🔹 Adjusted EPS: $0.71 (Est. $0.87) 🔴
🔹 Gross Profit: $2.31B (Est. $2.33B) 🟡; UP +14% YoY
🔹 Net Income: $1.95B (Est. $549.89M) 🟢
🔹 Adj EBITDA: $757M (Est. $738.20M) 🟢
Q1'25 Outlook:
🔹 Gross Profit: $2.32B (Est. $2.39B) 🔴; UP +11% YoY
🔹 Adjusted Operating Income: $430M (19% margin)
FY25 Outlook:
🔹 Gross Profit: $10.22B (Est. $10.25B) 🟡; UP +15% YoY
🔹 Adjusted Operating Income: $2.1B (21% margin)
🔹 Rule of X: 35.5%
Q4 Cash App:
🔹 Gross Profit: $1.38B; UP +16% YoY
🔹 Monthly Transacting Actives: 57M; UP +2% YoY
🔹 Cash App Card Monthly Actives: 25M; UP +9% YoY
🔹 Total Inflows: $71.1B; UP +12% YoY
🔹 Gross Profit per User: $76; UP +13% YoY
🔹 BNPL GMV: $10.3B; UP +19% YoY
🔹 BNPL Gross Profit: $298M; UP +23% YoY
Q4 Square:
🔹 Gross Profit: $924M; UP +12% YoY
🔹 Total Gross Payment Volume (GPV): $58.9B; UP +10% YoY
🔹 US GPV Growth: +6.9%
🔹 International GPV Growth: +25%
🔹 International Gross Profit: $129M; UP +22% YoY
Q4 Operating Metrics:
🔹 Operating Income: $13M (1% margin)
🔹 Adjusted Operating Income: $402M (17% margin)
🔹 Product Development Expense: $2.91B; UP +7% YoY
🔹 Sales & Marketing Expense: $1.98B; DOWN -1.7% YoY
🔹 General & Admin Expense: $2.15B; DOWN -2.7% YoY
🔹 Transaction & Loan Losses: $794M; UP +20% YoY
🔹 Bitcoin Impairment Losses: $0
Balance Sheet (as of December 31, 2024):
🔹 Cash & Cash Equivalents: $8.08B (Est. $8.43B)
🔹 Total Assets: $36.78B
🔹 Total Liabilities: $15.54B (Est. $17.46B) 🟢
🔹 Stockholders’ Equity: $21.23B (Est. $20.25B) 🟢
Cash Flow Highlights:
🔹 Net Cash from Operations: $1.71B (Est. $13.76M) 🟢
🔹 Adjusted Free Cash Flow: $2.07B (Est. $(374.55)M) 🟢
🔹 Investing Activities: $(649.9)M
🔹 Financing Activities: $1.95B
