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TEXXR

Chronicles

The story behind the story

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Square beats in Q1 with revenue of $5.06B, up 266% YoY, with $3.5B in bitcoin revenue, up 11x YoY, gross profit of $964M, up 79% YoY, with $495M from Cash App

- The company reported a profit per share of 41 cents vs. 16 cents per share expected in a Refinitiv survey of analysts.

CNBC MacKenzie Sigalos

Context & Ripple Effects

Square’s Q1 report extends a run of accelerating reported revenue: its prior quarter included $1.76B of bitcoin revenue and $416M from Cash App, while an earlier quarter showed Cash App generating $875M in bitcoin revenue. The latest results put bitcoin at $3.5B of $5.06B in total revenue and Cash App at $495M of gross profit.

The key distinction in Square’s arc is increasingly between transaction-driven bitcoin revenue and gross profit. The company had already reported a Q4 revenue beat with substantial bitcoin and Cash App contributions; Q1 makes those businesses central to both its scale and how investors interpret its growth.

First-order effects

  • Square exceeded the Refinitiv-survey EPS expectation, reporting $0.41 per share versus $0.16 expected, while gross profit rose 79% to $964M.
  • Cash App supplied $495M of Square’s gross profit, and bitcoin activity supplied roughly two-thirds of reported Q1 revenue.

Second-order effects

  • Square’s top-line comparisons become more sensitive to bitcoin transaction activity because bitcoin revenue is now the dominant component of reported revenue, even as gross profit provides a separate measure of operating momentum.
  • Investors and analysts following Square will have stronger reason to separate Cash App’s gross-profit contribution from bitcoin-driven revenue growth when assessing subsequent quarters, including the following Q2 report's bitcoin impairment loss.

Third-order effects

  • If Square continues to pair a large bitcoin-revenue line with expanding Cash App gross profit, fintech earnings analysis will increasingly prioritize revenue mix and gross profit over headline revenue alone.
  • Square’s reporting trajectory points to consumer-finance platforms combining payments, app-based financial services, and crypto transactions, with each component contributing differently to growth and profitability.

The trend: Square is becoming a more diversified financial platform whose headline growth is increasingly shaped by bitcoin volume while Cash App gross profit signals the underlying business contribution.

Discussion

  • @kenziesigalos MacKenzie Sigalos on x
    Square reports $3.5 billion in #bitcoin revenue in Q1 BUT bitcoin gross profit ... only $75 million. Details: https://www.cnbc.com/...
  • @mdudas Mike Dudas on x
    pretty clear that @CashApp is gonna beat @GoldmanSachs at this #bitcoin thing https://www.theblockcrypto.com/ ...
  • @thetranscript_ @thetranscript_ on x
    Square Q1 2021: - Earnings and revenues beat. - Total net revenue was $1.55B, exc. bitcoin (+44% Y0Y) - Cash App revenue of $529M, up 139% YoY. - Seller GPV up 144% in April. $SQ https://twitter.com/...
  • @alex @alex on x
    i need to write about thissss https://twitter.com/...
  • @mdudas Mike Dudas on x
    this is just gorgeous #bitcoin is the dongle of @square's future https://www.theblockcrypto.com/ ... https://twitter.com/...
  • @bradmichelson Brad Michelson on x
    Contrary to popular opinions, #bitcoin traders are not price sensitive. https://www.theblockcrypto.com/ ...