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Zip CoASX:ZIP -1.44%64 3-Year EPS without NRI Growth Rate is 0.00% as of Dec. 2025. GuruFocus rates ASX:ZIP with a GF Score™ of 64/100 and a GF Value™ of A$2.12 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 435 Credit Services companies, Zip Co ranks worse than 229884.83% on this metric.
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 EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Zip Co was 28.60% per year. The lowest was -153.50% per year. And the median was 4.80% per year.
Zip Co (ASX:ZIP) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Zip Co 3-Year EPS without NRI Growth Rate Related Terms
ASX:ZIP vs V, MA, AXP: 3-Year EPS without NRI Growth Rate Comparison
For the Credit Services subindustry, Zip Co's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI 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 EPS without NRI Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Zip Co's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Zip Co's 3-Year EPS without NRI Growth Rate falls into.
Zip Co 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. 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 EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 0.00% mean?
Zip Co (ASX:ZIP) has a 3-Year EPS without NRI Growth Rate of 0.00% as of Dec. 2025. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Zip Co and its competitors. According to the industry distribution chart, Zip Co ranks #999999 out of 435 companies in the Credit Services industry.
Is Zip Co's 3-Year EPS without NRI Growth Rate too high?
Zip Co's current 3-Year EPS without NRI Growth Rate is 0.00%. Based on the distribution chart, Zip Co ranks #999999 out of 435 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Zip Co has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Zip Co's 3-Year EPS without NRI Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, Zip Co ranks #999999 out of 435 companies for 3-Year EPS without NRI Growth Rate. This places Zip Co in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 11.40. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EPS without NRI Growth Rate for a Credit Services company?
The median 3-Year EPS without NRI Growth Rate among Credit Services companies is 11.40, based on 435 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI 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 EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Zip Co and its competitors. For the Credit Services industry, the median 3-Year EPS without NRI Growth Rate is 11.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zip Co's current 3-Year EPS without NRI Growth Rate is 0.00%. 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 Modestly Overvalued. The stock's GF Value™ is A$2.12, compared to a current price of A$2.73 — trading 28.8% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 0.00%. Zip Co's overall GF Score™ is 64/100 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 EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Zip Co (ASX:ZIP), the current 3-Year EPS without NRI Growth Rate is 0.00% 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$2.73 is trading 28.8% above its estimated GF Value™ of A$2.12.
GuruFocus considers Zip Co to be Modestly Overvalued.
Key valuation signals for ASX:ZIP:
3-Year EPS without NRI Growth Rate: 0.00%
GF Value™: A$2.12 vs. price of A$2.73 (28.8% above 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.
64GF Score
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3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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