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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.
Zip CoFRA:YRRA +8.55%72 OCF Margin % is 20.73% as of Dec. 2025. GuruFocus rates FRA:YRRA with a GF Score™ of 72/100 and a GF Value™ of €1.27 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 534 Credit Services companies, Zip Co ranks worse than 54.31% on this metric.
The historical data trend for Zip Co's OCF Margin % 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.
For the Credit Services subindustry, Zip Co's OCF Margin %, along with its competitors' market caps and OCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Zip Co OCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Zip Co's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Zip Co's OCF Margin % falls into.
* 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 (FRA:YRRA) has a OCF Margin % of 20.73% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Zip Co and its competitors. According to the industry distribution chart, Zip Co ranks #290 out of 534 companies in the Credit Services industry, placing it in the top 54.3%.
Is Zip Co's OCF Margin % too high?
Zip Co's current OCF Margin % is 20.73%. The Credit Services industry median OCF Margin % is 2.63. Zip Co's value of 20.73% is 689.7% above this industry median. Based on the distribution chart, Zip Co ranks #290 out of 534 companies in the Credit Services industry, which is below the industry midpoint. Overall, Zip Co has a GF Score™ of 72/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Zip Co's OCF Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Zip Co ranks #290 out of 534 companies for OCF Margin %. This places Zip Co in the lower half of its industry. The industry median OCF Margin % is 2.63. Zip Co's value of 20.73% is 689.7% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Credit Services company?
The median OCF Margin % among Credit Services companies is 2.63, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Zip Co's current OCF Margin % of 20.73% is 689.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Zip Co and its competitors. For the Credit Services industry, the median OCF Margin % is 2.63 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zip Co's current OCF Margin % is 20.73%. 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 (FRA:YRRA) is currently considered Modestly Overvalued. The stock's GF Value™ is €1.27, compared to a current price of €1.51 — trading 18.9% above its estimated fair value. The current OCF Margin % is 20.73% and 689.7% above the Credit Services industry median of 2.63. Zip Co's overall GF Score™ is 72/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Zip Co (FRA:YRRA), the current OCF Margin % is 20.73% 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 (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:
OCF Margin %: 20.73%
GF Value™: €1.27 vs. price of €1.51 (18.9% above fair value)
Industry Position: 689.7% above the Credit Services median (#290 of 534)
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 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
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