XYZBlock, Inc.

$73.33-2.2% 1Y

RyuScore

Seven criteria, each scored 0 to 100 on a published scale, weighted into one number.

RyuScore 41 out of 100, Below average
Today's price. Only valuation depends on it.

Below average. Block, Inc. scores higher than 33% of the 1,794 companies Ryufin scores.

Carried by return on new capital and the balance sheet, held back by return on capital and valuation.

Financial Services median 60 · all companies 53

How the score has moved

At each fiscal year end, from the reports and price of the time
10
32
14
13
27
39
41
202020212022202320242025today

The biggest move was up 22 points from 2020 to 2021, mostly return on new capital.

Valuation

26% of the score, 30% here after data gaps

37median 37

Block, Inc. is valued at 22.8x its operating profit before acquisition amortisation (EBITA), including debt: a rich multiple.

40x
30x
20x
15x
10x
6x
22.8x
Full points at 6x or less, none from 40xfull points

Return on capital

18% of the score, 20% here after data gaps

0median 34

Over 7 years the business earned 1.9% a year after tax on the capital it uses.

2%
8%
15%
25%
1.9%
None at 2% or less, full points from 25%full points
Return on capital by year
7 years agolatest 6.1%

Return on new capital

16% of the score, 18% here after data gaps

100median 49

For every dollar of operating profit earned over 6 years, yearly profit grew by 70 cents. New capital earned 5.5%, and 1273% of profit went back into the business.

-5%
12%
70%
None at minus 5 cents, full points from 12 centsfull points

Capital allocation

14% of the score, 16% here after data gaps

2median 64

How management spends the money: shares bought back or issued, and whether assets grow faster than the business they serve.

Share countUp 5.3% a year over 5 years: new shares
0
5%
-3%
5.3%
0 pointsfull points
Assets against salesAssets grew 32% a year, sales 21%
4
12%
-2%
11%
0 pointsfull points

Cycle position

Taken out: its 12% is shared by the others

n/ano data

Margins have been too thin to measure a cycle against.

Balance sheet

8% of the score, 9% here after data gaps

74median 50

What the debt weighs against the profit that has to carry it.

Net debt to EBITDA0.6x a year of EBITDA
98
4.5x
0.5x
0.6x
0 pointsfull points
Interest coverOperating profit covers interest 7x
49
1.5x
12x
6.7x
0 pointsfull points

Earnings quality

6% of the score, 7% here after data gaps

71median 90

Whether the reported profit arrives as cash, and whether the accounts show the usual signs of stretching.

Cash against profitOperating cash flow was 1.04x profit over 3 years
66
0.7x
1x
1.3x
1x
0 pointsfull points
AccrualsCash ran ahead of profit by 3.3% of assets
77
8%
0%
-8%
-3.3%
0 pointsfull points

How the RyuScore works

Each criterion earns 0 to 100 points on the scale drawn under it, and the RyuScore is their average weighted 26, 18, 16, 14, 12, 8 and 6. Scales bend in the company's favour between their ends, so an ordinary figure is never already near zero. For XYZ, cycle position could not be measured from the filings, so it is taken out and the remaining weights scale up.

Built from the company's annual and quarterly filings with the SEC and today's share price. Banks, insurers and property trusts are not scored: their debt is their raw material, so these yardsticks mean something else there.