Block, Inc. is a U.S. public company founded by Jack Dorsey and Jim McKelvey in 2009. It is a financial technology conglomerate, reportedly serving 56 million users and 4 million businesses, with an annual payment processing volume of US$228 billion as of 2023. The company's flagship product, Square, is a financial services platform for small and medium-sized businesses, enabling credit card payments, e-commerce, customer bookings, inventory management, payroll, banking, and borrowing business loans. Additionally, Block's portfolio includes Cash App, Afterpay, Bitkey, Tidal, and TBD, offering a range of consumer-focused and decentralized finance services.

Jack Dorsey

Jim McKelvey

Carlos Virella

Block, Inc.

LEAFIO AI provides retail automation software that optimizes inventory management, assortment performance, shelf efficiency, and customer loyalty through AI-driven solutions. The service is described as self-described as a provider of cutting-edge technology for operational excellence in retail.

LEAFIO AI

CoreCard Corporation, together with its subsidiaries, offers technology solutions and processing services to the financial technology and services market in the United States, European Union, and the Middle East. It designs, develops, and markets a suite of software solutions to program managers, accounts receivable businesses, financial institutions, retailers, and processors to manage their credit and debit cards, prepaid cards, private label cards, fleet cards, buy now pay later programs, loyalty programs, and accounts receivable and loan transactions. The company's software solutions allow companies to offer various types of transacting account or card issuing program, as well as installment and revolving loans; set up and maintain account data; record advances and payments; assess fees, interests, and other charges; resolve disputes and chargebacks; manage collections of accounts receivable; generate reports; and settle transactions with financial institutions and network associations. The company was formerly known as Intelligent Systems Corporation and changed its name to CoreCard Corporation in December 2021. CoreCard Corporation was founded in 1973 and is headquartered in Norcross, Georgia.

CoreCard Corporation

Coriunder provides backend-as-a-service (BaaS) solutions for payment service providers and fintech startups, focusing on user management, payment processing, and financial services. This is self-described.

Coriunder

Block

Since we opened our doors in 2009, the world of commerce has evolved immensely, and so has Square. After enabling anyone to take payments and never miss a sale, we saw sellers stymied by disparate, outmoded products and tools that wouldn’t work together.

So we expanded into software and started building integrated, omnichannel solutions – to help sellers sell online, manage inventory, offer buy now, pay later functionality through Afterpay, book appointments, engage loyal buyers, and hire and pay staff. Across it all, we’ve embedded financial services tools at the point of sale, so merchants can access a business loan and manage their cash flow in one place. Afterpay furthers our goal to provide omnichannel tools that unlock meaningful value and growth, enabling sellers to capture the next-generation shopper, increase order sizes, and compete at a larger scale.

Today, we are a partner to sellers of all sizes – large, enterprise-scale businesses with complex operations, sellers just starting, as well as merchants who began selling with Square and have grown larger over time. As our sellers grow, so do our solutions. There is a massive opportunity in front of us. We’re building a significant, meaningful, and lasting business and helping sellers worldwide do the same.

Square is part of Block, Inc. (NYSE: SQ), a global technology company with a focus on financial services.

Square

“Physical and mental well-being are strongly related. You have the motivation and drive that you internalize in yourself, and you have to grapple with your mentality on a daily basis, in spite of your physical condition. And if you’re not in the game mentally, you’re more likely to have accidents or injuries that impede your work or routine..”  - Andrew Wong, chef & owner of A.WONG, UK.

Andrew and Darren MacLean, chef & owner at EIGHT, Nupo, and Shokunin, Canada, discuss ways to build rest into the daily grind of a restaurateur’s life in the fifth episode of Cultural Chef Exchange: The Mentorship Series Powered by Square. Learn more about how they lead by example by focusing on their body’s needs: https://squ.re/48ueFtz


Each year, several trends emerge that guide business leaders in determining their marketing strategies. While some trends persist from year to year, new ones also emerge.

Remaining aware of changes in the marketing environment and consumer behaviors can enhance long-term success and expand market reach for your business while strengthening connections with your target audience. Take a look at our forecast of the leading marketing trends for the year: https://squ.re/49kouLV

"It was cool to come in somewhere and have a very singular focus on traceability around our sourcing practices, focusing on one type of food." - Chef Luke Johnson

The team at Hook Fish Co. has made transparency their mission from day one. Sustainability is at the core of everything they serve, from fish tacos to classic fish and chips.

Last week we released the latest edition of our quarterly Restaurant Industry Report, which uses data across Square’s food and beverage sellers to examine dining trends and shifts in both consumer spending and restaurant wages. Here’s a look at a few takeaways in the Report:

1️⃣ Breakfast skews towards delivery
While delivery rates overall have seen a decrease following COVID highs, when comparing the share of delivery versus dine-in rates, consumers opted more for delivery when ordering breakfast compared to any other mealtime as of December 2023.

2️⃣ Restaurants grow with financing
Restaurants need access to capital for a number of reasons, whether it’s to open another location, grow certain areas of operation, or invest in new equipment.

Find the latest insights and takeaways you can use for your restaurant: https://squ.re/3wl8kDs

Massimo Laveglia and Nick Baglivo, owners of L'industrie Pizzeria in New York, stay on top of their business with help from Square. 

They use sales data from their Dashboard to schedule enough employees for peak hours across all locations, and when they're on the go, they can keep tabs on the business right from their phones. 

Learn more: https://squ.re/lindustrie

Metric
Company Name	Block, Inc.	LEAFIO AI	CoreCard Corporation	Coriunder
Symbol			CCRD
MSH ID	COM:SQUAREUP	AI:LEAFIO	COM:CORECARD	COM:CORIUNDER
Market	PRIVATE	PRIVATE	STOCKS	PRIVATE
Sector	Financial Services & Finance	Technology	Technology	Financial Services & Finance
Industry	Financial services	Software & IT Services	Software - Application	Fintech
Country	US	US	US	CY
Stage
Employee Count	7.27K		1.15K
Website	squareup.com	leafio.ai	corecard.com	coriunder.com
LinkedIn	joinsquare	leafio	corecard-software-inc.
Founders

Metric
Market Cap		96.62M
Enterprise Value
Monthly Web Traffic	75.96K	8.47K
Web Traffic Growth	1.82	-0.28
Valuation
Raised Capital

Metric
Revenue			56.00M
Revenue (LTM)
Revenue (NTM)
Gross Profit			19.43M
EBITDA			11.70M
Operating Income			5.31M
Net Income			3.40M
EPS			0.40
Diluted EPS			0.40
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin			0.35
Operating Profit Margin			0.09
EBITDA Margin			0.21
Net Profit Margin			0.06
Return on Equity			0.06
Return on Assets			0.05
Return on Capital Employed			0.10

COM:SQUAREUP

Block, Inc.

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio			25.60
P/B Ratio			1.84
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio			2.41
EV Multiple			27.02

Metric
Days Sales Outstanding			35.94
Days Payables Outstanding			16.75
Days Inventory Outstanding			0.00
Operating Cycle			55.02
Cash Conversion Cycle			37.73
Asset Turnover			0.88

Metric
Operating Cash Flow			16.81M
Free Cash Flow			11.56M
Cash Flow to Debt			16.03
Operating Cash Flow/Sales			0.30
Free Cash Flow Yield			0.09

Metric
Cash & Equivalents			26.92M
Accounts Receivable			5.68M
Inventory			1
Goodwill
Debt to Capitalization			0.04
Debt to Assets			0.06
Current Ratio			4.74
Quick Ratio			5.08

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue			0.00
R&D to Revenue			0.15
SG&A to Revenue			0.09