Polly vs Block
Side-by-side comparison of AI visibility scores, market position, and capabilities
Polly is a San Francisco-based SaaS capital markets platform for mortgage lenders, banks, and credit unions; raised $97M total including a $25M growth round in September 2024 led by 8VC;
About
Polly is a capital markets technology company founded in 2019 by Adam Carmel and headquartered in San Francisco, California. The company builds a cloud-native SaaS platform designed to modernize the mortgage industry's product and pricing engine (PPE) and capital markets operations. Polly's platform enables mortgage lenders — banks, credit unions, independent mortgage banks, and brokers — to price loans in real time, manage investor relationships, execute hedging strategies, and streamline the secondary market sale of mortgage-backed securities. The mission is to democratize sophisticated capital markets capabilities, making tools previously available only to the largest lenders accessible to institutions of any size.
San Francisco fintech (NYSE: SQ) added to S&P 500 July 2025; Cash App $5.0B gross profit, Square $3.7B, Afterpay BNPL integration, Jack Dorsey CEO competing with PayPal/Venmo and Stripe for merchant and consumer fintech.
About
Block, Inc. is a San Francisco, California-based financial technology company — publicly traded on the New York Stock Exchange (NYSE: SQ) as an S&P 500 Information Technology component (added to the S&P 500 on July 23, 2025, replacing Hess Corporation) — operating two primary financial platforms: Square (merchant payment processing, point-of-sale hardware, and business banking for small-to-mid-size merchants) and Cash App (peer-to-peer payments, digital banking, stock investing, and Bitcoin transactions for individuals) alongside Afterpay (buy now pay later), Tidal (music streaming), and TBD (decentralized finance), through approximately 12,000 employees. CEO Jack Dorsey (co-founder with Jim McKelvey in 2009 as Square, rebranded to Block in December 2021) leads the company's strategy of building an interconnected ecosystem of financial services that connect individual consumers (Cash App) with merchants (Square) and the broader financial ecosystem. In fiscal year 2024, Block reported gross profit of approximately $8.9 billion, with Cash App generating approximately $5.0 billion in gross profit (+14% year-over-year) driven by Cash App Card, direct deposit adoption, and Cash App Pay, while Square generated approximately $3.7 billion in gross profit (+9%) driven by software and banking products alongside payment processing. Block acquired Afterpay for $29 billion in January 2022 — integrating the Australian buy-now-pay-later platform into both Square (merchant installment offer at checkout) and Cash App (consumer Afterpay integration).
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