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XYZ Block, Inc.

payments · 2026-10-21

N/A
too hard · 51
Owner-earnings value$13.31
Price$78.10
Margin of safety -83.0%

Quality gate · 51/100

Returns on capital 0/30
Consistency 8.6/22
Margins / pricing power 12.6/16
Balance sheet 15.8/16
Cash conversion 10/10
Capital allocation 4.4/6

⚠ sub-hurdle returns (median roic 3% < 9%)

Median ROIC2.9%
Gross margin46.4%
Net debt / EBITDA-0.8x
FCF conversion107%
Share count / yr+0.1%
Profitable years3/4

Moat & management

Owner-earnings inputs

Owner earnings (TTM)560.72M
Owner-earnings yield1.2%
Free-cash-flow yield8.3%
Growth used (normalized)10.0%
Market-implied growth (reverse DCF)25.0%
Terminal growth3.0%
Discount rate (hurdle)14.1%

Projected owner earnings

YrOwner earningsGrowthPV
1513.86M 10.0%450.29M
2561.25M 9.2%430.98M
3608.64M 8.4%409.56M
4655.31M 7.7%386.41M
5700.45M 6.9%361.93M
6743.26M 6.1%336.54M
7782.90M 5.3%310.64M
8818.56M 4.6%284.61M
9849.49M 3.8%258.82M
10874.97M 3.0%233.61M

⚠ maintenance capex ≈ min(capex, D&A), capped at FCF · Net cash 2.4B credited to value (interest stripped from owner earnings to avoid double-counting). · Price pays for ~25%/yr owner-earnings growth over 10y (reverse DCF); model credits 10%.

History

DateQualityPriceValueMoSRating
2026-10-21 51 $78.10 $13.31 -83.0% N/A
2026-10-07 51 $76.54 $13.12 -82.9% N/A
2026-09-23 51 $77.53 $13.51 -82.6% N/A
2026-09-09 51 $80.10 $13.71 -82.9% N/A
2026-08-26 51 $82.72 $13.94 -83.1% N/A
2026-08-12 51 $79.07 $13.88 -82.4% N/A
2026-07-29 51 $83.10 $24.01 -71.1% N/A
2026-07-15 51 $79.99 $24.09 -69.9% N/A
2026-07-02 51 $77.13 $24.41 -68.3% N/A
2026-06-25 51 $75.68 $22.36 -70.5% N/A
2026-06-23 51 $72.37 $22.15 -69.4% N/A