Block (XYZ) Stock Concentration Calculator
Calculator · free · no signup · XYZQuantify Block concentration risk. Drawdown impact at 30 / 50 / 70%, with the tax-aware trade-off between selling down and hedging.
Beta · invite-only · AlphaLatitude Inc. · Free Tools
Your inputs
Adjust — results update instantly.Position & portfolio
Tax
Most fee-only advisors target ≤10% in any single name. You're at 67%.
Estimates only. Not financial advice.
Most sensitive to: Expected market return (±10% on this input swings best-plan wealth by ±$190,508).
Cost of fully de-concentrating
All three plans sell to 0% (no hedge).Sensitivity. If your expected position return drops below 19.6%/yr, lump-sum (sell everything today) beats every spread plan above.
Build your own plan
Toggle below — chart updates live. Sell buttons show the slice.Tech / Software single names hit a 50%+ peak-to-trough drawdown in roughly 1 of every 5 rolling 3-year windows over 2014–2024. Even mega-caps aren’t exempt.
Tax brackets: 2026 · Estimates only — not financial advice.
Estate note. Heirs receive a stepped-up basis at death (§1014), eliminating built-in gain on inherited shares. Older holders who plan to bequeath rather than sell may rationally never de-concentrate.
You sized one position's risk. The beta integrates hedging, sell-down, and tax timing into one optimized plan.
Request beta access →About Block
Block (XYZ) is a public Fintech company, incorporated in Delaware and headquartered in Oakland, CA. IPO'd Nov 19, 2015.
Last close: $74.68 per share (as of 2026-06-16).
Equity grants at Block typically include restricted stock units (RSUs).
Block, Inc. is an American technology company and a financial services provider for consumers and merchants. Founded in 2009 by Jack Dorsey, it is the U.S. market leader in point-of-sale systems. As of 2024, Block serves 57 million users and 4 million sellers, processing $241 billion in payments annually.
Source: Wikipedia (CC BY-SA 4.0)
Square started with a small white card reader that plugged into a smartphone headphone jack, letting any merchant accept credit cards with just an iPhone and a free app. Jack Dorsey and Jim McKelvey founded the company in San Francisco in 2009 after McKelvey lost a $2,000 faucet sale because he couldn't accept American Express. Square grew from hardware into cloud-based POS software, payroll, and lending for small businesses, while Cash App became a leading peer-to-peer payment and bitcoin wallet for consumers. The company rebranded to Block in December 2021 and acquired buy-now-pay-later provider Afterpay for $29 billion in January 2022. Block reported $24.1 billion in revenue in 2024.
Sources: en.wikipedia.org · cnbc.com
Equity comp at Block
- RSUs use single-trigger vesting: shares become yours as each portion vests on schedule, and the value is taxed as ordinary income at that point. No IPO or acquisition is required.
Researched 2026-05-07.
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Block.
If a meaningful share of your net worth sits in XYZ, concentration risk is the question. This calculator quantifies drawdown impact at 30 / 50 / 70%, and the trade-off between selling down (tax cost now) versus hedging (option premium drag), auto-filled with XYZ's option-implied volatility.
Example: 5,000 XYZ shares at $74.68 is a $373,400 position. A 30% drawdown costs $112,020; a 50% drawdown costs $186,700; a 70% drawdown costs $261,380. The calculator quantifies the trade-off between selling down (immediate capital-gains tax) and hedging (option premium drag) using XYZ's option-implied volatility and your cost basis.
All Block tools → · Use the generic Stock Concentration Calculator for any company.
Block equity questions
- How much XYZ stock is too much?
- There is no single threshold, but the larger the share of your net worth in one stock, the more a single bad year can set back your plans. The calculator above quantifies the drawdown impact at 30, 50, and 70 percent for your XYZ position and weighs selling down (which triggers capital-gains tax now) against hedging (which costs option premium).
- Does Block grant ISOs, NSOs, or RSUs?
- Equity compensation at Block typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
- Do Block RSUs use double-trigger vesting?
- No. Block restricted stock units (RSUs) use single-trigger vesting: each tranche becomes yours as it vests on schedule, taxed as ordinary income at that point, with no liquidity event required.
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OptionsAhoy plans your Block equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.