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Zip CoASX:ZIP +4.76%66 3-Year Share Buyback Ratio is -23.40 as of Dec. 2025. GuruFocus rates ASX:ZIP with a GF Score™ of 66/100 and a GF Value™ of A$2.10 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 280 Credit Services companies, Zip Co ranks worse than 85% on this metric.
Shares Outstanding (EOP) are shares that have been authorized, issued, and purchased by investors and are held by them.
3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. A positive ratio may indicate share buybacks over the period, while a zero or negative ratio may reflect no repurchases or potential share issuance. Zip Co's current 3-Year Share Buyback Ratio was -23.40%.
The historical rank and industry rank for Zip Co's 3-Year Share Buyback Ratio or its related term are showing as below:
ASX:ZIP'
s 3-Year Share Buyback Ratio Range Over the Past 10 Years
Min: -161.7 Med: -25 Max: -4.5
Current: -23.4
During the past 13 years, Zip Co's highest 3-Year Share Buyback Ratio was -4.50%. The lowest was -161.70%. And the median was -25.00%.
ASX:ZIP's 3-Year Share Buyback Ratio is ranked worse than 85% of 280
companies
in the Credit Services industry
Industry Median: -3.1
vs ASX:ZIP: -23.40
Zip Co (ASX:ZIP) 3-Year Share Buyback Ratio Explanation
A negative number means the company might be issuing new shares. A positive number indicates that the company is buying back shares.
Be Aware
Investors usually like share buybacks. But as pointed by Warren Buffett, only if a company buys back shares at the prices below the stock's intrinsic value, it rewards remaining shareholders. If a company buys its overvalued stocks back, it destroys shareholder value.
Zip Co 3-Year Share Buyback Ratio Related Terms
ASX:ZIP vs V, MA, AXP: 3-Year Share Buyback Ratio Comparison
For the Credit Services subindustry, Zip Co's 3-Year Share Buyback Ratio, along with its competitors' market caps and 3-Year Share Buyback Ratio 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-Year Share Buyback Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Zip Co's 3-Year Share Buyback Ratio distribution charts can be found below:
* The bar in red indicates where Zip Co's 3-Year Share Buyback Ratio falls into.
This is the annualized percentage change in shares outstanding from three years ago to the current year. The annualized percentage change is calculated with expontential compound based on the latest four years of annual data on Shares Outstanding (EOP).
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.
What does a 3-Year Share Buyback Ratio of -23.40 mean?
Zip Co (ASX:ZIP) has a 3-Year Share Buyback Ratio of -23.40 as of Dec. 2025. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Zip Co and its competitors. According to the industry distribution chart, Zip Co ranks #238 out of 280 companies in the Credit Services industry, placing it in the top 85%.
Is Zip Co's 3-Year Share Buyback Ratio too high?
Zip Co's current 3-Year Share Buyback Ratio is -23.40. Based on the distribution chart, Zip Co ranks #238 out of 280 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Zip Co has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Zip Co's 3-Year Share Buyback Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Zip Co ranks #238 out of 280 companies for 3-Year Share Buyback Ratio. This places Zip Co in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Share Buyback Ratio for a Credit Services company?
A good 3-Year Share Buyback Ratio depends on the Credit Services industry context. However, 3-Year Share Buyback Ratio 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-Year Share Buyback Ratio mean?
A high 3-Year Share Buyback Ratio can signal that a stock is expensive relative to its fundamentals. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Zip Co and its competitors. Zip Co's current 3-Year Share Buyback Ratio is -23.40. 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 Modestly Overvalued. The stock's GF Value™ is A$2.10, compared to a current price of A$2.64 — trading 25.7% above its estimated fair value. The current 3-Year Share Buyback Ratio is -23.40. 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 3-Year Share Buyback Ratio calculated?
3-Year Share Buyback Ratio is calculated from a company's financial statements. For Zip Co (ASX:ZIP), the current 3-Year Share Buyback Ratio is -23.40 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$2.64 is trading 25.7% above its estimated GF Value™ of A$2.10.
GuruFocus considers Zip Co to be Modestly Overvalued.
Key valuation signals for ASX:ZIP:
3-Year Share Buyback Ratio: -23.40
GF Value™: A$2.10 vs. price of A$2.64 (25.7% 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.
66GF Score
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3-Year Share Buyback Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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