Is Block, Inc. (XYZ) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | 22.2% / 30% | 29.7% / 30% | 22.0% / 30% | 5.07% / 5% | ✗ NOT HALAL |
| DJIM | 22.2% / 33% | 29.7% / 33% | 22.0% / 33% | 5.07% / 5% | ✗ NOT HALAL |
| MSCI | 22.7% / 33% | 30.3% / 33% | 22.5% / 33% | 5.07% / 5% | ✗ NOT HALAL |
| S&P | 22.2% / 33% | 29.7% / 33% | 22.0% / 33% | 5.07% / 5% | ✗ NOT HALAL |
| FTSE | 22.7% / 33% | 30.3% / 33% | 22.5% / 50% | 5.07% / 5% | ✗ NOT HALAL |
Financial Highlights
Profitability
| Gross Margin | 43.1% | |
| Operating Margin | 8.0% | |
| Net Margin | 5.4% | |
| Return on Equity (ROE) | 6.0% | |
| Return on Assets (ROA) | 2.9% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $2.6B |
| Free Cash Flow | $2.4B |
| Total Debt | $9.0B |
| Debt-to-Equity | 40.4 |
| Current Ratio | 2.2 |
| Total Assets | $39.5B |
Price & Trading
| Last Close | $59.37 |
| 50-Day MA | $59.48 |
| 200-Day MA | $68.17 |
| Avg Volume | 8.5M |
| Beta | 2.7 |
|
52-Week Range
$44.27
| |
About Block, Inc. (XYZ)
Block, Inc., together with its subsidiaries, builds ecosystems focused on commerce and financial products and services in the United States and internationally. It operates through two segments: Square and Cash App. The Square segment offers managed payment services; software solutions; hardware products, such as registers, terminals, stands, and readers for contactless and chips; banking services consisting of lending, instant transfer, and checking and savings accounts; and full-service setup and support services. This segment also provides loyalty, marketing, team management, and payroll services; and gift cards. It also offers Square Handheld, a portable point-of sale device for transaction purposes. The Cash App segment offers financial tools, including peer-to-peer payments, bitcoin, and stock investment brokerage; Cash App Card, a debit card; Cash App Pay, mobile-friendly way for cash app customers to pay at merchants across online and in-person channels; direct deposit, stock brokerage, and tax preparation services; and Afterpay, a buy now, pay later platform. In addition, the company operates TIDAL, a platform for musicians and fans; TBD, an open developer platform focused on making the decentralized financial world accessible; Bitkey, a self-custody bitcoin wallet; and proto. The company was formerly known as Square, Inc. and changed its name to Block, Inc. in December 2021. Block, Inc. was incorporated in 2009 and is based in Oakland, California.
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Frequently Asked Questions
Is Block, Inc. (XYZ) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), Block, Inc. is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is Block, Inc.'s debt ratio?
Block, Inc.'s debt ratio is 22.2% under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%. Under MSCI and FTSE (which use total assets as the denominator), the debt ratio is 22.7%.
What are Block, Inc.'s key financial metrics?
Block, Inc. has a market capitalization of $34.0B, trailing P/E ratio of 26.7, and revenue of $24.2B. The company maintains a gross margin of 43.1% and a net margin of 5.4%. Return on equity stands at 6.0%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.