Square provides financial services and payment processing solutions for businesses. Its main products include Square Register for point of sale, Square Cash for personal payments, and Square Reader for accepting card payments on mobile devices. Square makes money from hardware sales, subscription services, and transaction fees of around 2.75% per payment. Founded in 2009, Square now has a diverse ecosystem and was valued at $2.9 billion after its 2015 IPO. It posted $2.21 billion in annual revenue and consistently beats earnings estimates, while maintaining a strong financial position with low debt. Square faces competition from other payment processors but has an intuitive design and was an early leader in the mobile payments space. With experienced leadership and multiple revenue streams, Square is

1. Christopher Scott (ccsco)

2. Problem

3. Solution: Square Products
Square CapitalSquare CashPoint of SaleMobile Chip Reader
Square, Inc. is a financial services, merchant services aggregator, and mobile
payment company

4. Business Model - Consumer
● “Swipe and sign” simplicity- emailed a receipt
● Service is more or less free for us

5. Business Model - Merchant
● Providing an ecosystem for growing a small
business
● Accruing revenue streams mainly from:
○ Hardware product purchases
○ Subscription for services-based
○ Transactions (2.75% each one)
● Assisting merchants with data analytics and
marketing tools

7. Company History
(2009) Created by Jack Dorsey and Jim
McKelvey
(2010) Launched App and first card reader
(2010-2014) Expanded Square ecosystem
(2015) IPO with valuation of 2.9 B
(Now) “Helping sellers of all sizes start, run
and grow their business”

8. Financials (Pretty Good)
● Posted 2.21B in revenue
● Quarterly Yoy revenue growth of 36%
● Consistently beat earnings expectations
● Not a lot of debt relative to cash on hand
● Stock up close to 200% in the past year

9. Competition

10. Secret Sauce
Intuitive and Simplistic
Design
They Were First

11. Will They Succeed? - They Should
● Seasoned leadership
○ Jack Dorsey
● Great business model
○ Make money in many ways
● Heavy competition to come
○ Crowded fintech space
● A lot of room for expansion
○ Square in all stores
○ Apple and Samsung Pay

12. References
● https://investorplace.com/2018/03/trading-psychology-just-turned-against-sq
uare-stock/
● https://squareup.com/
● https://finance.yahoo.com/quote/SQ?p=SQ
● https://www.zacks.com/stock/chart/SQ/fundamental/revenue-quarterly-yoy-g
rowth
● https://www.fool.com/investing/2017/09/01/how-square-inc-makes-most-of-i
ts-money.aspx
● https://www.statista.com/statistics/593865/square-annual-revenue-segment/