Zip Co (ASX:ZIP) Net Interest Margin (Bank Only) %


ASX:ZIP Zip Co Ltd ASX:ZIP
62 GF Score
Price A$3.24
GF Value A$2.07
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Zip Co Net Interest Margin (Bank Only) %?

Net Interest Margin (Bank Only) % only applies to banks.

ASX:ZIP
62GF Score
Zip Co Ltd ASX:ZIP
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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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$3.24 is trading 56.5% above its estimated GF Value™ of A$2.07. GuruFocus considers Zip Co to be Significantly Overvalued.

Key valuation signals for ASX:ZIP:

  • Net Interest Margin (Bank Only) %:
  • GF Value™: A$2.07 vs. price of A$3.24 (56.5% above fair value)
  • GF Score™: 62/100 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.
62GF Score

Get the complete analysis for ASX:ZIP

Net Interest Margin (Bank Only) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

A$3.24
Price
A$2.07
GF Value