Zip Co (ASX:ZIP) Ending Cash Position: A$537 Mil (As of Dec. 2025)

Zip Co ASX:ZIP +1.95% 63 Ending Cash Position is A$537 Mil as of Dec. 2025. GuruFocus rates ASX:ZIP with a GF Score™ of 63/100 and a GF Value™ of A$2.09 (Significantly Overvalued). The stock has 7 warning signs investors should review.

Zip Co's Ending Cash Position for the quarter that ended in Dec. 2025 was A$537 Mil.

Zip Co's quarterly Ending Cash Position declined from Dec. 2024 (A$527 Mil) to Jun. 2025 (A$392 Mil) but then increased from Jun. 2025 (A$392 Mil) to Dec. 2025 (A$537 Mil).

Zip Co's annual Ending Cash Position increased from Jun. 2023 (A$276 Mil) to Jun. 2024 (A$353 Mil) and increased from Jun. 2024 (A$353 Mil) to Jun. 2025 (A$392 Mil).

Zip Co Ending Cash Position Related Terms

Zip Co Ending Cash Position Historical Data

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The historical data trend for Zip Co's Ending 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 Ending Cash Position Chart

Zip Co Annual Data

Trend

Jun16

Jun17

Jun18

Jun19

Jun20

Jun21

Jun22

Jun23

Jun24

Jun25

Ending Cash Position

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330.20

299.70

275.91

353.01

391.62

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
Ending Cash Position	Get a 7-Day Free Trial															303.84	353.01	526.98	391.62	536.96

63GF Score

Zip Co Ltd ASX:ZIP

Ending Cash Position is just one metric. See GF Score™, valuation, warning signs, and more.

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Zip Co Ending Cash Position Calculation

Ending Cash Position is the cash and cash equivalents balance at the end of the accounting period, as indicated on the Cash Flow statement. It is equal to the Beginning Cash Position plus the Net Change in Cash.

Zip Co's Ending Cash Position for the fiscal year that ended in Jun. 2025 is calculated as

Ending Cash Position	=	Beginning Cash Position	+	Net Change in Cash
	=	353.006	+	38.615
	=	392

Zip Co's Ending Cash Position for the quarter that ended in Dec. 2025 is calculated as

Ending Cash Position	=	Beginning Cash Position	+	Net Change in Cash
	=	391.62	+	145.344
	=	537

Frequently Asked Questions Learn more about Ending Cash Position →

What does a Ending Cash Position of A$537 Mil mean?

Zip Co (ASX:ZIP) has a Ending Cash Position of A$537 Mil as of Dec. 2025. Ending Cash Position is the cash and cash equivalents balance at the end of the accounting period, as indicated on the Cash Flow statement. View historical data on Zip Co and its competitors.

Is Zip Co's Ending Cash Position too high?

Zip Co's current Ending Cash Position is A$537 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 Ending Cash Position compare to V and MA?

Zip Co's Ending Cash Position of A$537 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 Ending Cash Position for a Credit Services company?

A good Ending Cash Position depends on the Credit Services industry context. However, Ending 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 Ending Cash Position mean?

A high Ending Cash Position can signal that a stock is expensive relative to its fundamentals. Ending Cash Position is the cash and cash equivalents balance at the end of the accounting period, as indicated on the Cash Flow statement. View historical data on Zip Co and its competitors. Zip Co's current Ending Cash Position is A$537 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$2.09, compared to a current price of A$3.13 — trading 49.8% above its estimated fair value. The current Ending Cash Position is A$537 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 Ending Cash Position calculated?

Ending Cash Position is calculated from a company's financial statements. For Zip Co (ASX:ZIP), the current Ending Cash Position is A$537 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$3.13 is trading 49.8% above its estimated GF Value™ of A$2.09. GuruFocus considers Zip Co to be Significantly Overvalued.

Key valuation signals for ASX:ZIP:

Ending Cash Position: A$537 Mil
GF Value™: A$2.09 vs. price of A$3.13 (49.8% 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

Industry Financial Services Credit Services

Comparable Companies ASX:LFG ASX:LFS ASX:CCP ASX:PPM ASX:SVR ASX:HUM ASX:FSA ASX:PLT ASX:PNC ASX:HMY V MA AXP COF BOM:500034 PYPL AFRM SYF NSE:SHRIRAMFIN SOFI

Other Exchanges ZIZTF:USA YRRA:Germany

Address 126 Phillip Street, Level 5, Sydney, NSW, AUS, 2000

Website https://www.zip.co

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

Get the complete analysis for ASX:ZIP

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

A$3.13

Price

A$2.09

GF Value

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