strategies and recognize positive momentum in volume and profitability, others remain wary of lingering near-term risks and question whether recent progress is fully reflected in current valuation levels. The result is a dynamic and closely watched narrative around Block’s future trajectory.
Do your thoughts align with the Bull or Bear Analysts? Perhaps you think there’s more to the story. Head to the Simply Wall St Community to discover more perspectives or begin writing your own Narrative!
NYSE:XYZ Community Fair Values as at Nov 2025
Square has formed a comprehensive partnership with Grubhub, integrating its point-of-sale systems directly with the delivery platform and introducing Cash App Pay as a flexible new payment method for Grubhub customers.
The company unveiled Square Bitcoin, the first fully integrated solution that allows local businesses to accept bitcoin payments with no processing fees and manage bitcoin alongside traditional finances.
Katz’s Delicatessen, a renowned New York City institution, adopted Square’s platform to streamline operations and support growing nationwide delivery, while maintaining its iconic customer experience.
Chip City Cookies is leveraging Square’s restaurant tools, insights, and loyalty features to drive rapid expansion from coast to coast.
The Fair Value Estimate has risen slightly from $88.40 to $88.51, reflecting an improved profit outlook.
The Discount Rate has decreased marginally from 7.65% to 7.64%, indicating a modest reduction in the forecast risk premium.
The Revenue Growth projection remains unchanged at approximately 11.10% year-over-year.
The Net Profit Margin estimate has edged down from 7.21% to 7.13%, suggesting slightly tempered profitability expectations.
The Future P/E Ratio has increased moderately from 27.10x to 27.43x, implying a small uplift in the forward earnings multiple.
Narratives make investing smarter by connecting a company’s story with financial forecasts and fair value. On Simply Wall St’s Community page, millions of investors use Narratives to share their perspectives, linking numbers to real-world events, their forecasts for revenue, earnings, and margins, and what they think the company is truly worth. Narratives make it easy to compare fair value to share price, decide when to buy or sell, and automatically update as fresh news and data arrive.
Head over to the Simply Wall St Community and read the original Block Narrative to stay informed about:
The catalysts driving user growth, deeper engagement, and expansion into higher-margin revenue streams as Block accelerates product launches and digital asset integration.
Key risks from competition, reliance on cryptocurrency, and the impact of ambitious lending and international expansion strategies on margins and volatility.
How analyst forecasts, valuation assumptions, and market consensus translate Block’s evolving story into an actionable fair value and what that means for your investment decisions.
This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.
Companies discussed in this article include XYZ.
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