Block (XYZ) Q4 2025 Earnings Call Transcript

2026-02-27 11:36:35 ET

Image source: The Motley Fool.

Thursday, Feb. 26, 2026 at 5 p.m. ET

Block (NYSE:XYZ) reported significant adjusted operating income and gross profit growth in fiscal Q4 2025, implemented a workforce reduction to just under 6,000 employees, and raised its 2026 profitability outlook. Management increased guidance for both gross profit and adjusted operating income, citing accelerated product innovation driven by AI-supported organizational design. The company’s 2025 financial momentum was reinforced by Cash App user expansion, increased Square GPV, record NVA, and substantial lending origination growth across products. Leadership outlined a future focused on intelligence-driven capabilities, faster decision-making, and deep engagement within its ecosystems, signaling confidence in sustaining long-term growth targets. The revised cost structure is expected to improve profitability throughout 2026, with the majority of operating income gains realized in the second half.

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