)
Company Research23 Feb 2024
Klarna: From Stockholm Startup to Wall Street IPO
Klarna grew from a 2005 startup into a fintech powerhouse, redefining payments with buy now, pay later before making its Wall Street debut in 2025.
Block (XYZ) investor relations material
Block Investor Update summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Investor Update summary8 Oct, 2025
Product innovation and new features
Launched AI-powered voice ordering for restaurants, enabling 24/7, highly accurate phone order handling and freeing up staff for hospitality.
Integrated delivery management consolidates orders from major platforms into one POS, with instant access to earnings via Square checking.
Square Kiosk accelerates in-store ordering by up to 30%, with unified menu management and real-time reporting across all channels.
Order Guide, an AI-driven procurement tool, centralizes vendor data, compares prices, and streamlines purchasing to control food costs.
Square AI delivers actionable insights, local trends, and mobile access, empowering faster, data-driven decisions for business owners.
Integrated bitcoin payments and wallet launch
Introduced a fully integrated bitcoin payments and wallet solution for local businesses, enabling acceptance of bitcoin with zero processing fees through 2026 and seamless management within the existing platform.
Bitcoin Payments allows direct acceptance of bitcoin at the point of sale, while Bitcoin Conversions lets sellers automatically convert up to 50% of daily card sales into bitcoin.
Sellers can manage, buy, sell, hold, and withdraw bitcoin alongside other business finances via a native wallet in the Square Dashboard.
Bitcoin Payments will be available to eligible US-based sellers starting November 10, 2025, with Bitcoin Conversions already live for a subset of businesses.
Bitcoin features are not available to sellers in New York State or outside the US and may be subject to regulatory approval.
Expanded financial tools and ecosystem integration
The new bitcoin features build on Square's broader banking and commerce ecosystem, offering expanded options for payment, cost control, and financial diversification.
Integration with Square Banking allows unified management of sales, banking, and treasury, extending financial empowerment to more businesses.
Since the 2021 launch of Square Banking, hundreds of thousands of sellers have improved cash flow and set aside billions in savings.
All Bitcoin features are integrated into the Square dashboard, simplifying treasury management and future-proofing local businesses.
The bitcoin tools complement other Block initiatives, including Cash App, Bitkey, and Spiral, reinforcing Block's leadership in digital currency innovation.
Future Bitcoin payment processing fee?
Impact of AI voice ordering on restaurant ops?
Square Bitcoin geographic availability restrictions?
Square AI's neighborhood insights feature?
Square Bitcoin's zero processing fee period?
Cash App Neighborhoods: key seller benefits?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Block earnings date
Q3 20256 Nov, 2025
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
The digital payment provider with Bitcoin close to its heart
Block Inc (formerly Square Inc) is an American financial services and digital payments company based in San Francisco, California. The company creates tools to help expand access to the economy through their broad range of products, including point-of-sale hardware and software. The company operates an FDIC-insured bank, consumer payments platform, offers stock and cryptocurrency trading and has made a high number of high-profile acquisitions.
They have four primary services, these are:
Square: a payments platform to make accepting credit card payments and use tablets as payment registers possible for small and medium businesses.
Cash App: an app which allows for p2p money transfers via the app or website. A further extension to this app is “Square Cash for businesses” which makes it possible for individuals, organizations, and business owners to send and receive money. Since 2019 the app allows the buying and selling of bitcoin.
Afterpay: buy-now-pay-later (BNPL) service. Weebly - web hosting service.
Tidal: Jay-Z’s subscription-based music, podcast and video streaming service.
The Founding of Square
It all started with a tiny square card reader - a stamp-sized dongle in plastic, which could be plugged into an iPhone jack, this dongle became the simple solution for artists and vendors to accept credit cards. The two tech entrepreneurs Jack Dorsey and Jim Mckelvey launched Square, now called Block, in 2009. Riding the megatrend of smartphones and online payments, the two St. Louis natives realized that convenient plastic card payments were just the tip of the iceberg.
The original iPhone dongle quickly evolved into an iPad app to get rid of the need for cash registers. Square struck a deal with Apple to sell its hardware in the stores, and later with Starbucks, becoming its official card processor. From there, Square started focusing on all things small business, including loans and payroll.
Cash App – simplifying mobile peer-to-peer payments
Dorsey said that “Cash app was something that everyone in the company, at the time we started, didn’t think we should be doing”. “It was a very hard sell and we weren’t seeing much traction in the market, and every day I was losing credibility”. Eventually the team found a model and made it work. Cash App is a mobile app-focused money transfer service. With the app, users can send and receive funds, set up a bank account and debit card, and also invest in stocks and Bitcoin. The user interface is extremely simple, making it handy for sending and receiving money. Transfers are swift, and the bonus of being able to invest and use a debit card with the service makes it a very useful tool in today's digital environment.
The Afterpay Deal
In the sphere of M&As, where armies of advisors often spend months negotiating key terms and inspecting books and business plans, three months is not a lot of time. Nevertheless, three months was all it took for Square to complete the purchase of the Australian BNPL provider, Afterpay. The takeover interest was big from six potential buyers, but Square made more sense, considering the companies were already exploring services tie-ups. Square was keen on being able to provide a buy-now-pay-later service for Cash App and Afterpay wanted to accelerate growth in the U.S. market, competing with Affirm and Klarna.
The negotiations for the largest buyout ever for an Australian company took place in Hawaii, where key executives met. After a couple of days they left the tropical island, agreeing on the need to combine their services and expertise. 11 weeks after leaving Hawaii, the transaction terms were finalized.
Putting Bitcoin on the balance sheet
Dorsey has been one of the most high-profile pioneers of Bitcoin and often refers to it as “the native currency of the internet”. Back in 2014, the company started experimenting with cryptocurrency within the Cash App, enabling online stores to accept crypto as a payment. After years without any major breakthroughs, the company now facilitates buying and selling of bitcoin within the Cash App, in addition to equities. Additionally, the company holds bitcoin on its balance sheet as an alternative to cash. They have launched several open-source projects within the company and are working on a decentralized cryptocurrency exchange and mining project.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage