Zip Co (ASX:ZIP) Total Liabilities: A$3,313 Mil (As of Dec. 2025)

What is Zip Co Total Liabilities?

Zip Co ASX:ZIP +3.51% 62 Total Liabilities is A$3,313 Mil as of Dec. 2025. GuruFocus rates ASX:ZIP with a GF Score™ of 62/100 and a GF Value™ of A$2.07 (Significantly Overvalued). The stock has 7 warning signs investors should review.

Zip Co's Total Liabilities for the quarter that ended in Dec. 2025 was A$3,313 Mil.

Zip Co's quarterly Total Liabilities declined from Dec. 2024 (A$2,885.34 Mil) to Jun. 2025 (A$2,795.15 Mil) but then increased from Jun. 2025 (A$2,795.15 Mil) to Dec. 2025 (A$3,313.48 Mil).

Zip Co's annual Total Liabilities declined from Jun. 2023 (A$3,160.43 Mil) to Jun. 2024 (A$2,783.73 Mil) but then increased from Jun. 2024 (A$2,783.73 Mil) to Jun. 2025 (A$2,795.15 Mil).

Zip Co Total Liabilities Related Terms

Zip Co Total Liabilities Historical Data

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The historical data trend for Zip Co's Total Liabilities 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.

Zip Co Total Liabilities Chart

Zip Co Annual Data

Trend

Jun16

Jun17

Jun18

Jun19

Jun20

Jun21

Jun22

Jun23

Jun24

Jun25

Total Liabilities

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2,226.25

2,948.41

3,160.43

2,783.73

2,795.15

Zip Co Semi-Annual Data
	Jun16	Dec16	Jun17	Dec17	Jun18	Dec18	Jun19	Dec19	Jun20	Dec20	Jun21	Dec21	Jun22	Dec22	Jun23	Dec23	Jun24	Dec24	Jun25	Dec25
Total Liabilities	Get a 7-Day Free Trial															2,955.13	2,783.73	2,885.34	2,795.15	3,313.48

62GF Score

Zip Co Ltd ASX:ZIP

Total Liabilities is just one metric. See GF Score™, valuation, warning signs, and more.

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Zip Co Total Liabilities Calculation

Total Liabilities are the liabilities that the company has to pay others. It is a part of the balance sheet of a company that shareholders do not own, and would be obligated to pay back if the company liquidated.

Zip Co's Total Liabilities for the fiscal year that ended in Jun. 2025 is calculated as

Total Liabilities	=	Total Current Liabilities	+	Total Noncurrent Liabilities
	=	Total Current Liabilities	+	(Long-Term Debt & Capital Lease Obligation	+	Other Long-Term Liabilities
	=	371.151	+	(2423.997	+	4.5474735088646E-13
	+	NonCurrent Deferred Liabilities	+	PensionAndRetirementBenefit	+	NonCurrent Deferred Income Tax)
	+	0	+	0	+	0)
	=	2,795

Total Liabilities	=	Total Assets (A: Jun. 2025 )	-	Total Equity (A: Jun. 2025 )
	=	3504.668	-	709.52
	=	2,795

Zip Co's Total Liabilities for the quarter that ended in Dec. 2025 is calculated as

Total Liabilities	=	Total Current Liabilities	+	Total Noncurrent Liabilities
	=	Total Current Liabilities	+	(Long-Term Debt & Capital Lease Obligation	+	Other Long-Term Liabilities
	=	773.991	+	(2539.485	+	0
	+	NonCurrent Deferred Liabilities	+	PensionAndRetirementBenefit	+	NonCurrent Deferred Income Tax)
	+	0	+	0	+	0)
	=	3,313

Total Liabilities	=	Total Assets (Q: Dec. 2025 )	-	Total Equity (Q: Dec. 2025 )
	=	3977.579	-	664.103
	=	3,313

Frequently Asked Questions Learn more about Total Liabilities →

What does a Total Liabilities of A$3,313 Mil mean?

Zip Co (ASX:ZIP) has a Total Liabilities of A$3,313 Mil as of Dec. 2025. The total amount of liabilities as recorded on a company's balance sheet. View historical data for Zip Co and its competitors.

Is Zip Co's Total Liabilities too high?

Zip Co's current Total Liabilities is A$3,313 Mil. Overall, Zip Co has a GF Score™ of 62/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Zip Co's Total Liabilities compare to V and MA?

Zip Co's Total Liabilities of A$3,313 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 Total Liabilities for a Credit Services company?

A good Total Liabilities depends on the Credit Services industry context. However, Total Liabilities 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 Total Liabilities mean?

A high Total Liabilities can signal that a stock is expensive relative to its fundamentals. The total amount of liabilities as recorded on a company's balance sheet. View historical data for Zip Co and its competitors. Zip Co's current Total Liabilities is A$3,313 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$2.07, compared to a current price of A$3.24 — trading 56.5% above its estimated fair value. The current Total Liabilities is A$3,313 Mil. Zip Co's overall GF Score™ is 62/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is Total Liabilities calculated?

Total Liabilities is calculated from a company's financial statements. For Zip Co (ASX:ZIP), the current Total Liabilities is A$3,313 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$3.24 is trading 56.5% above its estimated GF Value™ of A$2.07. GuruFocus considers Zip Co to be Significantly Overvalued.

Key valuation signals for ASX:ZIP:

Total Liabilities: A$3,313 Mil
GF Value™: A$2.07 vs. price of A$3.24 (56.5% above fair value)
GF Score™: 62/100 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

Industry Financial Services Credit Services

Comparable Companies ASX:LFG ASX:LFS ASX:CCP ASX:PPM ASX:SVR ASX:HUM ASX:FSA ASX:PLT ASX:PNC ASX:HMY V MA AXP COF BOM:500034 PYPL AFRM SYF NSE:SHRIRAMFIN SOFI

Other Exchanges ZIZTF:USA YRRA:Germany

Address 126 Phillip Street, Level 5, Sydney, NSW, AUS, 2000

Website https://www.zip.co

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.

62GF Score

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

A$3.24

Price

A$2.07

GF Value

View ASX:ZIP Analysis

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