Zip Co (ASX:ZIP) YoY EBITDA Growth: 39.82% (As of Dec. 2025)

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ASX:ZIP Zip Co Ltd ASX:ZIP
68 GF Score
Price A$2.69
GF Value A$2.11
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Zip Co YoY EBITDA Growth?

Zip Co ASX:ZIP +5.08% 68 YoY EBITDA Growth is 39.82% as of Dec. 2025. GuruFocus rates ASX:ZIP with a GF Score™ of 68/100 and a GF Value™ of A$2.11 (Modestly Overvalued). The stock has 7 warning signs investors should review.

YoY EBITDA Growth is the percentage change of EBITDA per Share over the past twelve months. Zip Co's YoY EBITDA Growth for the quarter that ended in Dec. 2025 was 39.82%.

Zip Co's EBITDA per Share for the six months ended in Dec. 2025 was A$0.16.

Zip Co YoY EBITDA Growth Historical Data

* Premium members only.

The historical data trend for Zip Co's YoY EBITDA Growth 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 YoY EBITDA Growth Chart

Zip Co Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
YoY EBITDA Growth
Get a 7-Day Free Trial Premium Member Only Premium Member Only -1,591.14 -29.12 96.84 858.33 -28.57

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
YoY EBITDA Growth Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 442.11 244.00 -56.54 69.77 39.82
ASX:ZIP
68GF Score
Zip Co Ltd ASX:ZIP
YoY EBITDA Growth is just one metric. See GF Score™, valuation, warning signs, and more.
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Zip Co YoY EBITDA Growth Calculation

YoY EBITDA Growth is the percentage change of EBITDA per Share over the past twelve months.

Zip Co's YoY EBITDA Growth for the fiscal year that ended in Jun. 2025 is calculated as:

YoY EBITDA Growth (A: Jun. 2025 )
=(EBITDA per Share (A: Jun. 2025 )-EBITDA per Share (A: Jun. 2024 ))/ | EBITDA per Share (A: Jun. 2024 ) |
=(0.26-0.364)/ | 0.364 |
=-28.57 %

Zip Co's YoY EBITDA Growth for the quarter that ended in Dec. 2025 is calculated as:

YoY EBITDA Growth (Q: Dec. 2025 )
=(EBITDA per Share (Q: Dec. 2025 )-EBITDA per Share (Q: Dec. 2024 )) / | EBITDA per Share (Q: Dec. 2024 )) |
=(0.158-0.113)/ | 0.113 |
=39.82 %

* 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.

Frequently Asked Questions Learn more about YoY EBITDA Growth →
What does a YoY EBITDA Growth of 39.82% mean?
Zip Co (ASX:ZIP) has a YoY EBITDA Growth of 39.82% as of Dec. 2025. YoY EBITDA Growth is the percentage change of EBITDA per share over the past 12-month. View historical data for Zip Co and its competitors.
Is Zip Co's YoY EBITDA Growth too high?
Zip Co's current YoY EBITDA Growth is 39.82%. Overall, Zip Co has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Zip Co's YoY EBITDA Growth compare to V and MA?
Zip Co's YoY EBITDA Growth of 39.82% 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 YoY EBITDA Growth for a Credit Services company?
A good YoY EBITDA Growth depends on the Credit Services industry context. However, YoY EBITDA Growth 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 YoY EBITDA Growth mean?
A high YoY EBITDA Growth can signal that a stock is expensive relative to its fundamentals. YoY EBITDA Growth is the percentage change of EBITDA per share over the past 12-month. View historical data for Zip Co and its competitors. Zip Co's current YoY EBITDA Growth is 39.82%. 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$2.11, compared to a current price of A$2.69 — trading 27.5% above its estimated fair value. The current YoY EBITDA Growth is 39.82%. Zip Co's overall GF Score™ is 68/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is YoY EBITDA Growth calculated?
YoY EBITDA Growth is calculated from a company's financial statements. For Zip Co (ASX:ZIP), the current YoY EBITDA Growth is 39.82% 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$2.69 is trading 27.5% above its estimated GF Value™ of A$2.11. GuruFocus considers Zip Co to be Modestly Overvalued.

Key valuation signals for ASX:ZIP:

  • YoY EBITDA Growth: 39.82%
  • GF Value™: A$2.11 vs. price of A$2.69 (27.5% above fair value)
  • GF Score™: 68/100 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

Other Exchanges ZIZTF:USAYRRA:Germany
Address 126 Phillip Street, Level 5, Sydney, NSW, AUS, 2000
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.
68GF Score

Get the complete analysis for ASX:ZIP

YoY EBITDA Growth is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

A$2.69
Price
A$2.11
GF Value