On the latest episode of After Earnings, Ann Berry sits down with Amrita Ahuja, the CFO & COO of Block, to break down the company’s recent performance and how it's leveraging its multiple brands to drive long-term growth. The conversation explores Block’s capital allocation strategy, AI-powered underwriting and how each of its businesses from Cash App and Square to Afterpay aims to expand financial access.

00:00 – Amrita Ahuja joins

00:15 – What Ties Block’s Brands Together?

03:06 – How Block Allocates Capital Across Business Units

05:23 – Is Rule of 40 Outdated?

06:34 – How Cash App Grows Market Share

09:14 – Competing with PayPal and Venmo

10:32 – Why Teens Are the Future of Cash App

12:05 – How Cash App Customers Graduate Across Products

14:02 – Integrating Afterpay Into Cash App

15:24 – AI, BNPL, and Personalized Lending

18:22 – Will Block Offer Mortgages or Auto Loans?

19:56 – Block’s M&A Strategy

21:08 – Bitcoin Mining with Proto Rig

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