XYZBlock, Inc.

Financials · Software · NYSE, OTC

At Block, Inc. (together with its subsidiaries, "Block" or "we"), we are building technology that enables people and businesses to participate more fully in the economy. 10-K, Item 1

Employees: 10,205
Headquarters: Oakland, CA
CEO: Jack Dorsey
Next results: around Feb 25, 2027

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XYZ and 9 peers, year by year

The 9 Financials companies closest to XYZ in revenue over the last twelve months. Every number is from the 10-K and links to it in SEC's Inline XBRL viewer.

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Each company's latest fiscal year
Company	Year	Revenue	Sales growth	Gross margin	Operating margin	Net margin	FCF margin	Return on equity	Debt / equity
XYZ Block, Inc.	FY2025	$24.2B	+0.3%	42.8%	7.1%	5.4%	10.0%	5.9%	0.33
PNC PNC Financial Services	FY2025	$23.1B	+7.2%	-	-	28.5%	-	10.9%	0.94
SCHW Charles Schwab Corporation	FY2025	$23.9B	+22.0%	-	-	37.0%	36.6%	17.9%	0.49
AIG American International Group	FY2025	$26.8B	−1.7%	-	-	11.6%	-	7.5%	0.22
MRSH Marsh McLennan	FY2025	$27.0B	+10.3%	-	23.1%	15.4%	18.5%	27.2%	1.28
BLK BlackRock	FY2025	$24.2B	+18.7%	-	29.1%	22.9%	14.7%	9.9%	0.23
BNY BNY Mellon	FY2025	$20.1B	+7.8%	-	-	27.6%	25.8%	12.5%	0.76
HIG The Hartford	FY2025	$28.4B	+3.3%	-	-	13.5%	20.3%	20.2%	0.23
USB U.S. Bancorp	FY2025	$28.7B	+4.4%	-	-	26.4%	-	11.6%	1.20
FISV Fiserv	FY2025	$21.2B	+3.6%	-	27.5%	16.4%	20.3%	13.5%	1.12

Revenuepeer median $24.2B

Sales growthpeer median +7.2%

Operating marginpeer median 27.5%

BLK 29.1%
FISV 27.5%
MRSH 23.1%
XYZ 7.1%
PNC -
SCHW -
AIG -
BNY -
HIG -
USB -

Net marginpeer median 22.9%

FCF marginpeer median 20.3%

Return on equitypeer median 12.5%

Debt / equitypeer median 0.76

RevenueSales growthGross marginOperating marginNet marginFree cash flowFCF marginReturn on equityDebt / equityEPS (diluted)

Revenue, FY2016 to FY2025

Revenue as reported in the 10-K.

Company	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
XYZ Dec	$1.7B	$2.2B	$3.3B	$4.7B	$9.5B	$17.7B	$17.5B	$21.9B	$24.1B	$24.2B
PNC Dec	$15.2B	$16.3B	$16.2B	$16.8B	$16.9B	$19.2B	$21.1B	$21.5B	$21.6B	$23.1B
SCHW Dec	$7.5B	$8.6B	$10.1B	$10.7B	$11.7B	$18.5B	$20.8B	$18.8B	$19.6B	$23.9B
AIG Dec	$52.4B	$47.4B	-	$49.7B	$43.7B	$52.2B	$30.0B	$27.9B	$27.3B	$26.8B
MRSH Dec	$13.2B	$14.0B	$14.9B	$16.7B	$17.2B	$19.8B	$20.7B	$22.7B	$24.5B	$27.0B
BLK Dec	-	-	-	-	-	-	$17.9B	$17.9B	$20.4B	$24.2B
BNY Dec	$15.2B	$15.5B	$16.4B	$16.5B	$15.8B	$15.9B	$16.5B	$17.7B	$18.6B	$20.1B
HIG Dec	$16.3B	$17.2B	$19.0B	$20.7B	$20.5B	$22.4B	$22.4B	$24.5B	$26.5B	$28.4B
USB Dec	$21.3B	$21.9B	$22.6B	$22.9B	$23.2B	$22.7B	$24.3B	$28.1B	$27.5B	$28.7B
FISV Dec	$5.5B	$5.7B	$5.8B	$10.2B	$14.9B	$16.2B	$17.7B	$19.1B	$20.5B	$21.2B
Peer median	$15.2B	$15.9B	$16.2B	$16.7B	$17.1B	$19.5B	$20.8B	$21.5B	$21.6B	$24.2B

Sales growth, FY2016 to FY2025

Revenue against the fiscal year before.

Company	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
XYZ Dec	+34.9%	+29.6%	+49.0%	+42.9%	+101%	+86.0%	−0.7%	+25.0%	+10.1%	+0.3%
PNC Dec	−0.4%	+7.7%	+4.9%	+4.0%	+0.4%	+13.7%	+9.9%	+1.8%	+0.3%	+7.2%
SCHW Dec	+17.2%	+15.2%	+17.6%	+5.8%	+9.0%	+58.4%	+12.1%	−9.3%	+4.1%	+22.0%
AIG Dec	−10.2%	−4.3%	-	+5.0%	−12.1%	+19.0%	+4.4%	−6.9%	−2.5%	−1.7%
MRSH Dec	-	+6.2%	+6.6%	+11.4%	+3.4%	+15.1%	+4.5%	+9.7%	+7.6%	+10.3%
BLK Dec	-	-	-	-	-	-	-	−0.1%	+14.3%	+18.7%
BNY Dec	+0.6%	+2.2%	+5.5%	+0.4%	−4.0%	+0.8%	+2.8%	+7.1%	+5.2%	+7.8%
HIG Dec	+0.7%	+5.3%	+13.2%	−1.0%	−3.1%	+15.4%	−9.3%	−2.9%	+5.5%	+3.3%
USB Dec	+4.9%	+3.5%	+3.4%	+1.1%	+1.5%	−2.2%	+7.0%	+15.8%	−2.4%	+4.4%
FISV Dec	+4.8%	+3.5%	+2.2%	+74.9%	+45.8%	+9.3%	+9.3%	+7.6%	+7.1%	+3.6%
Peer median	+0.7%	+4.4%	+5.5%	+4.5%	+0.9%	+14.4%	+5.7%	+1.8%	+5.2%	+7.2%

Gross margin, FY2016 to FY2025

Gross profit / revenue.

Company	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
XYZ Dec	33.7%	37.9%	39.5%	40.1%	28.8%	25.0%	34.2%	34.2%	36.9%	42.8%
PNC Dec	-	-	-	-	-	-	-	-	-	-
SCHW Dec	-	-	-	-	-	-	-	-	-	-
AIG Dec	-	-	-	-	-	-	-	-	-	-
MRSH Dec	-	-	-	-	-	-	-	-	-	-
BLK Dec	-	-	-	-	-	-	-	-	-	-
BNY Dec	-	-	-	-	-	-	-	-	-	-
HIG Dec	-	-	-	-	-	-	-	-	-	-
USB Dec	-	-	-	-	-	-	-	-	-	-
FISV Dec	-	-	-	-	-	-	-	-	-	-
Peer median	-	-	-	-	-	-	-	-	-	-

Operating margin, FY2016 to FY2025

Operating income / revenue.

Company	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
XYZ Dec	−10.0%	−2.4%	−1.1%	0.6%	−0.2%	0.9%	−3.6%	−1.3%	3.7%	7.1%
PNC Dec	-	-	-	-	-	-	-	-	-	-
SCHW Dec	-	-	-	-	-	-	-	-	-	-
AIG Dec	-	-	-	-	-	-	-	-	-	-
MRSH Dec	18.4%	18.9%	18.5%	16.1%	17.8%	21.8%	20.7%	23.2%	23.8%	23.1%
BLK Dec	-	-	-	-	-	-	35.7%	35.1%	37.1%	29.1%
BNY Dec	-	-	-	-	-	-	-	-	-	-
HIG Dec	-	-	-	-	-	-	-	-	-	-
USB Dec	-	-	-	-	-	-	-	-	-	-
FISV Dec	26.2%	26.9%	30.1%	15.8%	12.5%	14.1%	21.1%	26.3%	28.7%	27.5%
Peer median	-	-	-	-	-	-	21.1%	26.3%	28.7%	27.5%

Net margin, FY2016 to FY2025

Net income / revenue.

Company	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
XYZ Dec	−10.0%	−2.8%	−1.2%	8.0%	2.2%	0.9%	−3.1%	0.0%	12.0%	5.4%
PNC Dec	24.2%	30.9%	26.3%	25.4%	16.1%	28.2%	27.0%	23.9%	25.5%	28.5%
SCHW Dec	25.3%	27.3%	34.6%	34.5%	28.2%	31.6%	34.6%	26.9%	30.3%	37.0%
AIG Dec	−1.6%	0.0%	-	6.7%	−13.6%	19.9%	34.1%	13.0%	−5.2%	11.6%
MRSH Dec	13.4%	10.6%	11.0%	10.5%	11.7%	15.9%	14.7%	16.5%	16.6%	15.4%
BLK Dec	-	-	-	-	-	-	29.0%	30.8%	31.2%	22.9%
BNY Dec	23.3%	26.3%	26.0%	27.0%	22.9%	23.6%	15.5%	18.7%	24.3%	27.6%
HIG Dec	5.5%	−18.2%	9.5%	10.1%	8.5%	10.6%	8.1%	10.2%	11.7%	13.5%
USB Dec	27.6%	28.4%	31.3%	30.2%	21.4%	35.0%	24.0%	19.3%	22.9%	26.4%
FISV Dec	16.9%	21.9%	20.4%	8.8%	6.5%	8.2%	14.3%	16.1%	15.3%	16.4%
Peer median	20.1%	24.1%	26.0%	18.0%	13.9%	21.7%	24.0%	18.7%	22.9%	22.9%

Free cash flow, FY2016 to FY2025

Cash from operations minus capital spending.

Company	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
XYZ Dec	−$2.3M	$101.6M	$233.9M	$265.1M	$34.7M	$713.5M	$5.1M	−$50.2M	$1.6B	$2.4B
PNC Dec	-	-	-	-	-	-	-	-	-	-
SCHW Dec	$3.3B	−$1.2B	$11.9B	$8.6B	$6.2B	$1.2B	$1.1B	$18.9B	$2.0B	$8.8B
AIG Dec	$2.4B	−$762.0M	-	−$2.1B	$685.0M	$5.9B	$3.9B	$6.0B	-	-
MRSH Dec	$1.8B	$1.6B	$2.1B	$1.9B	$3.0B	$3.1B	$3.0B	$3.8B	$4.0B	$5.0B
BLK Dec	-	-	-	-	-	-	$4.4B	$3.8B	$4.7B	$3.6B
BNY Dec	$5.4B	$3.5B	$4.9B	−$1.1B	$3.8B	$1.6B	$13.7B	$4.7B	−$782.0M	$5.2B
HIG Dec	$1.8B	$1.9B	$2.7B	$3.4B	$3.8B	$4.0B	$3.8B	$4.0B	$5.8B	$5.8B
USB Dec	-	-	-	-	-	-	-	-	-	-
FISV Dec	$1.1B	$1.2B	$1.2B	$2.1B	$3.2B	$2.9B	$3.1B	$3.8B	$5.1B	$4.3B
Peer median	$2.1B	$1.4B	$2.7B	$2.0B	$3.5B	$3.0B	$3.8B	$4.0B	$4.3B	$5.1B

FCF margin, FY2016 to FY2025

Free cash flow / revenue.

Company	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
XYZ Dec	−0.1%	4.6%	7.1%	5.6%	0.4%	4.0%	0.0%	−0.2%	6.4%	10.0%
PNC Dec	-	-	-	-	-	-	-	-	-	-
SCHW Dec	43.6%	−14.4%	117.3%	80.4%	53.2%	6.5%	5.2%	100.3%	10.5%	36.6%
AIG Dec	4.6%	−1.6%	-	−4.2%	1.6%	11.3%	13.1%	21.5%	-	-
MRSH Dec	13.3%	11.3%	14.1%	11.7%	17.6%	15.7%	14.5%	16.9%	16.3%	18.5%
BLK Dec	-	-	-	-	-	-	24.7%	21.4%	23.0%	14.7%
BNY Dec	35.8%	22.3%	29.8%	−6.8%	24.1%	10.2%	83.0%	26.5%	−4.2%	25.8%
HIG Dec	11.3%	11.3%	14.4%	16.3%	18.3%	17.7%	17.1%	16.3%	21.7%	20.3%
USB Dec	-	-	-	-	-	-	-	-	-	-
FISV Dec	20.7%	21.0%	20.5%	20.4%	21.9%	17.7%	17.7%	19.8%	24.7%	20.3%
Peer median	17.0%	11.3%	20.5%	14.0%	20.1%	13.5%	17.1%	21.4%	19.0%	20.3%

Return on equity, FY2016 to FY2025

Net income / shareholders' equity at the year end.

Company	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
XYZ Dec	−29.8%	−8.0%	−3.4%	21.9%	7.9%	5.1%	−3.1%	0.1%	13.6%	5.9%
PNC Dec	8.0%	10.6%	8.9%	8.7%	5.0%	9.7%	12.5%	10.0%	10.1%	10.9%
SCHW Dec	11.5%	12.7%	17.0%	17.0%	5.9%	10.4%	19.6%	12.4%	12.3%	17.9%
AIG Dec	−1.1%	0.0%	-	5.1%	−9.0%	15.7%	25.0%	8.0%	−3.3%	7.5%
MRSH Dec	28.2%	20.0%	21.8%	21.9%	21.8%	28.0%	28.4%	30.4%	30.0%	27.2%
BLK Dec	-	-	-	-	-	-	13.7%	14.0%	13.4%	9.9%
BNY Dec	9.1%	9.9%	10.5%	10.7%	7.9%	8.7%	6.3%	8.1%	11.0%	12.5%
HIG Dec	5.3%	−23.2%	13.8%	12.8%	9.4%	13.3%	13.3%	16.3%	18.9%	20.2%
USB Dec	12.4%	12.7%	13.9%	13.3%	9.3%	14.5%	11.5%	9.8%	10.8%	11.6%
FISV Dec	36.6%	45.6%	51.8%	2.7%	3.0%	4.3%	8.2%	10.3%	11.6%	13.5%
Peer median	10.3%	11.7%	13.9%	11.8%	6.9%	11.9%	13.3%	10.3%	11.6%	12.5%

Debt / equity, FY2016 to FY2025

Total debt / shareholders' equity at the year end.

Company	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
XYZ Dec	0.00	0.46	0.80	0.55	0.96	1.39	0.24	0.22	0.29	0.33
PNC Dec	-	-	-	-	-	-	1.28	1.42	1.13	0.94
SCHW Dec	0.18	1.07	0.33	0.34	0.24	0.39	0.58	0.64	0.46	0.49
AIG Dec	0.41	0.61	-	0.54	0.57	0.46	0.70	0.24	0.21	0.22
MRSH Dec	0.77	0.74	0.77	1.51	1.22	0.98	1.07	1.09	1.47	1.28
BLK Dec	-	-	-	-	-	-	-	0.20	0.26	0.23
BNY Dec	0.63	0.68	0.72	0.66	0.57	0.60	0.75	0.77	0.75	0.76
HIG Dec	0.33	0.35	0.33	0.27	0.23	0.28	0.32	0.28	0.27	0.23
USB Dec	1.00	1.00	1.09	1.23	1.00	0.80	1.40	1.21	1.26	1.20
FISV Dec	1.80	1.79	2.60	0.66	0.64	0.69	0.69	0.77	0.92	1.12
Peer median	0.63	0.74	0.74	0.66	0.57	0.60	0.72	0.77	0.75	0.76

EPS (diluted), FY2016 to FY2025

Diluted earnings per share, on today's share count after splits.

Company	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
XYZ Dec	−$0.50	−$0.17	−$0.09	$0.81	$0.44	$0.33	−$0.93	$0.02	$4.56	$2.10
PNC Dec	$7.30	$10.36	$10.71	$11.39	$16.96	$12.70	$13.85	$12.79	$13.74	$16.59
SCHW Dec	$1.31	$1.61	$2.45	$2.67	$2.12	$2.83	$3.50	$2.54	$2.99	$4.65
AIG Dec	−$0.78	−$0.01	-	$3.74	−$6.88	$11.95	$12.94	$4.98	−$2.17	$5.43
MRSH Dec	$3.38	$2.87	$3.23	$3.41	$3.94	$6.13	$6.04	$7.53	$8.18	$8.43
BLK Dec	-	-	-	-	-	-	$33.97	$36.51	$42.01	$35.31
BNY Dec	$3.15	$3.72	$4.04	$4.51	$3.83	$4.14	$2.88	$3.89	$5.80	$7.40
HIG Dec	$2.27	−$8.61	$4.95	$5.66	$4.76	$6.64	$5.46	$7.97	$10.35	$13.32
USB Dec	$3.24	$3.51	$4.14	$4.16	$3.06	$5.10	$3.69	$3.27	$3.79	$4.62
FISV Dec	$2.08	$2.89	$2.87	$1.71	$1.40	$1.99	$3.91	$4.98	$5.38	$6.34
Peer median	$2.71	$2.88	$4.04	$3.95	$3.45	$5.62	$5.46	$4.98	$5.80	$7.40

Fiscal years are lined up as each company's 10-K names them; the month next to a ticker is when its year ends. Hover a number for the XBRL line items and the filing; click it to open the filing on sec.gov. "n/m" means not meaningful: equity below zero, or a base so close to zero that the ratio says nothing. The peer median leaves out XYZ and needs at least three peers with the number. P/E, P/S and P/FCF at each year end appear here once the site has daily prices. What the same companies write about AI, tariffs and more →

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