Block, Inc. (XYZ) Form 8-K — Nov 3, 2026
Block delivered a strong Q3 2026 beat, with gross profit of $3.24 billion (+22% YoY), Adjusted Operating Income of $923 million (+92% YoY) at a record 29% margin, and Adjusted Diluted EPS of $1.13, up 109% year over year. GAAP diluted EPS was $0.92 and net income attributable to common stockholders was $566 million. The company raised full-year 2026 guidance to $12.626 billion gross profit (+22%), $3.519 billion Adjusted Operating Income (+69%), and $4.15 Adjusted Diluted EPS (+75%), and issued a 2027 outlook calling for at least 15% gross profit growth and 30% Adjusted Operating Income growth to $4.575 billion.
Key figures
- Eps
- 0.92
- Revenue
- 6719359000
- Guidance
- FY2026 gross profit raised to $12.626B (+22% YoY), Adjusted Operating Income $3.519B (28% margin, +69% YoY), Adjusted Diluted EPS $4.15 (+75% YoY); Q4'26 gross profit $3.315B, AOI $1.005B, Adjusted Diluted EPS $1.15; 2027 preliminary outlook: gross profit at least +15% to $14.519B, Adjusted Operating Income +30% to $4.575B.
- Net Income
- 566000000
- Total Debt
- 5723000000
- Revenue Yoy
- +10% (vs $6,115M in Q3 2025)
- Total Assets
- 41235687000
- Cash Position
- $9.2B in cash, cash equivalents, restricted cash and marketable debt securities; $10.1B total liquidity
- Shares Outstanding
- 544,541 thousand Class A + 59,976 thousand Class B
- Square gpv
- $76.4B (+14% YoY)
- Adjusted ebitda
- $1.228B
- Free cash flow q3
- $972M
- Square gross profit
- $1.157B (+14% YoY)
- Adjusted diluted eps
- $1.13 (+109% YoY)
- Gross profit q3 2026
- $3.24B (+22% YoY)
- Cash app gross profit
- $2.07B (+27% YoY)
- Cash app monthly actives
- 60 million (September)
- Adjusted operating income
- $923M (+92% YoY), 29% margin
- Consumer lending originations
- $19.0B (+40% YoY)
- Bitcoin ecosystem gross profit
- $52M (-50% YoY)
AI analysis
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