Zip CoASX:ZIP +4.53%63 Receivables Turnover is 0.22 as of Dec. 2025. GuruFocus rates ASX:ZIP with a GF Score™ of 63/100 and a GF Value™ of A$2.08 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 294 Credit Services companies, Zip Co ranks worse than 84.69% on this metric.
The Receivables Turnover ratio measures the number of times a company collects its average accounts receivable balance. It is calculated as Revenue divided by average Accounts Receivable. An efficient company has a higher accounts receivable turnover ratio while an inefficient company has a lower ratio. Zip Co's Revenue for the
six
months ended in Dec. 2025 was A$658 Mil. Zip Co's average Accounts Receivable for the
six
months ended in Dec. 2025 was A$3,010 Mil.
Hence, Zip Co's Receivables Turnover for the
six
months ended in Dec. 2025 was 0.22.
Zip Co (ASX:ZIP) Receivables Turnover Explanation
An efficient company has a higher accounts receivable turnover ratio while an inefficient company has a lower ratio. This metric is commonly used to compare companies within the same industry to check whether they are on par with their competitors.
Zip Co Receivables Turnover Related Terms
Zip Co Receivables Turnover Historical Data
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The historical data trend for Zip Co's Receivables Turnover 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.
ASX:ZIP vs V, MA, AXP: Receivables Turnover Comparison
For the Credit Services subindustry, Zip Co's Receivables Turnover, along with its competitors' market caps and Receivables Turnover 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 Receivables Turnover vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Zip Co's Receivables Turnover distribution charts can be found below:
* The bar in red indicates where Zip Co's Receivables Turnover 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 Receivables Turnover of 0.22 as of Dec. 2025. The accounts receivables turnover ratio measures the number of times a company collects its average accounts receivable balance. It is calculated as Revenue divided by Average Accounts Receivable. View historical data on Zip Co and its competitors. According to the industry distribution chart, Zip Co ranks #249 out of 294 companies in the Credit Services industry, placing it in the top 84.7%.
Is Zip Co's Receivables Turnover too high?
Zip Co's current Receivables Turnover is 0.22. The Credit Services industry median Receivables Turnover is 9.00. Zip Co's value of 0.22 is 97.6% below this industry median. Based on the distribution chart, Zip Co ranks #249 out of 294 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Zip Co has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Zip Co's Receivables Turnover compare to V and MA?
According to the Credit Services industry distribution chart, Zip Co ranks #249 out of 294 companies for Receivables Turnover. This places Zip Co in the lower half of its industry. The industry median Receivables Turnover is 9.00. Zip Co's value of 0.22 is 97.6% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Receivables Turnover for a Credit Services company?
The median Receivables Turnover among Credit Services companies is 9.00, based on 294 companies in the industry. Companies in the top quartile (top 25%) have a Receivables Turnover significantly above this median, while those in the bottom quartile fall well below. However, Receivables Turnover should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Zip Co's current Receivables Turnover of 0.22 is 97.6% below 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 Receivables Turnover mean?
A high Receivables Turnover can signal that a stock is expensive relative to its fundamentals. The accounts receivables turnover ratio measures the number of times a company collects its average accounts receivable balance. It is calculated as Revenue divided by Average Accounts Receivable. View historical data on Zip Co and its competitors. For the Credit Services industry, the median Receivables Turnover is 9.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zip Co's current Receivables Turnover is 0.22. 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$2.08, compared to a current price of A$3.23 — trading 55.3% above its estimated fair value. The current Receivables Turnover is 0.22 and 97.6% below the Credit Services industry median of 9.00. Zip Co's overall GF Score™ is 63/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Receivables Turnover calculated?
Receivables Turnover is calculated from a company's financial statements. For Zip Co (ASX:ZIP), the current Receivables Turnover is 0.22 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$3.23 is trading 55.3% above its estimated GF Value™ of A$2.08.
GuruFocus considers Zip Co to be Significantly Overvalued.
Key valuation signals for ASX:ZIP:
Receivables Turnover: 0.22
GF Value™: A$2.08 vs. price of A$3.23 (55.3% above fair value)
Industry Position: 97.6% below the Credit Services median (#249 of 294)
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.
63GF Score
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