Zip CoASX:ZIP -2.78%62 Days Payable is 780.54 as of Dec. 2025, which is 983% above its 10-year median of 72.07. GuruFocus rates ASX:ZIP with a GF Score™ of 62/100 and a GF Value™ of A$2.07 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 301 Credit Services companies, Zip Co ranks better than 88.7% on this metric.
Zip Co's average Accounts Payable for the
six
months ended in Dec. 2025 was A$404 Mil. Zip Co's Cost of Goods Sold for the
six
months ended in Dec. 2025 was A$95 Mil.
Hence, Zip Co's Days Payable for the
six
months ended in Dec. 2025 was 780.54.
The historical rank and industry rank for Zip Co's Days Payable or its related term are showing as below:
ASX:ZIP'
s Days Payable Range Over the Past 10 Years
Min: 43.82 Med: 72.07 Max: 382.65
Current: 382.65
During the past 13 years, Zip Co's highest Days Payable was 382.65. The lowest was 43.82. And the median was 72.07.
ASX:ZIP's Days Payable is ranked better than 88.7% of 301
companies
in the Credit Services industry
Industry Median: 33.87
vs ASX:ZIP: 382.65
Zip Co's Days Payable
increased
from Dec. 2024 (693.77) to Dec. 2025 (780.54).
It may suggest that Zip Codelayed paying its suppliers.
Zip Co Days Payable Related Terms
Zip Co Days Payable Historical Data
* Premium members only.
The historical data trend for Zip Co's Days Payable 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.
For the Credit Services subindustry, Zip Co's Days Payable, along with its competitors' market caps and Days Payable 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 Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Zip Co's Days Payable distribution charts can be found below:
* The bar in red indicates where Zip Co's Days Payable falls into.
Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.
Zip Co's Days Payable for the fiscal year that ended in Jun. 2025 is calculated as
* 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 (ASX:ZIP) has a Days Payable of 780.54 as of Dec. 2025. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Zip Co and its competitors. This is 983% above median its historical median of 72.07. Over the past decade, Zip Co's Days Payable has ranged from 43.82 to 382.65. According to the industry distribution chart, Zip Co ranks #34 out of 301 companies in the Credit Services industry, placing it in the top 11.3%.
Is Zip Co's Days Payable too high?
Zip Co's current Days Payable of 780.54 is 983% above median its 10-year median of 72.07. Over the past 10 years, this metric has ranged from a low of 43.82 to a high of 382.65. The Credit Services industry median Days Payable is 33.87. Zip Co's value of 780.54 is 2204.5% above this industry median. Based on the distribution chart, Zip Co ranks #34 out of 301 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Zip Co has a GF Score™ of 62/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Zip Co's Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, Zip Co ranks #34 out of 301 companies for Days Payable. This places Zip Co in the top 11% of its industry — outperforming the majority of peers. The industry median Days Payable is 33.87. Zip Co's value of 780.54 is 2204.5% above this benchmark. Historically, Zip Co's own Days Payable has ranged from 43.82 to 382.65 over the past decade. While the company's 10-year median is 72.07 vs. the industry median of 33.87, Zip Co has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Days Payable for a Credit Services company?
The median Days Payable among Credit Services companies is 33.87, based on 301 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Zip Co's current Days Payable of 780.54 is 2204.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Days Payable mean?
A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Zip Co and its competitors. For the Credit Services industry, the median Days Payable is 33.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zip Co's current Days Payable is 780.54, which is 983% above median its own 10-year median of 72.07. 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$2.07, compared to a current price of A$3.15 — trading 52.2% above its estimated fair value. The current Days Payable is 780.54, which is 983% above median its 10-year median of 72.07 and 2204.5% above the Credit Services industry median of 33.87. Zip Co's overall GF Score™ is 62/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Days Payable calculated?
Days Payable is calculated from a company's financial statements. For Zip Co (ASX:ZIP), the current Days Payable is 780.54 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$3.15 is trading 52.2% above its estimated GF Value™ of A$2.07.
GuruFocus considers Zip Co to be Significantly Overvalued.
Key valuation signals for ASX:ZIP:
Days Payable: 780.54 (983% above median its 10-year median of 72.07)
GF Value™: A$2.07 vs. price of A$3.15 (52.2% above fair value)
Industry Position: 2204.5% above the Credit Services median (#34 of 301)
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.
62GF Score
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