XYZ · 8-K · 20260805PR335117

Guidance and Outlook

Block, Inc. · 2026-08-05 · Importance 100 · Surprise 100 · In source text

Block raised its full-year 2026 outlook following second-quarter performance and continued momentum across the business. It now expects 2026 gross profit of $12.51 billion, up 21% year over year, and Adjusted Operating Income of $3.47 billion, representing a 28% margin and 67% year-over-year growth. Adjusted diluted EPS is expected to grow 70% to $4.02. For the third quarter of 2026, Block expects gross profit of $3.13 billion, up 18% year over year, and Adjusted Operating Income of $875 million, representing a 28% margin.

Key facts

• Adjusted Operating Income guidance for Q3 2026: $875 million, representing a 28% margin (28% of gross profit). source
• Full-year 2026 Adjusted Operating Income guidance: $3.47 billion, representing a 28% margin and 67% year-over-year growth. source
• Full-year 2026 gross profit guidance: $12.51 billion, up 21% year over year. source
• Q3 2026 gross profit guidance: $3.13 billion, expected 18% year-over-year growth. source
• Full-year 2026 Adjusted Diluted EPS guidance: $4.02, expected to grow 70% year over year. source
• Block will release Q3 2026 financial results on November 3, 2026, after the market closes, and will host an earnings webcast at 2:00 p.m. Pacific time/5:00 p.m. Eastern time that day. source
• Block expects year-over-year growth in transaction, loan, and consumer receivable losses to moderate through the remainder of 2026 based on its Consumer Lending origination volume forecast and expected mix of new and mature Borrow cohorts. source

Impact estimates