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    How Cash App Score’s Nova Credit Launch Will Impact Block (SQ) Investors

    Simply Wall St·09/06/2026 23:28:39
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    • In September 2026, Block announced that its Cash App Score will be made available to external lenders through Nova Credit’s Cash Flow Intelligence Platform, giving them access to Cash App’s cash flow-based credit insights directly within existing underwriting workflows without new consumer credentialing.
    • This move effectively turns Block’s proprietary scoring engine, already used across its own lending products, into an external data product that could deepen Cash App’s role in consumer credit decisions beyond Block’s ecosystem.
    • We’ll now examine how opening Cash App Score to external lenders could influence Block’s investment narrative around Cash App monetization and lending.

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    Block Investment Narrative Recap

    To own Block, you need to believe Cash App and Square can keep deepening engagement while controlling credit and regulatory risk. The Cash App Score news strengthens the near term catalyst around Cash App monetization and lending data, but it also ties Block more tightly to underwriting quality, which is one of the biggest current risks if loss rates or oversight costs rise.

    Among recent updates, the rapid scaling of Neighborhoods on Square is especially relevant. It shows how Block is using Cash App funded rewards to tighten the loop between consumers and merchants, which may amplify the impact of Cash App Score if more everyday spending and repayment behavior flows through Block’s ecosystem.

    Yet investors should also weigh how rising credit exposure and tighter scrutiny around data sharing could affect Block’s risk profile before they get too comfortable with …

    Read the full narrative on Block (it's free!)

    Block's narrative projects $33.7 billion revenue and $3.8 billion earnings by 2029.

    Uncover how Block's forecasts yield a $97.60 fair value, a 18% upside to its current price.

    Exploring Other Perspectives

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    Some of the most optimistic analysts already expected revenue near US$38,100,000,000 and earnings around US$5,400,000,000 by 2029, so this kind of credit focused news could either reinforce or challenge their view that heavier lending exposure is worth the extra risk and you should be aware that their case looks very different from more cautious opinions.

    Explore 9 other fair value estimates on Block - why the stock might be worth as much as 23% more than the current price!

    Decide For Yourself

    Disagree with existing narratives? Extraordinary investment returns rarely come from following the herd, so go with your instincts.

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    This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.