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Block Q4 EPS $0.65 Beats $0.49 Estimate → Square Register Gen 2 Launches, UK AI Expansion

Block (formerly Square) reported Q4 2025 EPS of $0.65, significantly beating the $0.49 consensus estimate, driven by Square seller ecosystem growth and Cash App monetization improvements, while launching Square Register Gen 2 and announcing UK AI banking expansion. Analyst consensus holds a Hold rating with the stock reflecting mixed sentiment around sustainable profitability trajectory. Risks include competitive pressure from Stripe and PayPal in SMB payments, regulatory scrutiny of Cash App compliance, and customer credit losses in the BNPL lending segment.