Zip Co (ASX:ZIP) Beginning Cash Position: A$392 Mil (As of Dec. 2025)


ASX:ZIP Zip Co Ltd ASX:ZIP
63 GF Score
Price A$3.18
GF Value A$2.08
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Zip Co Beginning Cash Position?

Zip Co ASX:ZIP -1.24% 63 Beginning Cash Position is A$392 Mil as of Dec. 2025. GuruFocus rates ASX:ZIP with a GF Score™ of 63/100 and a GF Value™ of A$2.08 (Significantly Overvalued). The stock has 7 warning signs investors should review.

Zip Co's Beginning Cash Position for the quarter that ended in Dec. 2025 was A$392 Mil.

Zip Co's quarterly Beginning Cash Position increased from Dec. 2024 (A$353 Mil) to Jun. 2025 (A$527 Mil) but then declined from Jun. 2025 (A$527 Mil) to Dec. 2025 (A$392 Mil).

Zip Co's annual Beginning Cash Position declined from Jun. 2023 (A$300 Mil) to Jun. 2024 (A$276 Mil) but then increased from Jun. 2024 (A$276 Mil) to Jun. 2025 (A$353 Mil).

Zip Co Beginning Cash Position Related Terms

Zip Co Beginning Cash Position Historical Data

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The historical data trend for Zip Co's Beginning Cash Position can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Zip Co Beginning Cash Position Chart

Zip Co Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Beginning Cash Position
Get a 7-Day Free Trial Premium Member Only Premium Member Only 32.71 330.20 299.70 275.91 353.01

Zip Co Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Beginning Cash Position Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 275.91 303.84 353.01 526.98 391.62
ASX:ZIP
63GF Score
Zip Co Ltd ASX:ZIP
Beginning Cash Position is just one metric. See GF Score™, valuation, warning signs, and more.
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Zip Co Beginning Cash Position Calculation

Beginning Cash Position is the cash and equivalents balance at the beginning of the accounting period, as indicated on the Cash Flow statement.

What does a Beginning Cash Position of A$392 Mil mean?
Zip Co (ASX:ZIP) has a Beginning Cash Position of A$392 Mil as of Dec. 2025. Beginning Cash Position is the cash and equivalents balance at the beginning of the accounting period, as indicated on the Cash Flow statement. View historical data on Zip Co and its competitors.
Is Zip Co's Beginning Cash Position too high?
Zip Co's current Beginning Cash Position is A$392 Mil. Overall, Zip Co has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Zip Co's Beginning Cash Position compare to V and MA?
Zip Co's Beginning Cash Position of A$392 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Beginning Cash Position for a Credit Services company?
A good Beginning Cash Position depends on the Credit Services industry context. However, Beginning Cash Position should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Beginning Cash Position mean?
A high Beginning Cash Position can signal that a stock is expensive relative to its fundamentals. Beginning Cash Position is the cash and equivalents balance at the beginning of the accounting period, as indicated on the Cash Flow statement. View historical data on Zip Co and its competitors. Zip Co's current Beginning Cash Position is A$392 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Zip Co stock overvalued right now?
Based on GuruFocus' analysis, Zip Co (ASX:ZIP) is currently considered Significantly Overvalued. The stock's GF Value™ is A$2.08, compared to a current price of A$3.18 — trading 52.9% above its estimated fair value. The current Beginning Cash Position is A$392 Mil. Zip Co's overall GF Score™ is 63/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Beginning Cash Position calculated?
Beginning Cash Position is calculated from a company's financial statements. For Zip Co (ASX:ZIP), the current Beginning Cash Position is A$392 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Zip Co (ASX:ZIP) Overvalued in 2026?

Based on GuruFocus' analysis, Zip Co stock appears to be overvalued. The current stock price of A$3.18 is trading 52.9% above its estimated GF Value™ of A$2.08. GuruFocus considers Zip Co to be Significantly Overvalued.

Key valuation signals for ASX:ZIP:

  • Beginning Cash Position: A$392 Mil
  • GF Value™: A$2.08 vs. price of A$3.18 (52.9% above fair value)
  • GF Score™: 63/100 with 7 warning signs

No single metric tells the full story. See the ASX:ZIP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Zip Co Business Description

Other Exchanges ZIZTF:USAYRRA:Germany
Address 126 Phillip Street, Level 5, Sydney, NSW, AUS, 2000
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.
63GF Score

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Beginning Cash Position is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

A$3.18
Price
A$2.08
GF Value