XYZ Q3 2025 Earnings
Reported Nov 6, 2025 at 4:29 PM ET · SEC Source
Q3 25 EPS
$0.54
MISS 18.18%
Est. $0.66
Q3 25 Revenue
$6.11B
MISS 3.12%
Est. $6.31B
vs S&P Since Q3 25
+7.0%
BEATING MARKET
XYZ +14.4% vs S&P +7.4%
Market Reaction
Did XYZ Beat Earnings? Q3 2025 Results
Block fell short of Wall Street expectations in Q3 2025, posting adjusted diluted EPS of $0.54 against a consensus estimate of $0.66, a miss of 18.18%, while revenue of $6.11 billion trailed the $6.31 billion estimate by 3.12% and grew just 2.3% year… Read more Block fell short of Wall Street expectations in Q3 2025, posting adjusted diluted EPS of $0.54 against a consensus estimate of $0.66, a miss of 18.18%, while revenue of $6.11 billion trailed the $6.31 billion estimate by 3.12% and grew just 2.3% year over year. The headline numbers, however, obscured a more nuanced picture beneath the surface: the shortfall in adjusted EPS reflected Block's revised methodology now incorporating share-based compensation, a change that weighed on the reported figure even as gross profit surged 18% year over year to $2.66 billion. Cash App was the standout engine, with gross profit accelerating 24% year over year and monthly transacting actives reaching 58 million in September, while Square GPV posted its strongest growth since Q2 2023 at 12% year over year. Institutional interest in the stock has continued to build, with new positions being initiated by major financial firms. Looking ahead, Block raised its full-year 2025 gross profit outlook to $10.24 billion, reflecting over 15% growth, with Q4 guidance pointing to 19% gross profit expansion.
Key Takeaways
- • Cash App gross profit growth accelerated to 24% YoY driven by Cash App Borrow, BNPL, and Cash App Card
- • Square GPV growth accelerated to 12% YoY, strongest since Q2 2023
- • Food and beverage GPV growth accelerated to 17% from 10% a year ago
- • Cash App Borrow originations grew 134% YoY with 24% annualized net margins
- • Post-purchase BNPL on Cash App Card crossed $3 billion in annualized originations
- • Gross profit per transacting active reached $94, up 25% YoY
- • Inflows per transacting active growth accelerated to 10% YoY
- • Primary banking actives reached 8.3 million, up 18% YoY
XYZ YoY Financials
Q3 2025 vs Q3 2024, source: SEC Filings
XYZ Revenue by Segment
With YoY comparisons, source: SEC Filings
XYZ Earnings Trends
XYZ vs Market 30 Day Price Reactions
30-day stock return vs benchmark after each earnings
XYZ EPS Trend
Earnings per share: estimate vs actual
XYZ Revenue Trend
Quarterly revenue: estimate vs actual
XYZ Quarterly Results
4 quarters of earnings data
| Quarter | EPS Est. | EPS Act. | Surprise | Revenue | Rev. Surprise |
|---|---|---|---|---|---|
| Q4 25 BEAT FY | $0.64 | $0.65 | +1.67% | $6.25B | -1.41% |
| FY Full Year | $2.39 | $2.37 | -0.69% | $24.19B | -0.37% |
| Q3 25 MISS | $0.66 | $0.54 | -18.18% | $6.11B | -3.12% |
| Q2 25 MISS | $0.68 | $0.62 | -8.78% | $6.05B | -3.79% |
| Q1 25 MISS | $0.94 | $0.56 | -40.68% | $5.77B | -6.63% |