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Zip CoASX:ZIP -15.74%69 3-Year Book Growth Rate is -4.70% as of Jun. 2026. GuruFocus rates ASX:ZIP with a GF Score™ of 69/100 and a GF Value™ of A$2.72 (Fairly Valued). The stock has 7 warning signs investors should review. Among 517 Credit Services companies, Zip Co ranks worse than 83.56% on this metric.
During the past 12 months, Zip Co's average Book Value per Share Growth Rate was -3.90% per year.
During the past 3 years, the average Book Value per Share Growth Rate was -4.70% per year.
During the past 5 years, the average Book Value per Share Growth Rate was -15.50% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 33.00% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Zip Co was 164.00% per year. The lowest was -52.40% per year. And the median was -18.60% per year.
Zip Co (ASX:ZIP) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Zip Co 3-Year Book Growth Rate Related Terms
ASX:ZIP vs V, MA, AXP: 3-Year Book Growth Rate Comparison
For the Credit Services subindustry, Zip Co's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Zip Co 3-Year Book Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Zip Co's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Zip Co's 3-Year Book Growth Rate falls into.
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of -4.70% mean?
Zip Co (ASX:ZIP) has a 3-Year Book Growth Rate of -4.70% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Zip Co and its competitors. According to the industry distribution chart, Zip Co ranks #432 out of 517 companies in the Credit Services industry, placing it in the top 83.6%.
Is Zip Co's 3-Year Book Growth Rate too high?
Zip Co's current 3-Year Book Growth Rate is -4.70%. Based on the distribution chart, Zip Co ranks #432 out of 517 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Zip Co has a GF Score™ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Zip Co's 3-Year Book Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, Zip Co ranks #432 out of 517 companies for 3-Year Book Growth Rate. This places Zip Co in the lower half of its industry. The industry median 3-Year Book Growth Rate is 5.60. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Credit Services company?
The median 3-Year Book Growth Rate among Credit Services companies is 5.60, based on 517 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate 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 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Zip Co and its competitors. For the Credit Services industry, the median 3-Year Book Growth Rate is 5.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zip Co's current 3-Year Book Growth Rate is -4.70%. 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 Fairly Valued. The stock's GF Value™ is A$2.72, compared to a current price of A$2.57 — trading 5.5% below its estimated fair value. The current 3-Year Book Growth Rate is -4.70%. Zip Co's overall GF Score™ is 69/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Zip Co (ASX:ZIP), the current 3-Year Book Growth Rate is -4.70% as of Jun. 2026. 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 undervalued.
The current stock price of A$2.57 is trading 5.5% below its estimated GF Value™ of A$2.72.
GuruFocus considers Zip Co to be Fairly Valued.
Key valuation signals for ASX:ZIP:
3-Year Book Growth Rate: -4.70%
GF Value™: A$2.72 vs. price of A$2.57 (5.5% below fair value)
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 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.
69GF Score
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