Zip is a diversified finance provider, offering consumer financing via a line of credit (via Zip Pay and Zip Money) and instalment-based finance (via QuadPay, Spotii, Twisto, and PayFlex); as well as lending to small to midsize enterprises (via Zip Business). Zip's fortunes are largely tied to the buy now, pay later, or BNPL, industry. Most of its products—Zip Pay, QuadPay (Zip U.S.), and PayFlex—do not charge interest based on outstanding balances. Around 60%-70% of Zip Pay's/Zip Money's revenue is derived from customers, mainly via account fees and interest. Meanwhile, its instalment businesses primarily generate revenue by receiving a margin from merchants, which compensates it for accepting all nonpayment risk and for encouraging consumers to transact more frequently.

Financial Strength

2/10

Name	Current	Vs Industry
Cash-To-Debt	0.06
Equity-to-Asset	0.12
Debt-to-Equity	6.17
Debt-to-EBITDA	9.03
Interest Coverage	0.51
Piotroski F-Score	4/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	-0.5	Distress Grey Safe
Beneish M-Score	-2.46	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

9/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	32
	3-Year EPS without NRI Growth Rate	-103.7
	3-Year FCF Growth Rate	-198.6
	3-Year Book Growth Rate	-18.6
	Future 3-5Y EPS without NRI Growth Rate	-148.4
	Future 3-5Y Total Revenue Growth Rate	14

Momentum Rank

6/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	41.53
	9-Day RSI	41.44
	14-Day RSI	44.68
	6-1 Month Momentum %	380.56
	12-1 Month Momentum %	182.68

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	8.64
	Quick Ratio	8.64
	Cash Ratio	0.47
	Days Sales Outstanding	1271.89
	Days Payable	260.35

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	-28.3
	Shareholder Yield %	-5.44

Profitability Rank

3/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	62.66
	Operating Margin %	18.18
	Net Margin %	-7.96
	FCF Margin %	10.47
	ROE %	-19.43
	ROA %	-1.78
	ROIC %	2.53
	ROC (Joel Greenblatt) %	13.12
	ROCE %	7.05

GF Value Rank

4/10

	Name	Current	Vs Industry		Vs History
	PS Ratio	1.39
	PB Ratio	2.88
	Price-to-Tangible-Book	11.33
	Price-to-Free-Cash-Flow	17.18
	Price-to-Operating-Cash-Flow	10.89
	EV-to-EBIT	16.45
	EV-to-EBITDA	12.89
	EV-to-Revenue	4.78
	EV-to-Forward-Revenue	3.63
	EV-to-FCF	44.68
	Earnings Yield (Greenblatt) %	6.08
	FCF Yield %	6.45

Financials (Next Earnings Date:2024-08-29 Est.)

Annual Quarterly TTM

FRA:YRRA's 30-Y Financials

AAPL

Income Statement Breakdown

Annual Quarterly

No Enough Data

AAPL

Balance Sheet Breakdown

Annual Quarterly

No Enough Data

AAPL

Cashflow Statement Breakdown

Annual Quarterly

No Enough Data

Historical Operating Revenue by Business Segment

Value % YoY

Historical Operating Revenue by Geographic Region

Value % YoY

See Details

5-Step DuPont Analysis as of

Annual Quarterly

No Enough Data

Guru Trades

See Details

Insider Trades

See Details

Peter Lynch Chart

Y-axis scale:

Log Linear

Interactive Chart

Performance

Dividend

Log

Bar

Annualized Return %

Symbol	1 Week	1 Month	3 Months	6 Months	YTD	1 Year	3 Years	5 Years	10 Years

Total Annual Return %

Symbol	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015

Zip Co Ltd Executives

Details

GF Value: €1.73

FRA:YRRA

Valuation Chart

Year:

Warning Signs

Warning! GuruFocus detected 7 Severe warning signs with YRRA. Try a 7-Day Free Trial to check it out.

Analyst Estimate

Annual Quarterly

Key Statistics

	Name	Value
	Revenue (TTM) (Mil €)	475.929
	EPS (TTM) (€)	-0.067
	Beta	4.03
	Volatility %	104.14
	14-Day RSI	44.68
	14-Day ATR (€)	0.029214
	20-Day SMA (€)	0.7505
	12-1 Month Momentum %	182.68
	52-Week Range (€)	0.145 - 0.875
	Shares Outstanding (Mil)	1,094.38

Piotroski F-Score Details

Year:

	Component	Result
	Piotroski F-Score	4
	Positive ROA
	Positive CFROA
	Higher ROA yoy
	CFROA > ROA
	Lower Leverage yoy
	Higher Current Ratio yoy
	Less Shares Outstanding yoy
	Higher Gross Margin yoy
	Higher Asset Turnover yoy

Zip Co Ltd Filings

10-K10-QForm 4Others

	Filing Date	Document Date	Form
No Filing Data

Zip Co Ltd Stock Events

Financials Calendars

	Event	Date	Price(€)
No Event Data

Zip Co Ltd Frequently Asked Questions

What is Zip Co Ltd(FRA:YRRA)'s stock price today?

The current price of FRA:YRRA is €0.68. The 52 week high of FRA:YRRA is €0.88 and 52 week low is €0.14.

When is next earnings date of Zip Co Ltd(FRA:YRRA)?

The next earnings date of Zip Co Ltd(FRA:YRRA) is 2024-08-29 Est..

Does Zip Co Ltd(FRA:YRRA) pay dividends? If so, how much?

Zip Co Ltd(FRA:YRRA) does not pay dividend.

Press Release

	Subject	Date
No Press Release

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