Zip Co (ZIP) Stock Overview
Engages in the provision of digital retail finance, personal finance, and payments solutions in Australia, New Zealand, and the United States. More details
| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 4/6 |
| Past Performance | 3/6 |
| Financial Health | 2/6 |
| Dividends | 0/6 |
Rewards
Risk Analysis
ZIP Community Fair Values
Create NarrativeSee what 119 others think this stock is worth. Follow their fair value or set your own to get alerts.
Zip Co Limited Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | AU$1.45 |
| 52 Week High | AU$4.93 |
| 52 Week Low | AU$1.09 |
| Beta | 3.24 |
| 1 Month Change | -48.76% |
| 3 Month Change | -53.54% |
| 1 Year Change | -22.73% |
| 3 Year Change | 170.09% |
| 5 Year Change | -81.35% |
| Change since IPO | 407.02% |
Recent News & Updates
Recent updates
Fundamental Analysis on BNPL companies should be viewed differently for Valuation Metrics.
I firmly believe that for BNPL companies, you MUST modify the generic fundamental analysis principles of Profitability, Low Debt, P/E, EPS, etc, in order to receive a more accurate company valuation. You have to view BNPL companies as Short term lenders + Payment companies, so your metrics for valuations would look more into Tranaction margin & Net Credit Loss Rate to loan book value, similarly to other lenders / banks.There's Reason For Concern Over Zip Co Limited's (ASX:ZIP) Massive 25% Price Jump
Aug 22
Company To Leverage Stripe Partnership And New Products For Future Success
Zip Co's U.S. expansion and partnerships are set to boost transaction volumes, aiding revenue growth.What Zip Co Limited's (ASX:ZIP) 27% Share Price Gain Is Not Telling You
Sep 01Shareholder Returns
| ZIP | AU Consumer Finance | AU Market | |
|---|---|---|---|
| 7D | -10.8% | -3.3% | -1.9% |
| 1Y | -22.7% | -12.3% | 6.5% |
Return vs Industry: ZIP underperformed the Australian Consumer Finance industry which returned -12.3% over the past year.
Return vs Market: ZIP underperformed the Australian Market which returned 6.5% over the past year.
Price Volatility
| ZIP volatility | |
|---|---|
| ZIP Average Weekly Movement | 14.3% |
| Consumer Finance Industry Average Movement | 5.5% |
| Market Average Movement | 9.8% |
| 10% most volatile stocks in AU Market | 17.2% |
| 10% least volatile stocks in AU Market | 4.2% |
Stable Share Price: ZIP's share price has been volatile over the past 3 months compared to the Australian market.
Volatility Over Time: ZIP's weekly volatility (14%) has been stable over the past year, but is still higher than 75% of Australian stocks.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2009 | n/a | Cynthia Scott | zip.co/au |
Zip Co Limited engages in the provision of digital retail finance, personal finance, and payments solutions in Australia, New Zealand, and the United States. The company offers retail line of credit products and personal loans; retail installment products; and Buy Now Pay Later installment products to consumers. It also provides unsecured loans through banking partners, as well as online and in-store; and access to point-of-sale credit; and digital payment services.
Zip Co Limited Fundamentals Summary
| ZIP fundamental statistics | |
|---|---|
| Market cap | AU$1.88b |
| Earnings (TTM) | AU$109.24m |
| Revenue (TTM) | AU$1.22b |
Is ZIP overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| ZIP income statement (TTM) | |
|---|---|
| Revenue | AU$1.22b |
| Cost of Revenue | AU$0 |
| Gross Profit | AU$1.22b |
| Other Expenses | AU$1.11b |
| Earnings | AU$109.24m |
Last Reported Earnings
Dec 31, 2025
Next Earnings Date
Apr 17, 2026
| Earnings per share (EPS) | 0.086 |
| Gross Margin | 100.00% |
| Net Profit Margin | 8.95% |
| Debt/Equity Ratio | 380.7% |
How did ZIP perform over the long term?
See historical performance and comparisonCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/03/20 08:02 |
| End of Day Share Price | 2026/03/20 00:00 |
| Earnings | 2025/12/31 |
| Annual Earnings | 2025/06/30 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Zip Co Limited is covered by 20 analysts. 7 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Lafitani Sotiriou | Bell Potter |
| Ware Kuo | BofA Global Research |
| Siraj Ahmed | Citigroup Inc |