Zip Co (ASX:ZIP) Growth Rank: 8 (As of Jul. 19, 2026) — Near Median

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Director of Data and Quant Analytics at GuruFocus
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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.

ASX:ZIP Zip Co Ltd ASX:ZIP
66 GF Score
Price A$2.98
GF Value A$2.09
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Zip Co Growth Rank?

Zip Co ASX:ZIP -5.10% 66 Growth Rank is 8 as of Jul. 19, 2026, which is at its 10-year median of 8.00. GuruFocus rates ASX:ZIP with a GF Score™ of 66/100 and a GF Value™ of A$2.09 (Significantly Overvalued). The stock has 7 warning signs investors should review.

Zip Co has the Growth Rank of 8.

GuruFocus Growth Rank measures the growth of a company in terms of its revenue and profitability, rated on a scale from 1 to 10. Historically, the companies with the highest growth ranks performed the best over the long term. It is calculated using the following criteria:

1. 5-year revenue growth rate, the higher, the better.
2. 3-year revenue growth rate, the higher, the better.
3. 5-year EBITDA growth rate, the higher, the better.
4. The predictability of 5-year revenue. The most consistent it is, the higher the rank.

A higher score reflects a greater ability to drive business growth, with companies considered to have strong and sustainable expansion potential. Conversely, a lower score indicates challenges in achieving consistent growth and scalability.

GuruFocus found that the Growth Rank is the second of the two most-sensitive parameters among the five parameters checked. Please click GF Score to see more details on GF Score's 5 Key Aspects of Analysis.

Please note that we are using the five-year EBITDA growth rate as a parameter, so the company needs to have had positive growth over that time. The reason we use EBITDA instead of earnings per share is that with EBITDA, we can rank a lot more companies since a company may have positive EBITDA but negative EPS. Since we are looking at the growth here, EBITDA gives us a pretty clear picture about the growth in the company's business operations.

ASX:ZIP vs V, MA, AXP: Growth Rank Comparison

For the Credit Services subindustry, Zip Co's Growth Rank, along with its competitors' market caps and Growth Rank 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 Growth Rank vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Zip Co's Growth Rank distribution charts can be found below:

* The bar in red indicates where Zip Co's Growth Rank falls into.


ASX:ZIP
66GF Score
Zip Co Ltd ASX:ZIP
Growth Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Growth Rank →
What does a Growth Rank of 8 mean?
Zip Co (ASX:ZIP) has a Growth Rank of 8 as of Jul. 19, 2026. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on Zip Co and its competitors. This is near median its historical median of 8.00. Over the past decade, Zip Co's Growth Rank has ranged from 2.00 to 10.00.
Is Zip Co's Growth Rank too high?
Zip Co's current Growth Rank of 8 is near median its 10-year median of 8.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 10.00. Overall, Zip Co has a GF Score™ of 66/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Zip Co's Growth Rank compare to V and MA?
Zip Co's Growth Rank of 8 can be compared against companies in the Credit Services industry. Historically, Zip Co's own Growth Rank has ranged from 2.00 to 10.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Growth Rank for a Credit Services company?
A good Growth Rank depends on the Credit Services industry context. However, Growth Rank 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 Growth Rank mean?
A high Growth Rank can signal that a stock is expensive relative to its fundamentals. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on Zip Co and its competitors. Zip Co's current Growth Rank is 8, which is near median its own 10-year median of 8.00. 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 Growth Rank is 8, which is near median its 10-year median of 8.00. Zip Co's overall GF Score™ is 66/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Growth Rank calculated?
Growth Rank is calculated from a company's financial statements. For Zip Co (ASX:ZIP), the current Growth Rank is 8 as of Jul. 19, 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:

  • Growth Rank: 8 (near median its 10-year median of 8.00)
  • GF Value™: A$2.09 vs. price of A$2.98 (42.6% above fair value)
  • GF Score™: 66/100 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.
66GF Score

Get the complete analysis for ASX:ZIP

Growth Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

A$2.98
Price
A$2.09
GF Value