{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-24-253135","form_type":"8-K","ticker":"XYZ","cik":"0001512673","company_name":"Block, Inc.","filed_at":"2024-11-07T23:59:59+00:00","discovered_at":"2026-05-14T18:03:08.644110+00:00","generated_at":"2026-05-30T03:30:37.680578+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Block Q3 gross profit $2.25B (+19% YoY); adj EBITDA $807M (+69%)","bullets":["Gross profit $2.25B, up 19% YoY; Square $932M (+16%), Cash App $1.31B (+21%).","Net income $284M; Adjusted EBITDA $807M, up 69% YoY; Operating income $323M.","Total revenue $5.98B (+6%); ex-bitcoin revenue $3.55B (+11%).","Cumulative loans >$22B with loss rates <3%; BNPL ~1%, Borrow <3%, Square loans ≤4%.","Lending ROIC: Square Loans 22%, Afterpay 34%, Cash App Borrow 33%; avg duration <150 days."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-24-253135","json":"https://secwatch.observer/filing/0001193125-24-253135.json","markdown":"https://secwatch.observer/filing/0001193125-24-253135.md","text":"https://secwatch.observer/filing/0001193125-24-253135.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1512673/000119312524253135/0001193125-24-253135-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1512673/000119312524253135/d835206d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T03:30:37.680578+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}