Zip Co (ZIP) Aperçu de l'action
Zip Co Limited propose des solutions de financement numérique pour le commerce de détail, de crédit à la consommation et de paiement en Australie et aux États-Unis. Plus de détails
| Score flocon de neige | |
|---|---|
| Évaluation | 2/6 |
| Croissance future | 5/6 |
| Performances passées | 3/6 |
| Santé financière | 2/6 |
| Dividendes | 0/6 |
Récompenses
Analyse des risques
ZIP Community Fair Values
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Analyst Price Targets
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AU$2.55
FV
0% surévalué décote intrinsèque20.79%
Revenue growth p.a.
153
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Zip Co Limited Concurrents
Historique des prix et performances
| Historique des cours de bourse | |
|---|---|
| Prix actuel de l'action | AU$2.55 |
| Plus haut sur 52 semaines | AU$4.93 |
| Plus bas sur 52 semaines | AU$1.38 |
| Bêta | 3.28 |
| Variation sur 1 mois | -19.05% |
| Variation sur 3 mois | 5.81% |
| Variation sur 1 an | -21.54% |
| Variation sur 3 ans | 479.55% |
| Variation sur 5 ans | -66.88% |
| Évolution depuis l'introduction en bourse | 794.74% |
Nouvelles et mises à jour récentes
Mise à jour du récit • Jul 31
ZIP: Margin Expansion And Brand Resolution Will Support Future Upside
Analysts have lifted the Zip Co price target from A$4.00 to A$4.70, reflecting updated views on its margin potential and the economics of its buy now pay later model. Analyst Commentary Recent research on Zip Co highlights a mix of enthusiasm about its role in the buy now pay later space and caution around execution risks and the path to sustainable margins.
Mise à jour du récit • Jul 17
ZIP: BNPL Scale And Low Marginal Costs Will Support Future Margin Expansion
Analysts have increased their fair value estimate for Zip Co to A$5.39 from A$5.15, reflecting expectations for slightly stronger long term margins and a higher future P/E multiple as the company expands within the BNPL segment with relatively low marginal costs. Analyst Commentary Recent coverage of Zip Co highlights how some bullish analysts frame the company within the broader buy now pay later space, with attention on its ability to scale while keeping marginal costs relatively low.Mise à jour du récit • Jul 03
ZIP: Balance Sheet Progress And Brand Resolution Will Support Future Upside
Analysts have trimmed their fair value estimate for Zip Co from A$4.07 to A$3.72, citing updated assumptions around growth, profitability, discount rates and future P/E that align with recent shifts in price targets across the sector. Analyst Commentary Recent commentary around Zip Co focuses on how balance sheet moves and valuation assumptions might affect execution risk, growth expectations and the stock’s fair value, even as analysts refine their models.Mise à jour du récit • Jun 19
ZIP: AI Commerce Expansion Will Drive Future Margin Upside For Shares
Analysts have trimmed their fair value estimate for Zip Co shares slightly to A$5.15 from A$5.17, citing updated assumptions around discount rates, revenue growth, profit margins and future P/E multiples informed by recent Street research. What’s in the News for Zip Co Zip US expands its partnership with Stripe, supporting Stripe’s Shared Payment Tokens to bring Zip’s flexible payment options into AI powered commerce and agent driven checkout experiences.Recent updates
Mise à jour du récit • Jul 31
ZIP: Margin Expansion And Brand Resolution Will Support Future Upside
Analysts have lifted the Zip Co price target from A$4.00 to A$4.70, reflecting updated views on its margin potential and the economics of its buy now pay later model. Analyst Commentary Recent research on Zip Co highlights a mix of enthusiasm about its role in the buy now pay later space and caution around execution risks and the path to sustainable margins.Mise à jour du récit • Jul 17
ZIP: BNPL Scale And Low Marginal Costs Will Support Future Margin Expansion
Analysts have increased their fair value estimate for Zip Co to A$5.39 from A$5.15, reflecting expectations for slightly stronger long term margins and a higher future P/E multiple as the company expands within the BNPL segment with relatively low marginal costs. Analyst Commentary Recent coverage of Zip Co highlights how some bullish analysts frame the company within the broader buy now pay later space, with attention on its ability to scale while keeping marginal costs relatively low.Mise à jour du récit • Jul 03
ZIP: Balance Sheet Progress And Brand Resolution Will Support Future Upside
Analysts have trimmed their fair value estimate for Zip Co from A$4.07 to A$3.72, citing updated assumptions around growth, profitability, discount rates and future P/E that align with recent shifts in price targets across the sector. Analyst Commentary Recent commentary around Zip Co focuses on how balance sheet moves and valuation assumptions might affect execution risk, growth expectations and the stock’s fair value, even as analysts refine their models.Mise à jour du récit • Jun 19
ZIP: AI Commerce Expansion Will Drive Future Margin Upside For Shares
Analysts have trimmed their fair value estimate for Zip Co shares slightly to A$5.15 from A$5.17, citing updated assumptions around discount rates, revenue growth, profit margins and future P/E multiples informed by recent Street research. What’s in the News for Zip Co Zip US expands its partnership with Stripe, supporting Stripe’s Shared Payment Tokens to bring Zip’s flexible payment options into AI powered commerce and agent driven checkout experiences.Article d’analyse • Jun 16
Zip Co (ASX:ZIP) Shares Could Be 12.9% Overvalued After Stripe AI Checkout Update
Zip Co (ASX:ZIP) is back in focus after announcing that Zip US will support Stripe’s Shared Payment Tokens, linking its flexible payment options with emerging AI powered checkout and agent driven shopping experiences. See our latest analysis for Zip Co. The Stripe announcement comes after a strong run in the Zip Co share price, with a 7 day share price return of 14.29%, a 30 day return of 22.03% and an 84.62% 90 day return. Over the same period, the year to date share price return is down...
Mise à jour du récit • Jun 04
ZIP: Brand Reset And Margin Guidance Will Shape A Bullish Forward Outlook
Analysts have nudged their Zip Co price target higher to A$2.60, citing slightly firmer assumptions for revenue growth and profit margins, a modestly lower discount rate, and a small adjustment to future P/E expectations. What's in the News High Court of Australia ruling requires Zip Co and relevant subsidiaries to stop using the "Zip" trade mark in Australia for its products and services within 28 days of the judgment, with no impact on the US or New Zealand businesses.Mise à jour du récit • May 20
ZIP: Margin Expansion And Share Buyback Are Expected To Drive Upside
Analysts have trimmed their A$ price target for Zip Co slightly, reflecting a modestly lower fair value and growth outlook, along with expectations for stronger profit margins and a reduced assumed discount rate. Analyst Commentary Bullish analysts looking at Zip Co generally point to operational execution and potential for improved profitability as the main supports for their fair value work, even where headline price targets on other companies in the broader "Zip" universe have moved around.Mise à jour du récit • May 02
ZIP: AI And Revenue Visibility Will Shape A Balanced Forward Outlook
Analysts have adjusted their view on Zip Co, keeping the A$ fair value unchanged at A$2.60. Updated assumptions for the discount rate, revenue growth, profit margin and a lower future P/E reflect recent Street research highlighting mixed growth signals, as well as changing expectations around AI driven opportunities and near term revenue trends.Mise à jour du récit • Apr 17
ZIP: AI Execution Risk Will Shape A More Optimistic Forward Outlook
Analysts have trimmed their Zip Co price target to A$3.00 from A$5.50, pointing to tempered revenue expectations alongside steady profitability assumptions and valuation multiples. They also highlight AI driven product features, enterprise adoption and performance based revenue as key long term supports for the business.Mise à jour du récit • Apr 03
ZIP: Higher Required Returns Will Support A More Optimistic Forward Outlook
Narrative Update on Zip Co Price Target Analysts have reduced the A$3.74 fair value estimate for Zip Co to A$2.60. This reflects updated assumptions that apply a higher discount rate and a lower future P/E multiple, despite broadly similar expectations for revenue growth and profit margins.Mise à jour du récit • Mar 20
ZIP: Higher Fair Value Reflects Confidence In Margin Expansion And Buyback Plan
Analysts have adjusted the fair value estimate for Zip Co to A$5.25 from A$4.31, reflecting updated views on discount rates, revenue growth, profit margins and future P/E assumptions in light of recent Street research commentary. Analyst Commentary Recent Street commentary on ZipRecruiter, while focused on a different company, offers context for how analysts are thinking about platform scale, technology adoption and revenue visibility that can inform views on Zip Co. Bullish analysts are paying particular attention to earnings delivery versus guidance, the role of AI in driving user engagement and the link between execution on these themes and longer term valuation support.
Nouveau récit • Mar 12
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.Mise à jour du récit • Mar 05
ZIP: Trust-Led Platform And Buyback Plan Will Support Future Upside
Narrative Update Analysts have trimmed their fair value estimate for Zip Co to about A$4.07 from A$5.05, reflecting updated assumptions for slightly softer revenue growth and profit margins, a higher discount rate, and a lower future P/E multiple. This is in line with recent Street price target cuts to A$3.00 from A$5.50 and A$5.00.Mise à jour du récit • Feb 19
ZIP: Trust-Led Brand Platform And Stable Metrics Will Support Upside
Analysts have revised their price target for Zip Co to A$5.05, citing updated assumptions around discount rates, growth and future P/E. Their fair value estimate remains broadly unchanged.Mise à jour du récit • Feb 05
ZIP: Steady Fair Value And Higher P/E Assumption Will Support Upside
Analysts have kept Zip Co's fair value estimate steady at A$5.05 per share while nudging the long term discount rate slightly higher and the future P/E assumption to 35.05x. This reflects updated views on risk and earnings multiples without changing the headline price target.Mise à jour du récit • Jan 22
ZIP: Slightly Updated Assumptions Will Support Further Share Upside
Analysts have trimmed their fair value estimate for Zip Co slightly, from A$5.10 to A$5.05. This reflects updated assumptions for revenue growth, profit margins and future P/E that leave the overall outlook broadly similar to prior views.Mise à jour du récit • Jan 08
ZIP: Expanded Stripe Partnership Will Support A More Optimistic Future Outlook
Analysts have increased their fair value estimate for Zip Co from A$2.27 to A$3.74, reflecting updated views on revenue growth, profit margins and a higher assumed future P/E multiple. What's in the News Zip Co announced an expanded partnership with Stripe that makes Zip available through Stripe's optimized checkout interfaces, including Elements, Checkout and Payment Links, for US merchants (Client Announcements).Mise à jour du récit • Dec 19
ZIP: Expanded US Payment Reach Will Drive Further Share Upside
Analysts have slightly reduced their price target on Zip Co to around $5.10 per share, reflecting marginally lower discount rate and valuation multiple assumptions while keeping long term growth and profitability expectations effectively unchanged. What's in the News Expanded US reach as Zip becomes available through Stripe’s optimized checkout interfaces, including Elements, Checkout, and Payment Links, via a no code activation from the Stripe Dashboard (Client Announcements) New Stripe integration enables merchants to offer Zip’s pay in installments option while still receiving full payment upfront, with Zip managing customer repayments and associated risk (Client Announcements) Partnership with Opportunity Knocks launches a national casting call where selected participants, including one Zip customer, can receive up to $20,000 in targeted financial support and coaching (Client Announcements) Zip customers and viewers gain access to Opportunity Knocks’ free digital tools, including the Opportunity Coach for personalized financial guidance and the Opportunity Finder, which connects users to over 17,000 local services (Client Announcements) Valuation Changes Fair Value: unchanged at approximately A$5.10 per share, indicating stable long term valuation assumptions.Mise à jour du récit • Dec 05
ZIP: Expanded Payment Partnerships Will Support Further Upside For Shares
Analysts have modestly lifted their price target on Zip Co, citing a slightly higher discount rate and steady expectations for revenue growth, profit margins, and future valuation multiples that together support a fair value estimate of approximately $5.10 per share. What's in the News Expanded US partnership with Stripe enables Zip as a pay in installments option across Stripe Elements, Checkout, and Payment Links, with no code required for merchants and full upfront payment while Zip manages customer repayments (company announcement) Stripe integration gives merchants access to a broader base of high intent shoppers who may be underserved by traditional financial services, aiming to lift conversion and average order values while reducing cart abandonment (company announcement) New collaboration with Opportunity Knocks launches a national casting call where selected participants, including one Zip customer, can receive up to $20,000 in targeted support to accelerate their path to financial stability (company announcement) Opportunity Knocks partnership extends Zip's financial wellness focus by directing customers and viewers to free digital tools like the Opportunity Coach and Opportunity Finder, connecting them to over 17,000 local support services (company announcement) Valuation Changes Fair Value Estimate remains unchanged at approximately A$5.10 per share, indicating no material reassessment of intrinsic value.Mise à jour du récit • Nov 21
ZIP: Expanded Platform Partnerships Will Drive Further Upside For Shares
Analysts have maintained their price target for Zip Co. at $5.10 per share, citing marginal adjustments to key valuation inputs along with a steady outlook based on current growth and profitability trends. What's in the News Zip Co has expanded its partnership with Stripe, making Zip’s pay in installments option available through Stripe’s checkout solutions for US merchants (Client Announcements).Mise à jour du récit • Nov 05
ZIP: Future Share Buybacks And New Partnerships Will Drive Further Gains
Analysts have lowered their price target for Zip Co. from $5.33 to $5.10, citing expectations of slightly reduced profit margins due to a marginally improved revenue growth outlook. What's in the News Zip Co has launched an expanded partnership with Stripe, enabling US merchants to offer Zip's pay in installments feature through Stripe's checkout tools with a simple, no-code setup (Client Announcement).Mise à jour du récit • Oct 22
Analysts Raise Zip Co Target as Valuation Climbs on Buyback and Google Pay Expansion
Analysts have raised their price target for Zip Co. from $5.00 to $5.33. This revision reflects slightly improved revenue growth, profit margin expectations, and future earnings multiples.Mise à jour du récit • Oct 08
Digital Payments And ECommerce Trends Will Expand International Markets
Zip Co Analyst Price Target Raised to $5.00 on Upgraded Profitability Outlook Analysts have increased their fair value estimate for Zip Co from $4.58 to $5.00. The revision is based on stronger expected revenue growth and improved profit margins in their updated projections.Mise à jour du récit • Sep 23
Digital Payments And ECommerce Trends Will Expand International Markets
The consensus analyst price target for Zip Co has edged higher to A$4.58, primarily reflecting a small uplift in the company’s future P/E multiple. What's in the News Completed buyback of 14.8 million shares (1.13% of shares) for AUD 29.8 million.Mise à jour du récit • Aug 25
Company To Leverage Stripe Partnership And New Products For Future Success
The upward revision in Zip Co's price target is underpinned by a notable improvement in net profit margin despite a moderation in revenue growth expectations, resulting in a new consensus analyst price target of A$4.31. What's in the News Completed repurchase of 14.8 million shares (1.13%) for AUD 29.8 million under buyback program.Article d’analyse • Aug 22
There's Reason For Concern Over Zip Co Limited's (ASX:ZIP) Massive 25% Price Jump
Zip Co Limited ( ASX:ZIP ) shares have continued their recent momentum with a 25% gain in the last month alone. The...
Nouveau récit • Feb 17
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.Article d’analyse • Sep 01
What Zip Co Limited's (ASX:ZIP) 27% Share Price Gain Is Not Telling You
Zip Co Limited ( ASX:ZIP ) shares have continued their recent momentum with a 27% gain in the last month alone. This...Rendement pour les actionnaires
| ZIP | AU Consumer Finance | AU Marché | |
|---|---|---|---|
| 7D | 1.2% | 1.1% | 2.0% |
| 1Y | -21.5% | -16.3% | 2.4% |
Rendement vs Industrie: ZIP a sous-performé le secteur Australian Consumer Finance qui a rapporté -16.3 % au cours de l'année écoulée.
Rendement vs marché: ZIP a sous-performé le marché Australian qui a rapporté 2.4 % au cours de l'année écoulée.
Volatilité des prix
| ZIP volatility | |
|---|---|
| ZIP Average Weekly Movement | 8.5% |
| Consumer Finance Industry Average Movement | 5.7% |
| Market Average Movement | 9.6% |
| 10% most volatile stocks in AU Market | 17.0% |
| 10% least volatile stocks in AU Market | 3.9% |
Cours de l'action stable: ZIP n'a pas connu de volatilité de prix significative au cours des 3 derniers mois par rapport au marché Australian.
Volatilité au fil du temps: La volatilité hebdomadaire de ZIP ( 8% ) est restée stable au cours de l'année écoulée.
À propos de l'entreprise
| Fondée | Salariés | PDG | Site web |
|---|---|---|---|
| 2009 | n/a | Cynthia Scott | zip.co/au |
Zip Co Limited propose des solutions de financement numérique pour le commerce de détail, de crédit à la consommation et de paiement en Australie et aux États-Unis. La société propose aux consommateurs des produits de crédit à la consommation et des prêts personnels, des produits de crédit à tempérament destinés au grand public, ainsi que des produits de paiement différé de type « Achetez maintenant, payez plus tard ». Elle propose également des prêts non garantis par l'intermédiaire de partenaires bancaires, en ligne et en magasin, ainsi que l'accès au crédit au point de vente et à des services de paiement numériques. Anciennement connue sous le nom de ZipMoney Limited, la société a changé de nom pour devenir Zip Co Limited en décembre 2017.
Zip Co Limited Résumé des fondamentaux
| ZIP statistiques fondamentales | |
|---|---|
| Capitalisation boursière | AU$3.18b |
| Bénéfices(TTM) | AU$109.24m |
| Recettes(TTM) | AU$1.22b |
29.1x
Ratio P/E2.6x
Ratio P/SLe site ZIP est-il surévalué ?
Voir Juste valeur et analyse de l'évaluationBénéfices et recettes
| ZIP compte de résultat (TTM) | |
|---|---|
| Recettes | AU$1.22b |
| Coût des recettes | AU$0 |
| Marge brute | AU$1.22b |
| Autres dépenses | AU$1.11b |
| Les revenus | AU$109.24m |
Derniers bénéfices déclarés
Dec 31, 2025
Prochaine date de publication des résultats
Aug 20, 2026
| Résultat par action (EPS) | 0.088 |
| Marge brute | 100.00% |
| Marge bénéficiaire nette | 8.95% |
| Ratio dettes/capitaux propres | 380.7% |
Quelles ont été les performances à long terme de ZIP?
Voir les performances historiques et les comparaisonsAnalyse de l'entreprise et données financières
| Données | Dernière mise à jour (heure UTC) |
|---|---|
| Analyse de l'entreprise | 2026/07/31 10:19 |
| Cours de l'action en fin de journée | 2026/07/31 00:00 |
| Les revenus | 2025/12/31 |
| Revenus annuels | 2025/06/30 |
Sources de données
Les données utilisées dans notre analyse de l'entreprise proviennent de S&P Global Market Intelligence LLC. Les données suivantes sont utilisées dans notre modèle d'analyse pour générer ce rapport. Les données sont normalisées, ce qui peut entraîner un délai avant que la source ne soit disponible.
| Paquet | Données | Cadre temporel | Exemple de source américaine * |
|---|---|---|---|
| Finances de l'entreprise | 10 ans |
| |
| Estimations consensuelles des analystes | +3 ans |
|
|
| Prix du marché | 30 ans |
| |
| Propriété | 10 ans |
| |
| Gestion | 10 ans |
| |
| Principaux développements | 10 ans |
|
* Exemple pour les titres américains ; pour les titres non américains, des formulaires réglementaires et des sources équivalentes sont utilisés.
Sauf indication contraire, toutes les données financières sont basées sur une période annuelle mais mises à jour trimestriellement. C'est ce qu'on appelle les données des douze derniers mois (TTM) ou des douze derniers mois (LTM). En savoir plus.
Modèle d'analyse et flocon de neige
Les détails du modèle d’analyse utilisé pour générer ce rapport sont disponibles sur notre page Github ; nous proposons également des guides sur la façon d’utiliser nos rapports et des tutoriels sur YouTube.
Découvrez l'équipe de classe mondiale qui a conçu et construit le modèle d'analyse Simply Wall St.
Indicateurs de l'industrie et du secteur
Nos indicateurs de secteur et de section sont calculés toutes les 6 heures par Simply Wall St. Les détails de notre processus sont disponibles sur Github.
Sources des analystes
Zip Co Limited est couverte par 21 analystes. 9 de ces analystes ont soumis les estimations de revenus ou de bénéfices utilisées comme données d'entrée dans notre rapport. Les soumissions des analystes sont mises à jour tout au long de la journée.
| Analyste | Institution |
|---|---|
| Lafitani Sotiriou | Bell Potter |
| Ware Kuo | BofA Global Research |
| Harold Goetsch | B. Riley Securities, Inc. |