Business Description
Zip Co Ltd
ISIN : AU0000218307
Total Employee Number:
1,498Compare
Compare
Traded in other countries / regions
ZIP.AustraliaYRRA.GermanyZIZTF.USA Index Membership
S&P/ASX 200 IPO Date
2009-12-09Description
Zip is a credit provider operating two segments: Australia and New Zealand, and the US. Founded in Australia in 2013, it has over 6 million active customers and partners with over 85,000 merchants. In Australia, Zip positions itself as a credit card alternative, with several revolving credit products. Customers can carry the balance over time with a monthly fee and set their own repayment schedule. The US and New Zealand offering is a far more vanilla BNPL offering: Pay-in-4 in New Zealand and Pay-in-Z in the US, where customers pay back in fixed instalments. The US segment is built on the 2020 acquisition of QuadPay and has recently become Zip's largest and fastest-growing segment.
Financial Strength
2/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 0.07 | |||||
Equity-to-Asset | 0.17 | |||||
Debt-to-Equity | 3.82 | |||||
Debt-to-EBITDA | 6.3 | |||||
Interest Coverage | 1.49 | |||||
Piotroski F-Score | 4/9 | |||||
Altman Z-Score | 0.51 | |||||
Beneish M-Score | -2.18 | |||||
WACC vs ROIC | ||||||
Growth Rank
8/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | -7 | |||||
3-Year FCF Growth Rate | 65.4 | |||||
3-Year Book Growth Rate | -4.7 | |||||
Future 3-5Y EPS without NRI Growth Rate Estimate Industry Rank | 60.87 | |||||
Future 3-5Y Total Revenue Growth Rate Estimate | 18.99 |
Momentum Rank
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 83.61 | |||||
9-Day RSI | 78.41 | |||||
14-Day RSI | 74.25 | |||||
3-1 Month Momentum % | 48.39 | |||||
6-1 Month Momentum % | -30.09 | |||||
12-1 Month Momentum % | -25.08 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Current Ratio | 4.6 | |||||
Quick Ratio | 4.6 | |||||
Cash Ratio | 0.23 | |||||
Days Sales Outstanding | 837.71 | |||||
Days Payable | 382.65 |
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Average Share Buyback Ratio | -23.4 | |||||
Shareholder Yield % | -0.11 |
Profitability Rank
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Gross Margin % | 65.28 | |||||
Operating Margin % | 27.41 | |||||
Net Margin % | 8.95 | |||||
EBITDA Margin % | 33.03 | |||||
FCF Margin % | -2.33 | |||||
OCF Margin % | -0.72 | |||||
ROE % | 15.72 | |||||
ROA % | 2.96 | |||||
ROIC % | 10.23 | |||||
3-Year ROIIC % | 9089.75 | |||||
ROC (Joel Greenblatt) % | 20.47 | |||||
ROCE % | 11.01 | |||||
Years of Profitability over Past 10-Year | 2 | |||||
Moat Score | 4 | |||||
Tariff Resilience Score | 7 |
GF Value Rank
1/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 39.04 | |||||
Forward PE Ratio | 23.82 | |||||
PE Ratio without NRI | 39.04 | |||||
Price-to-Owner-Earnings | 29.39 | |||||
PS Ratio | 3.52 | |||||
PB Ratio | 6.2 | |||||
Price-to-Tangible-Book | 9.82 | |||||
EV-to-EBIT | 18.68 | |||||
EV-to-EBITDA | 15.95 | |||||
EV-to-Forward-EBITDA | 20.81 | |||||
EV-to-Revenue | 5.27 | |||||
EV-to-Forward-Revenue | 3.97 | |||||
EV-to-FCF | -210.39 | |||||
Price-to-GF-Value | 1.57 | |||||
Price-to-Graham-Number | 4.15 | |||||
| Price-to-Net-Current-Asset-Value | 17.05 | |||||
Earnings Yield (Greenblatt) % | 5.35 | |||||
FCF Yield % | -0.71 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
Guru Trades
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Performance
Dividend
Log
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Annualized Return % Â
Total Annual Return % Â
Zip Co Ltd Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil A$) | 1,220.467 | ||
| EPS (TTM) (A$) | 0.083 | ||
| Beta | 4.0275 | ||
| 3-Year Sharpe Ratio | 0.9 | ||
| 3-Year Sortino Ratio | 1.83 | ||
| Volatility % | 98.48 | ||
| 14-Day RSI | 74.25 | ||
| 14-Day ATR (A$) | 0.155069 | ||
| 20-Day SMA (A$) | 2.733 | ||
| 12-1 Month Momentum % | -25.08 | ||
| 52-Week Range (A$) | 1.375 - 4.93 | ||
| Shares Outstanding (Mil) | 1,254.15 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 4 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
Zip Co Ltd Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
Zip Co Ltd Stock Events
| Event | Date | Price (A$) | ||
|---|---|---|---|---|
| General meeting for 2026 | 2026-11-06 10:00 | In 129 days | ||
| Annual report for 2026 | 2026-08-21 | In 51 days | ||
| Fourth quarter earnings conference call for 2026 | 2026-08-20 | In 50 days | ||
| Fourth quarter earnings results for 2026 | 2026-08-20 | In 50 days | ||
| Second quarter earnings conference call for 2026 | 2026-02-19 10:00 | 2.82 (+5.62%) | ||
| Second quarter earnings results for 2026 | 2026-02-19 | 2.82 (+5.62%) | ||
| General meeting for 2025 | 2025-11-06 10:00 | 3.77 (-0.79%) | ||
| Fourth quarter earnings conference call for 2025 | 2025-08-22 10:00 | 3.12 (+2.63%) | ||
| Annual report for 2025 | 2025-08-22 | 3.12 (+2.63%) | ||
| Fourth quarter earnings results for 2025 | 2025-08-22 | 3.12 (+2.63%) |
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Zip Co Ltd Frequently Asked Questions
What is Zip Co Ltd(ASX:ZIP)'s stock price today?
The current price of ASX:ZIP is A$3.24. The 52 week high of ASX:ZIP is A$4.93 and 52 week low is A$1.38.
When is next earnings date of Zip Co Ltd(ASX:ZIP)?
The next earnings date of Zip Co Ltd(ASX:ZIP) is 2026-08-20.
Does Zip Co Ltd(ASX:ZIP) pay dividends? If so, how much?
Zip Co Ltd(ASX:ZIP) does not pay dividend.
Press Release
Articles on Zip Co Ltd
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