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Zip CoASX:ZIP -5.10%67 3-1 Month Momentum % is 24.46% as of Jul. 17, 2026. GuruFocus rates ASX:ZIP with a GF Score™ of 67/100 and a GF Value™ of A$2.09 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 562 Credit Services companies, Zip Co ranks better than 94.48% on this metric.
3-1 Month Momentum % is the total return of the stock from 3-month ago to 1-month ago. As of today (2026-07-17), Zip Co's 3-1 Month Momentum % is 24.46%.
The industry rank for Zip Co's 3-1 Month Momentum % or its related term are showing as below:
ASX:ZIP's 3-1 Month Momentum % is ranked better than 94.48% of 562
companies
in the Credit Services industry
Industry Median: -1.575
vs ASX:ZIP: 24.46
Zip Co (ASX:ZIP) 3-1 Month Momentum % Explanation
Momentum investing is a trading strategy in which investors buy securities that are rising and sell before the prices start to go back down. The 3-1 Month Momentum % measures the total return to a stock over the past three months, but ignores the previous month.
The reason why the most recent month’s return dropped related to the short-term reversal effect associated with momentum. There is an academic finding that short-term momentum actually has a reversal effect, whereby the previous winners (measured over the past months) do poorly the next month, while the previous losers do well the next month. In order to eliminate the short-term reversal effect, the previous month return was not included in this calculation.
Zip Co 3-1 Month Momentum % Related Terms
ASX:ZIP vs V, MA, AXP: 3-1 Month Momentum % Comparison
For the Credit Services subindustry, Zip Co's 3-1 Month Momentum %, along with its competitors' market caps and 3-1 Month Momentum % 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 3-1 Month Momentum % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Zip Co's 3-1 Month Momentum % distribution charts can be found below:
* The bar in red indicates where Zip Co's 3-1 Month Momentum % 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 (ASX:ZIP) has a 3-1 Month Momentum % of 24.46% as of Jul. 17, 2026. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on Zip Co and its competitors. According to the industry distribution chart, Zip Co ranks #31 out of 562 companies in the Credit Services industry, placing it in the top 5.5%.
Is Zip Co's 3-1 Month Momentum % too high?
Zip Co's current 3-1 Month Momentum % is 24.46%. Based on the distribution chart, Zip Co ranks #31 out of 562 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Zip Co has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Zip Co's 3-1 Month Momentum % compare to V and MA?
According to the Credit Services industry distribution chart, Zip Co ranks #31 out of 562 companies for 3-1 Month Momentum %. This places Zip Co in the top 6% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-1 Month Momentum % for a Credit Services company?
A good 3-1 Month Momentum % depends on the Credit Services industry context. However, 3-1 Month Momentum % 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 3-1 Month Momentum % mean?
A high 3-1 Month Momentum % can signal that a stock is expensive relative to its fundamentals. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on Zip Co and its competitors. Zip Co's current 3-1 Month Momentum % is 24.46%. 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$2.98 — trading 42.6% above its estimated fair value. The current 3-1 Month Momentum % is 24.46%. Zip Co's overall GF Score™ is 67/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-1 Month Momentum % calculated?
3-1 Month Momentum % is calculated from a company's financial statements. For Zip Co (ASX:ZIP), the current 3-1 Month Momentum % is 24.46% as of Jul. 17, 2026. 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$2.98 is trading 42.6% above its estimated GF Value™ of A$2.09.
GuruFocus considers Zip Co to be Significantly Overvalued.
Key valuation signals for ASX:ZIP:
3-1 Month Momentum %: 24.46%
GF Value™: A$2.09 vs. price of A$2.98 (42.6% above fair value)
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 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.
67GF Score
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