Zip Co (FRA:YRRA) Net Interest Margin (Bank Only) %

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:YRRA Zip Co Ltd FRA:YRRA
72 GF Score
Price €1.51
GF Value €1.27
Valuation Modestly 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.

FRA:YRRA
72GF Score
Zip Co Ltd FRA:YRRA
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Zip Co (FRA:YRRA) Overvalued in 2026?

Based on GuruFocus' analysis, Zip Co stock appears to be overvalued. The current stock price of €1.51 is trading 18.9% above its estimated GF Value™ of €1.27. GuruFocus considers Zip Co to be Modestly Overvalued.

Key valuation signals for FRA:YRRA:

  • Net Interest Margin (Bank Only) %:
  • GF Value™: €1.27 vs. price of €1.51 (18.9% above fair value)
  • GF Score™: 72/100 with 7 warning signs

No single metric tells the full story. See the FRA:YRRA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Zip Co Business Description

Other Exchanges ZIZTF:USAZIP:Australia
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.
72GF Score

Get the complete analysis for FRA:YRRA

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

€1.51
Price
€1.27
GF Value