Chief Operating Officer, Chief Financial Officer & Treasurer, Square
Search every verified Amrita Ahuja interview, podcast appearance, and on-the-record quote — each transcript cross-checked by AI and human review to confirm speaker identity. Amrita Ahuja, Block's chief operating officer and chief financial officer, discussed the company's financial results in May 2026, following a quarterly earnings report that showed a 27% year-over-year increase in gross profit. Ahuja stated that the company raised its full-year guidance, citing "broad-based growth across each of our ecosystems, Square and Cash App." She said Block expects to grow by 19% year-over-year and deliver a 27% adjusted operating income margin, exceeding a "rule of 40" target set three years prior. Ahuja described the 7-point margin increase as "a dramatic transformation for our business." Ahuja also highlighted Cash App's growth, noting it has 59 million monthly active users and that the Cash App card is the fourth most popular debit card in the United States. She described Cash App as a "network business" and said that serving younger users, including teens, strengthens the broader network. Ahuja added that from January to April 2026, the company saw a two-and-a-half times increase in production code shipped per engineer, which she said allows for faster output.
“We expect to grow by 19% year-over-year and to deliver a 27% adjusted operating income margin, exceeding our target to be a rule of 40 company in 2026, which is a target we had set three plus years ago. And so we're excited to see that. Um, and that growth in profitability is a 7point margin increase year-over-year, wh...”
“We started as peer-to-peer, a way to send money to settle a dinner bill or to pull your funds together for an office gift. And now you can do so much more. We have the fourth most popular debit card in the United States with Cash App card. And it's a product that's also very popular as you think about the multiple demo...”
“Teens of America today are the earners and spenders of the future. And we think we have a really unique opportunity through this aspirational brand that we've built, the customization within Cash App card, the broad utility of the platform that we have that um we think can be uh really resonate with this, you know, wit...”
“We expect to grow by 19% year over year and to deliver a 27% adjusted operating income margin, exceeding our target to be a rule of 40 company in 2026, which is a target we had set three plus years ago. And so we're excited to see that. Um and that growth and profitability is a 7-point margin increase year-over-year, w...”
“What we saw just from January of this year to April of this year is that a two and a half times increase in production code shipped per engineer. That means we're able to output at a far faster pace today than we were just four months ago.”
“We have the fourth most popular debit card in the United States with Cash App card. And it's a product that's also very popular as you think about the multiple demographics that we're serving, including teens, part of why we're here at the NYSE today.”
“Well, when we think about our business, it's ultimately a network business. And the more people we can serve, the more those people connect with others in their network, whether it's their dog walker or their babysitter, or it's their aunts and their uncles and their parents. And so, what we see is every new person we...”
“The thread that binds them together is our purpose, which is economic empowerment. We build tools, whether it's software or hardware, payments oriented commerce, that empower people into the economy.”
“We came up with an investment framework that we believe is a principled approach for how we make investments. One is a customer facing metric, gross profit retention, and the second is a rule of 40 framework, which balances growth and margin to hold management accountable.”
“We actually put the rule of 40 at a higher bar for ourselves by including stock based compensation in adjusted operating income margin. We aspire to achieve above rule of 40 year in and year out by 2026.”
“Cash App is so much more than just peer to peer. We've built commerce and banking tools on top of a base of 57 million actives, many of whom first come to us for peer to peer, but we've found ways to engage them which has driven a very strong business.”
“We have 5 million sponsored teen accounts on our platform. They are far more engaged than the overall base of customers, with 80% having a Cash App card and 25% using Cash App Pay. These next gen customers will become the earners and spenders of the future.”
“We use AI and machine learning for more efficient underwriting across our lending products. We have far better, more comprehensive and real-time data than traditional credit scoring companies, which allows us to responsibly expand access to credit.”
“We know that 50 million Americans have thin credit files today and are often forced to use predatory alternatives like payday lending. Our technology and AI underwriting models offer far less expensive and more transparent credit options.”
“The sorts of loans we offer today are relatively short duration, more like working capital to help people move from paycheck to paycheck. Gen Z and millennials are moving away from traditional credit cards because of revolving debt spirals and high interest rates.”
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