NAS10026,630−6.36%S&P7,354−4.36%GOLD$4,081−0.79%BTC$76,028+0.11%VIX25.90−8.09%latest tape · as of 10:11 UTC
The Screen · Financials · Software - Infrastructure
XYZBlock, Inc.
XYZ · a US exchange · USD · Market cap $46.2B · 10,205 employees
Block, Inc., together with its subsidiaries, builds ecosystems focused on commerce and financial products and services in the United States and internationally.
FAIL · Does not pass the screen
84.04 USD
Price as of 5 Nov 2026Daily close, not a live quote
Screened 2026-11-05 · the tape above runs as of 10:11 UTC · two dates, stated on purpose · verdict and workings shown in full · never trimmed
Key facts today
Price84.04 USD at the 5 Nov 2026 close
Our value readFair vs our fair value, as of 5 Nov 2026
Positioning no disclosures inside 60 days, left as found
Options put/call open interest 0.33, read 2026-11-02
Ethical does not pass the values gate
Price84.04 USD
Fair value89.05
Ethical score10.0/100
Value readFairas of 5 Nov 2026
Our investment reviews on this name
2026-10-27Read Accumulation79.83+5.3% to today ✓Markdown gives way to Accumulation after a 17% rise in 17 weeks
2026-07-02Read Markdown68.15+23.3% to today First review on file: Markdown
Our analytic regime reads on this name, dated and marked against the screened price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
Block, Inc. holds its Markdown at $84.04. Consolidating, no directional conviction, held for 51 days.
As held on the ledger · 2026-11-05
Phase
Markdown · caution
Quantitative state
Consolidating, no directional conviction, held for 51 days
Price at the screen
$84.04
Valuation
137.41 trailing · 14.78 forward price to earnings
Values screen
FAIL· score 10.0
Beta
2.55
The Workings
Five Screens, Shown in Full
Does not pass. Business activity screen
Test
Figure
Limit
What it means
Status
Business activity
Excluded
Core business clean
Business activity: Financials sector
Fail
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
The Ethical Read
Why It Falls Short, in Plain English
Block, does not clear the screen at the business-activity stage. It operates in conventional financial services, which the screen treats as interest-based, so the financial ratios are not the deciding factor here.
Read as at 2026-11-05. It updates when the underlying figures move, and past reads are kept below.
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What the Numbers Say It Is Worth
The Fair Value Range
Our analysis reads Fair vs our fair value, as of 5 Nov 2026: it trades at roughly a 2% discount to our $89.05 fair value, weak competitive moat, 9.30% revenue growth.
Fair value range in USD, drawn from the 2026-11-05 screen. The gold marker is the market price at the same screen. A 5.6% discount to the base estimate.
Third-party analyst targets: 42 covering, consensus Buy. The average target sits +19% from the screen price.
Reading the gap · Our more conservative model reads it as roughly fairly valued here, while the Street is more bullish: a quality-at-a-fair-price name rather than a deep-value one.
Where our models see it going: fair-value estimate $89.05, with a range of $67.50 to $102.41, dated to the 2026-11-05 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Cash App's weak numbers fail ethical test
Millions tap Cash App to split bills or move wages, yet the business shows little real strength behind the screen. We pass because revenue grows only 5 percent, profit margins sit at 3 percent and return on equity reaches just 4 percent, with a weak moat and a clear fail on our business activity screen.
At 15.8 times forward earnings the valuation leaves almost no room for error against a 4 percent margin of safety. The numbers point to a company that is neither growing fast enough nor earning enough to justify the price.
Analyst targets sit higher but they overlook the ethical red flag and the thin cushion if growth slows further. Analysis, not advice.
Another profit measure, before interest, tax and non-cash costs: EBITDA.
The risks · The things to watch: it already moves more than the market on an average day.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
XYZ trades on a US exchange. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-11-03Accumulation$76.22+0.0%Entry 16
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 10% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 3%. Our forward projection puts the odds of a 10% gain over the next month near 27%. The street (41 analysts) rates it buy, with a mean price target of $90. It reported earnings in this window, a natural checkpoint for the thesis.
2026-11-02Accumulation$76.22+0.0%Entry 15
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 10% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 3%. Our forward projection puts the odds of a 10% gain over the next month near 27%. The street (41 analysts) rates it buy, with a mean price target of $90. It reported earnings in this window, a natural checkpoint for the thesis.
2026-11-01Accumulation$76.22-0.9%Entry 14
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.9% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 10% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 3%. Our forward projection puts the odds of a 10% gain over the next month near 27%. The street (41 analysts) rates it buy, with a mean price target of $90. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-31Accumulation$76.95+0.0%Entry 13
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 10% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 3%. Our forward projection puts the odds of a 10% gain over the next month near 27%. The street (41 analysts) rates it buy, with a mean price target of $90. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-30Accumulation$76.95+0.6%Entry 12
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved up 0.6% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 10% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 3%. Our forward projection puts the odds of a 10% gain over the next month near 27%. The street (41 analysts) rates it buy, with a mean price target of $90. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-29Accumulation$76.46-4.2%Entry 11
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 4.2% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 10% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 3%. Our forward projection puts the odds of a 10% gain over the next month near 27%. The street (41 analysts) rates it buy, with a mean price target of $90. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-28Accumulation$79.83+0.0%Entry 10
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 10% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 3%. Our forward projection puts the odds of a 10% gain over the next month near 27%. The street (41 analysts) rates it buy, with a mean price target of $90. It reported earnings in this window, a natural checkpoint for the thesis.
The framework has shifted from markdown to accumulation since the last review. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 10% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 3%. Our forward projection puts the odds of a 10% gain over the next month near 27%. The street (41 analysts) rates it buy, with a mean price target of $90. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-25Markdown$79.83+0.0%Entry 8
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 10% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 3%. Our forward projection puts the odds of a 10% gain over the next month near 27%. The street (41 analysts) rates it buy, with a mean price target of $90.
2026-10-18Markdown$79.83+8.9%Entry 7
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved up 8.9% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading neutral. Over the past year the shares are up 3%. Our forward projection puts the odds of a 10% gain over the next month near 27%. The street (41 analysts) rates it buy, with a mean price target of $90.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.