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Zip CoASX:ZIP +4.76%69 Earnings per Share (Diluted) is A$0.08 as of Dec. 2025. GuruFocus rates ASX:ZIP with a GF Score™ of 69/100 and a GF Value™ of A$2.10 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 433 Credit Services companies, Zip Co ranks worse than 230946.65% on this metric.
Zip Co's EPS (Basic) for the
six
months ended in Dec. 2025 was A$0.04.
Its EPS (Basic) for the trailing twelve months (TTM) ended in Dec. 2025 was A$0.09.
Zip Co's EPS without NRI for the
six
months ended in Dec. 2025 was A$0.04.
Its EPS without NRI for the trailing twelve months (TTM) ended in Dec. 2025 was A$0.08.
During the past 13 years, Zip Co's highest 3-Year average EPS without NRI Growth Rate was 28.60% per year. The lowest was -153.50% per year. And the median was 4.80% per year.
Zip Co (ASX:ZIP) Earnings per Share (Diluted) Explanation
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 EPS without NRI, which better reflects the company's underlying performance.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
Zip Co Earnings per Share (Diluted) Related Terms
Zip Co Earnings per Share (Diluted) Historical Data
* Premium members only.
The historical data trend for Zip Co's Earnings per Share (Diluted) 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.
ASX:ZIP vs V, MA, AXP: Earnings per Share (Diluted) Comparison
For the Credit Services subindustry, Zip Co's PE Ratio, along with its competitors' market caps and PE Ratio 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 PE Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Zip Co's PE Ratio distribution charts can be found below:
* The bar in red indicates where Zip Co's PE Ratio falls into.
Earnings Per Share (EPS) is the amount of earnings per outstanding share of the company's stock. In calculating earnings per share, the dividends of preferred stocks need to subtracted from the total net income first.
Zip Co's Earnings Per Share (Diluted) for the fiscal year that ended in Jun. 2025 is calculated as
Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 adds up the semi-annually data reported by the company within the most recent 12 months, which was A$0.08
* 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.
Companies also reported diluted shares in their financial reports. Diluted shares include the shares of convertibles or warrants outstanding.
What does a Earnings per Share (Diluted) of A$0.08 mean?
Zip Co (ASX:ZIP) has a Earnings per Share (Diluted) of A$0.08 as of Dec. 2025. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Zip Co and its competitors. According to the industry distribution chart, Zip Co ranks #999999 out of 433 companies in the Credit Services industry.
Is Zip Co's Earnings per Share (Diluted) too high?
Zip Co's current Earnings per Share (Diluted) is A$0.08. Based on the distribution chart, Zip Co ranks #999999 out of 433 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 Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Zip Co's Earnings per Share (Diluted) compare to V and MA?
According to the Credit Services industry distribution chart, Zip Co ranks #999999 out of 433 companies for Earnings per Share (Diluted). This places Zip Co in the lower half of its industry. The industry median Earnings per Share (Diluted) 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 Earnings per Share (Diluted) for a Credit Services company?
The median Earnings per Share (Diluted) among Credit Services companies is 11.40, based on 433 companies in the industry. Companies in the top quartile (top 25%) have a Earnings per Share (Diluted) significantly above this median, while those in the bottom quartile fall well below. However, Earnings per Share (Diluted) 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 Earnings per Share (Diluted) mean?
A high Earnings per Share (Diluted) can signal that a stock is expensive relative to its fundamentals. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Zip Co and its competitors. For the Credit Services industry, the median Earnings per Share (Diluted) is 11.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zip Co's current Earnings per Share (Diluted) is A$0.08. 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$2.10, compared to a current price of A$2.64 — trading 25.7% above its estimated fair value. The current Earnings per Share (Diluted) is A$0.08. 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 Earnings per Share (Diluted) calculated?
Earnings per Share (Diluted) is calculated from a company's financial statements. For Zip Co (ASX:ZIP), the current Earnings per Share (Diluted) is A$0.08 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$2.64 is trading 25.7% above its estimated GF Value™ of A$2.10.
GuruFocus considers Zip Co to be Modestly Overvalued.
Key valuation signals for ASX:ZIP:
Earnings per Share (Diluted): A$0.08
GF Value™: A$2.10 vs. price of A$2.64 (25.7% 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.
69GF Score
Get the complete analysis for ASX:ZIP
Earnings per Share (Diluted) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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