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Block, Inc. XYZ

equity

Price History

$8.77$95.2$181.64$268.07
2015-11 · DCA start$12.04

Time underwater

How far below its previous all-time high the price sat, each month. 0% means a new high.

-85.0%-56.7%-28.3%0.0%
2015-112026-08 · -70.8%

Worst drawdown: −85%, peaking Aug 2021 and bottoming Oct 2023 — still unrecovered after 60 months.

DCA Backtest

Invested
$13,000
Value today
$24,213
Return
+86.3%
Months invested
130

Scenarios

Inflation — the same contributions merely keeping pace with CPI would be $15,737 today, so the real (inflation-adjusted) return is +53.9%.

Lump sum instead — $13,000 all at once in Nov 2015: $84,522 (+550.2%) — lump sum came out ahead.

Worst timing — same monthly amount started at the all-time high (Aug 2021): $6,487 on $6,100 invested (+6.3%).

⚠ Price returns only — dividends are not included. This understates the true return of dividend-paying shares, and any comparison against crypto (which pays no dividends) is biased against equities by roughly the dividend yield, compounded.

If this saved you a spreadsheet — buy me a coffee.

Every start month at once

Each cell is the return-to-date of £/$/€100-a-month DCA started that month. Click a cell to load it in the backtest above. The ringed cell is the all-time-high start — the worst timing scenario.

JFMAMJJASOND
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
Legend:−50%−20%0%+50%+200%+1000%worst timing (ATH)Selected 2015-11: +86.3%

About Block, Inc.

Block, Inc. is an American technology company and financial services provider for consumers and merchants. Founded in 2009 by Jack Dorsey, it is the U.S. market leader in point-of-sale systems. As of 2024, Block serves 57 million users and 4 million sellers, processing $241 billion in payments annually. (Wikipedia)

It's a listed company categorised under financials and transaction & payment processing services.

It rates High Risk at 3.0/5, meaning several rated factors score badly, so this carries materially more risk than a typical holding.

What pushes the score up: earnings quality (5.0/5) and market / volatility (4.3/5).

Scoring well: leverage / financial at 1.0/5.

Not yet researched: concentration, governance. These are excluded from the score rather than guessed, so the real risk may be higher than what’s shown.

Ratings summarise sourced facts against fixed rules — not investment advice, and no substitute for your own diligence.

Risk Profile

High Risk(3.0/5)80% rated

How these ratings work

Market / Volatility4.3/5 · weight 20%
  • Annualised volatility (3yr)4/550.7
  • Max drawdown from ATH4/585.0
  • Beta vs S&P 5005/52.6
Liquidity1.0/5 · weight 15%
  • Avg daily $ volume1/5445.3m
  • Float % of shares outstandingnot yet researched
Leverage / Financial1.0/5 · weight 20%
  • Debt / equity1/50.26
  • Interest coverage (EBIT / interest)1/56.7
Earnings Quality5.0/5 · weight 15%
  • 3yr EPS volatility5/516,089
Concentrationunrated · weight 10%
  • Largest customer, % of revenuenot yet researched
  • Geographic revenue concentrationnot yet researched
Governanceunrated · weight 10%
  • Board independence %not yet researched
  • Share structurenot yet researched
  • Litigation / audit historynot yet researched
Sector / Regulatory4.0/5 · weight 10%
  • Sector regulatory exposure4/5high

Linked Assets

Same sector, or return-correlated — worth knowing what else might move if this one does.