Block Inc. (SQ) has spent the past month giving back some gains, pulling back after holiday payment volumes and Cash App growth pushed shares higher earlier. Nothing dramatic, just the kind of profit-taking that happens when traders decide to bank their wins.

So we decided to see what artificial intelligence thinks happens next. We ran Block through an AI price-prediction agent built on OpenAI's GPT, asking it to handicap the next 60 days for a stock that's basically become the poster child for the entire fintech trade. We weren't looking for some wild long-term moon-shot target—just a realistic read on what the next two months might bring.

The Model's 60-Day Forecast

The AI agent analyzed recent price action and technical indicators with Block trading at $65.21. Its base-case projection for the period ending February 17? Essentially flat:

• Average predicted price: $65.20
• Implied move: roughly lower over the next month
• Signal snapshot: MACD and RSI both skewed negative

Translation: the model sees a modest grind lower from here, not some dramatic selloff. Given current momentum and volatility patterns, Block looks more likely to consolidate than break out. For what it's worth, broader AI predictions suggest Block could reach $150 by 2030, but that's a different conversation entirely.

Why the Cautious Outlook?

Block's business model is straightforward—Square handles merchant payment processing while Cash App owns the consumer side with peer-to-peer transfers and Bitcoin trading. Recent upticks in gross payment volume show small businesses are still adopting the platform steadily, which is good news. The bad news? Bitcoin volatility keeps messing with ecosystem revenue in ways that are hard to predict.

The technical signals reinforce the caution. Negative MACD readings point to fading momentum, while RSI sits in neutral territory—not oversold enough to trigger bounce trades, but showing signs of exhaustion. Block has built an impressive moat by integrating hardware, software, and crypto into one ecosystem, which should provide some resilience. But macroeconomic headwinds like higher interest rates are squeezing transaction margins across the board.

Cash App remains the growth driver, with Bitcoin sales surging as crypto rebounds under President Trump's pro-digital asset stance. User monetization through Afterpay's buy-now-pay-later feature adds recurring revenue streams, which is exactly what investors want to see. But regulatory risks around crypto custody remain a real concern, and the AI model seems to be pricing in near-term sideways action as the broader market rotates.

Square's international expansion into emerging markets looks promising for the long haul, with total payment volume growth projected through 2026. Enterprise tools like Square for Restaurants are gaining traction and helping diversify beyond small-business dependency. Still, the model sees current levels as fairly valued, with limited upside catalysts until transaction volumes accelerate meaningfully.

What Wall Street Thinks

Here's where things get interesting. While the AI model calls for a near-term stall, Wall Street analysts are considerably more bullish. They maintain a Strong Buy consensus with 12-month price targets clustering in the mid-$90s to mid-$100s. The more aggressive firms see upside into the high $110s if Block maintains its dominance in mobile payments and fintech ecosystems. Even the median targets imply substantial upside from current levels.

So the AI forecast acts as a short-term reality check—Block looks stable amid fintech turbulence, but don't expect fireworks in the next 60 days. That said, pullbacks like this often set up ecosystem-driven rallies, especially if Bitcoin sustains its current highs. Investors should watch support levels for confirmation of whether that subtle downside drift actually materializes.