# Is Block, Inc (XYZ) overvalued?

Source: https://www.equity-rank.com/is-it-overvalued/XYZ

**On Equity Rank's model estimate, XYZ trades 28% above its fair value.** Block, Inc (XYZ) last closed at $85.48; the multi-method model fair value is $66.89.

| Price | Model fair value | Price vs model |
| --- | --- | --- |
| $85.48 | $66.89 | 28% above |

## What the answer rests on

- 2 of 11 valuation methods put XYZ's value above its price and 9 put it below, so the methods mostly agree.
- To justify today's price, XYZ's free cash flow would need to grow about 11.6% a year for ten years (a reverse discounted cash flow). Over the last three years it actually grew 681.1% a year.
- XYZ trades at 115.3 times its last year's earnings, against a median of 26.9 for 8 profitable Fintech companies.
- Over the past year the price sat below the model fair value on 79% of trading days. The gap ranged from 25% below to 26% above the model fair value.

## Read this before relying on it

The model fair value is an estimate from published financial statements. It is not a forecast of where the price goes, and it can be wrong. Within 10% either side we call it close to fair value: valuation models are not precise enough to read more into a smaller gap. Our own lists have no proven edge over the market yet; [the live record](https://www.equity-rank.com/track-record) shows every result, misses included.

Data as of Fri, Nov 6, 2026. Informational only — not investment advice.

[Every valuation method behind XYZ's fair value](https://www.equity-rank.com/stocks/XYZ) · [What prices assume](https://www.equity-rank.com/priced-in) · [Other companies](https://www.equity-rank.com/is-it-overvalued)

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Fair value is a model estimate under stated assumptions — not a price target, not a prediction, and not a recommendation. This page is research information, not investment advice. Equity Rank is not a registered investment adviser.