Zip Co (ASX:ZIP) Net Income: A$109 Mil (TTM As of Dec. 2025)


ASX:ZIP Zip Co Ltd ASX:ZIP
63 GF Score
Price A$3.13
GF Value A$2.09
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Zip Co Net Income?

Zip Co ASX:ZIP +1.95% 63 Net Income is A$109 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.

Net Income is the net profit that a company earns after deducting all costs and losses including cost of goods, SGA, DDA, interest expenses, non-recurring items and tax. Zip Co's Net Income for the six months ended in Dec. 2025 was A$52 Mil. Its Net Income for the trailing twelve months (TTM) ended in Dec. 2025 was A$109 Mil.

Net Income is linked to the most popular Earnings per Share (Diluted) number. Zip Co's Earnings per Share (Diluted) for the six months ended in Dec. 2025 was A$0.04.


Zip Co  (ASX:ZIP) Net Income Explanation

Net Income is the most widely cited number in reporting a company's profitability. It is linked to the most popular earnings-per-share (EPS) number through:

Zip Co's Earnings per Share (Diluted) (EPS) for the quarter that ended in Dec. 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.

Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.

EPS is most useful for companies that have:

A predictable business
Consistent accounting methods
And few restructurings

The dividend paid to preferred stocks needs to be subtracted from the total net income in the calculation of EPS because common stock holders are not entitled to that part of the net income.


Be Aware

Warren Buffett looks for consistency and upward long term trend. Because of share repurchase it is possible for net earnings trend to differ from EPS trend. He preferred Net Income over EPS. The companies with durable competitive advantage companies report higher % net earnings to total revenues.

Important: If a company is showing net earnings history greater than 20% on total revenues, it is probably benefiting from a long term competitive advantage.

If net earnings is less than 10%, likely to be in a highly competitive business.


Zip Co Net Income Related Terms


Zip Co Net Income Historical Data

* Premium members only.

The historical data trend for Zip Co's Net Income 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 Net Income Chart

Zip Co Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Net Income
Get a 7-Day Free Trial Premium Member Only Premium Member Only -658.77 -1,105.09 -377.02 3.66 79.90

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
Net Income 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 73.03 -69.38 23.01 56.89 52.35
ASX:ZIP
63GF Score
Zip Co Ltd ASX:ZIP
Net Income is just one metric. See GF Score™, valuation, warning signs, and more.
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Zip Co Net Income Calculation

Net Income is the net profit that a company earns after deducting all costs and losses including cost of goods, SGA, DDA, interest expenses, non-recurring items and tax.

Net Income
= Revenue - Cost of Goods Sold - Selling, General, & Admin. Expense - Research & Development - Depreciation, Depletion and Amortization - Interest Expense - Non Operating Income (NRI) - Tax Expense + Others
= EBITDA - Depreciation, Depletion and Amortization - Interest Expense - Non Operating Income (NRI) - Tax Expense + Others
= Operating Income - Interest Expense - Non Operating Income (NRI) - Tax Expense + Others
= Pre-Tax Income - Tax Expense + Others

Zip Co's Net Income for the fiscal year that ended in Jun. 2025 is calculated as

Net Income(A: Jun. 2025 )
= Pre-Tax Income + Tax Provision + Net Income (Discontinued Operations) + Others
=25.336+54.559+0+0
=80

Zip Co's Net Income for the quarter that ended in Dec. 2025 is calculated as

Net Income(Q: Dec. 2025 )
= Pre-Tax Income + Tax Provision + Net Income (Discontinued Operations) + Others
=66.252+-13.9+0+0
=52

Net Income 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$109 Mil.

* 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 Net Income →
What does a Net Income of A$109 Mil mean?
Zip Co (ASX:ZIP) has a Net Income of A$109 Mil as of Dec. 2025. Net Income is the total earnings after all operating expenses, interest and taxes. View historical data on Zip Co and its competitors.
Is Zip Co's Net Income too high?
Zip Co's current Net Income is A$109 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 Net Income compare to V and MA?
Zip Co's Net Income of A$109 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 Net Income for a Credit Services company?
A good Net Income depends on the Credit Services industry context. However, Net Income 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 Net Income mean?
A high Net Income can signal that a stock is expensive relative to its fundamentals. Net Income is the total earnings after all operating expenses, interest and taxes. View historical data on Zip Co and its competitors. Zip Co's current Net Income is A$109 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 Net Income is A$109 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 Net Income calculated?
Net Income is calculated from a company's financial statements. For Zip Co (ASX:ZIP), the current Net Income is A$109 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:

  • Net Income: A$109 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

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.
63GF Score

Get the complete analysis for ASX:ZIP

Net Income 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