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Pretax income is the income that a company earns before paying income taxes. Zip Co's pretax income for the
six
months ended in Dec. 2025 was A$66 Mil.
Its pretax income for the trailing twelve months (TTM) ended in Dec. 2025 was A$120 Mil.
Zip Co's pretax margin was 10.07%.
During the past 13 years, Zip Co's highest Pretax Margin was 9.82%. The lowest was -182.34%. And the median was -55.57%.
During the past 13 years, Zip Co's highest Pretax Margin was 9.82%. The lowest was -182.34%. And the median was -55.57%.
* 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 Pre-Tax Income Related Terms
Zip Co Pre-Tax Income Historical Data
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The historical data trend for Zip Co's Pre-Tax 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.
For the Credit Services subindustry, Zip Co's Pre-Tax Income, along with its competitors' market caps and Pre-Tax Income 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 Pre-Tax Income vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Zip Co's Pre-Tax Income distribution charts can be found below:
* The bar in red indicates where Zip Co's Pre-Tax Income falls into.
Pre-Tax 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$120 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.
Zip Co (ASX:ZIP) has a Pre-Tax Income of A$120 Mil as of Dec. 2025. Pre-Tax Income is the total earnings before taxes but after all operating and interest expenses. View historical data on Zip Co and its competitors.
Is Zip Co's Pre-Tax Income too high?
Zip Co's current Pre-Tax Income is A$120 Mil. Overall, Zip Co has a GF Score™ of 68/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Zip Co's Pre-Tax Income compare to V and MA?
Zip Co's Pre-Tax Income of A$120 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 Pre-Tax Income for a Credit Services company?
A good Pre-Tax Income depends on the Credit Services industry context. However, Pre-Tax 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 Pre-Tax Income mean?
A high Pre-Tax Income can signal that a stock is expensive relative to its fundamentals. Pre-Tax Income is the total earnings before taxes but after all operating and interest expenses. View historical data on Zip Co and its competitors. Zip Co's current Pre-Tax Income is A$120 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$2.10, compared to a current price of A$2.79 — trading 32.9% above its estimated fair value. The current Pre-Tax Income is A$120 Mil. Zip Co's overall GF Score™ is 68/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Pre-Tax Income calculated?
Pre-Tax Income is calculated from a company's financial statements. For Zip Co (ASX:ZIP), the current Pre-Tax Income is A$120 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$2.79 is trading 32.9% above its estimated GF Value™ of A$2.10.
GuruFocus considers Zip Co to be Significantly Overvalued.
Key valuation signals for ASX:ZIP:
Pre-Tax Income: A$120 Mil
GF Value™: A$2.10 vs. price of A$2.79 (32.9% 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.
68GF Score
Get the complete analysis for ASX:ZIP
Pre-Tax Income is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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