View ValuationZip Co 향후 성장Future 기준 점검 4/6Zip Co (는) 각각 연간 23.6% 및 15.4% 수익과 수익이 증가할 것으로 예상됩니다. EPS는 연간 23.8% 만큼 성장할 것으로 예상됩니다. 자기자본이익률은 3년 후 18.8% 로 예상됩니다.핵심 정보23.6%이익 성장률23.82%EPS 성장률Consumer Finance 이익 성장16.9%매출 성장률15.4%향후 자기자본이익률18.82%애널리스트 커버리지Good마지막 업데이트03 Jun 2026최근 향후 성장 업데이트Breakeven Date Change • Jun 30Forecast breakeven date pushed back to 2026The 6 analysts covering Zip Co previously expected the company to break even in 2024. New consensus forecast suggests losses will reduce by 80% per year to 2025. The company is expected to make a profit of AU$12.5m in 2026. Average annual earnings growth of 4.5% is required to achieve expected profit on schedule.Breakeven Date Change • Feb 29Forecast to breakeven in 2024The 7 analysts covering Zip Co expect the company to break even for the first time. New consensus forecast suggests the company will make a profit of AU$66.0m in 2024. Earnings growth of 16% is required to achieve expected profit on schedule.Breakeven Date Change • Aug 30No longer forecast to breakevenThe 7 analysts covering Zip Co no longer expect the company to break even during the foreseeable future. The company was expected to make a profit of AU$20.4m in 2026. New consensus forecast suggests the company will make a loss of AU$12.8m in 2026.Breakeven Date Change • Aug 20Forecast to breakeven in 2026The 7 analysts covering Zip Co expect the company to break even for the first time. New consensus forecast suggests the company will make a profit of AU$4.28m in 2026. Average annual earnings growth of 98% is required to achieve expected profit on schedule.Breakeven Date Change • Mar 01No longer forecast to breakevenThe 8 analysts covering Zip Co no longer expect the company to break even during the foreseeable future. The company was expected to make a profit of AU$15.7m in 2024. New consensus forecast suggests the company will make a loss of AU$45.1m in 2024.Breakeven Date Change • Dec 18No longer forecast to breakevenThe 9 analysts covering Zip Co no longer expect the company to break even during the foreseeable future. The company was expected to make a profit of AU$23.7m in 2024. New consensus forecast suggests the company will make a loss of AU$8.34m in 2024.모든 업데이트 보기Recent updatesValuation Update With 7 Day Price Move • Jun 15Investor sentiment improves as stock rises 23%After last week's 23% share price gain to €1.69, the stock trades at a forward P/E ratio of 25x. Average forward P/E is 9x in the Consumer Finance industry in Europe. Total returns to shareholders of 492% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €1.55 per share.공시 • Feb 20Zip Co Limited (ASX:ZIP) announces an Equity Buyback for 92,161,082 shares, representing 7.25% for AUD 50 million.Zip Co Limited (ASX:ZIP) announces a share repurchase program. Under the program, the company will repurchase up to 92,161,082 shares, representing 7.25% of issued share capital for AUD 50 million. The program will be valid till March 5, 2027. As of February 20, 2026, the company had 1,270,683,586 shares issued.공시 • Feb 19+ 1 more updateZip Co Limited to Report Fiscal Year 2026 Results on Aug 20, 2026Zip Co Limited announced that they will report fiscal year 2026 results on Aug 20, 2026공시 • Feb 18Zip Us Launches "In You We Trust," A Brand Platform That Puts Confidence Back in Customers' Financial DecisionsZip Co Limited announced the launch of its new brand platform, "In You We Trust", which articulates Zip's belief in customers' financial choices and guides how the company shows up through its products, policies, and partnerships. The platform launches with "You Trust Me?," a national campaign, developed in partnership with Majority Agency and Noble People, running from February through June 2026. The brand platform was born from real conversations with customers who have often been overlooked by traditional financial systems. In addition to the campaign, Zip's product team has made thoughtful evolutions to the app experience and introduced new payment constructs and features that deepen the trust experience beyond the campaign. The launch campaign recognizes customers as considered and capable financial decision-makers. The creative builds from everyday moments into playfully exaggerated scenarios where customers ask Zip "You Trust Me?" The response is always the same: Zip trusts you with money. The campaign highlights product constructs (from flexible payment dates to clear, upfront fees) designed to enable this trust and features one of Zip's customers, Destiny Modeste, in the campaign's Anthem video, grounding the platform in real customer experiences.공시 • Feb 06Zip US Expands Flexible Payment Options with Launch of Pay in 2Zip Co Limited announced the launch of Pay in 2, a new payment option that allows consumers to split a purchase into two installments paid over two weeks. Pay in 2 offers customers more control and flexibility to choose the payment plan that works best for them, making everyday purchases more manageable. While Zip's Pay in 4 offering has helped millions of customers manage larger purchases over six weeks, Pay in 2 is designed to help manage cash flow and everyday spending within a single billing cycle. The launch of Pay in 2 follows a recent pilot that highlighted strong demand for a shorter installment option designed for everyday spending. Notably, 95% of surveyed participants said they would use Pay in 2 again, with future use centered on everyday needs like groceries and bills. Zip is introducing a limited-time incentive for early adopters. From February 9 through February 15, the first 100 customers per day to successfully start a purchase using Pay in 2 will receive one year of no origination fees on every subsequent Pay in 2 order. Terms and conditions apply.공시 • Jan 12Zip Co Limited to Report First Half, 2026 Results on Feb 19, 2026Zip Co Limited announced that they will report first half, 2026 results on Feb 19, 2026공시 • Aug 22+ 1 more updateZip Co Limited, Annual General Meeting, Nov 06, 2025Zip Co Limited, Annual General Meeting, Nov 06, 2025.공시 • Jan 13+ 2 more updatesZip Co Limited to Report Q3, 2025 Results on Apr 16, 2025Zip Co Limited announced that they will report Q3, 2025 results on Apr 16, 2025공시 • Sep 02Zip Co Limited, Annual General Meeting, Nov 07, 2024Zip Co Limited, Annual General Meeting, Nov 07, 2024.New Risk • Sep 01New major risk - Financial positionThe company's interest payments are not well covered by earnings. Net interest cover: 2.6x This is considered a major risk. If the company is unable to fund interest repayments on its debt through profits, it may be forced into reducing its debt burden through selling assets, undertaking a potentially costly capital raising or even into bankruptcy in the worst case scenario. Currently, the following risks have been identified for the company: Major Risks Interest payments are not well covered by earnings (2.6x net interest cover). Share price has been highly volatile over the past 3 months (12% average weekly change). Shareholders have been substantially diluted in the past year (53% increase in shares outstanding).New Risk • Aug 28New major risk - Share price stabilityThe company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of German stocks, typically moving 12% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (12% average weekly change). Shareholders have been substantially diluted in the past year (53% increase in shares outstanding).공시 • Aug 14Zip Co Limited to Report Fiscal Year 2024 Results on Aug 27, 2024Zip Co Limited announced that they will report fiscal year 2024 results on Aug 27, 2024New Risk • Jul 28New major risk - Shareholder dilutionThe company's shareholders have been substantially diluted in the past year. Increase in shares outstanding: 55% This is considered a major risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Major Risk Shareholders have been substantially diluted in the past year (55% increase in shares outstanding). Minor Risk Share price has been volatile over the past 3 months (8.8% average weekly change).공시 • Jul 18+ 1 more updateZip Co Limited has filed a Follow-on Equity Offering in the amount of AUD 217 million.Zip Co Limited has filed a Follow-on Equity Offering in the amount of AUD 217 million. Security Name: Ordinary Shares Security Type: Common Stock Securities Offered: 142,763,158 Price\Range: AUD 1.52 Transaction Features: Subsequent Direct ListingBreakeven Date Change • Jun 30Forecast breakeven date pushed back to 2026The 6 analysts covering Zip Co previously expected the company to break even in 2024. New consensus forecast suggests losses will reduce by 80% per year to 2025. The company is expected to make a profit of AU$12.5m in 2026. Average annual earnings growth of 4.5% is required to achieve expected profit on schedule.Breakeven Date Change • Feb 29Forecast to breakeven in 2024The 7 analysts covering Zip Co expect the company to break even for the first time. New consensus forecast suggests the company will make a profit of AU$66.0m in 2024. Earnings growth of 16% is required to achieve expected profit on schedule.공시 • Jan 22Zip Co Limited to Report First Half, 2024 Results on Feb 27, 2024Zip Co Limited announced that they will report first half, 2024 results on Feb 27, 2024공시 • Sep 22Zip Co Limited Announces Resignation of David Franks as Joint Company SecretaryZip Co Limited announced that David Franks has resigned as Joint Company Secretary, on 21 September 2023. Tai Phan remains the Company Secretary for Zip.공시 • Sep 18Zip Co Limited Announces CFO ChangesZip Co Limited announced the appointment of Gordon Bell as Group Chief Financial Officer (CFO), following an orderly succession planning process. After almost seven years as CFO at Zip, Martin Brooke will step down from his role on 29 September 2023 and Mr. Bell will formally commence as Zip Group CFO on 2 October 2023, after an initial hand-over period with Mr. Brooke. Mr. Brooke will remain available to the company for a period of time to ensure a smooth transition. Mr. Bell is a highly credentialed financial executive with more than 25 years' experience in financial services, capital markets and senior funding and liquidity roles. He spent seven years at Westpac in roles including as the General Manager Group Finance, Chief Financial Officer of the Business Division and as a Managing Director in Group Treasury. Prior to this, he spent 10 years with the Barclays Group in various roles including Managing Director and Treasurer, Asia Pacific, and as the Chief Financial Officer Officer for Japan, Greater China and Australia. Gordon started his career at KPMG in the audit and advisory division, based in Sydney and London.공시 • Sep 01Zip Co Limited, Annual General Meeting, Nov 09, 2023Zip Co Limited, Annual General Meeting, Nov 09, 2023, at 10:00 AUS Eastern Standard Time.Breakeven Date Change • Aug 30No longer forecast to breakevenThe 7 analysts covering Zip Co no longer expect the company to break even during the foreseeable future. The company was expected to make a profit of AU$20.4m in 2026. New consensus forecast suggests the company will make a loss of AU$12.8m in 2026.New Risk • Aug 29New major risk - Financial positionThe company has less than a year of cash runway based on its current free cash flow trend. Free cash flow: -AU$375m This is considered a major risk. With less than a year's worth of cash, the company will need to raise capital or take on debt unless its cash flows improve. This would dilute existing shareholders or increase balance sheet risk. Currently, the following risks have been identified for the company: Major Risk Less than 1 year of cash runway based on free cash flow trend (-AU$375m free cash flow). Minor Risks Currently unprofitable and not forecast to become profitable over next 3 years (AU$30m net loss in 3 years). Share price has been volatile over the past 3 months (7.5% average weekly change). Shareholders have been diluted in the past year (19% increase in shares outstanding).공시 • Aug 24Zip Co Limited to Report Fiscal Year 2023 Results on Aug 29, 2023Zip Co Limited announced that they will report fiscal year 2023 results on Aug 29, 2023Breakeven Date Change • Aug 20Forecast to breakeven in 2026The 7 analysts covering Zip Co expect the company to break even for the first time. New consensus forecast suggests the company will make a profit of AU$4.28m in 2026. Average annual earnings growth of 98% is required to achieve expected profit on schedule.공시 • Aug 17Paramara acquired Twisto payments a.s. from Zip Co Limited (ASX:ZIP).Paramara signed an agreement to acquire Twisto payments a.s. from Zip Co Limited (ASX:ZIP) on March 30, 2023. Subject to closing conditions, including regulatory approval and along with previously announced actions to wind down its operations in the Middle East.Paramara completed the acquisition of Twisto payments a.s. from Zip Co Limited (ASX:ZIP) on August 17, 2023. Royal Park Partners acted as financial and strategic advisor to Twisto payments and Zip Co Limited. Odin Financial Advisors, Inc. acted as financial and strategic advisor to Paramara and its shareholders.공시 • Jul 18Zip Co Limited Appoints Andy Stearns as Senior Vice President and Head of Merchant BusinessZip Co Limited appointed veteran payments and financial services industry leader Andy Stearns as Senior Vice President and Head of Merchant Business, starting immediately, for the U.S. market. In his new role, Stearns will focus on accelerating the growth of Zip’s merchant network and driving product innovation to assist retail merchants in effectively capitalizing on Zip's mission and commitment to creating a financially fearless world, attracting customers who value flexible payment options, and promoting financial well-being among all. Before joining Zip, Stearns spearheaded all customer management groups within Capital One's Business Cards & Payments organization. His influence extended to small, mid-sized, and large companies throughout the United States. Prior, Stearns led the go-to-market efforts of Capital One’s Commercial Card business as a founding member of the team, leading the growth of sales, customer management, sales strategy and analytics as well as marketing and product strategy since the inception of the business, playing a pivotal role in propelling Capital One's Commercial Card business toward rapid growth. During his tenure at American Express, Stearns served as director of small business relationship management and global corporate payments business development. Andy earned a bachelor's degree from Cornell University. Stearns is deeply committed to social justice, education, and poverty alleviation, as evidenced by his dedicated volunteer work with organizations such as World Vision, Harbor House Ministries, and Commonwealth Catholic Charities. Through his involvement, he has actively contributed to creating positive change in communities at home and around the world empowering individuals in need.Board Change • Nov 17Less than half of directors are independentFollowing the recent departure of a director, there are only 2 independent directors on the board. The company's board is composed of: 2 independent directors. 3 non-independent directors. Independent Non-Executive Director Meredith Scott was the last independent director to join the board, commencing their role in 2022. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.Reported Earnings • Oct 02Full year 2022 earnings released: AU$1.81 loss per share (vs AU$1.32 loss in FY 2021)Full year 2022 results: AU$1.81 loss per share (further deteriorated from AU$1.32 loss in FY 2021). Revenue: AU$620.0m (up 57% from FY 2021). Net loss: AU$1.11b (loss widened 63% from FY 2021). Revenue is forecast to grow 16% p.a. on average during the next 3 years, compared to a 8.6% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 31 percentage points per year, which is a significant difference in performance.Reported Earnings • Aug 26Full year 2022 earnings released: AU$1.81 loss per share (vs AU$1.28 loss in FY 2021)Full year 2022 results: AU$1.81 loss per share (down from AU$1.28 loss in FY 2021). Revenue: AU$620.0m (up 56% from FY 2021). Net loss: AU$1.11b (loss widened 68% from FY 2021). Over the next year, revenue is forecast to grow 19%, compared to a 21% growth forecast for the Consumer Finance industry in Germany. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 46 percentage points per year, which is a significant difference in performance.Board Change • Apr 27Less than half of directors are independentFollowing the recent departure of a director, there are only 2 independent directors on the board. The company's board is composed of: 2 independent directors. 3 non-independent directors. Independent Non-Executive Director Pippa Downes was the last independent director to join the board, commencing their role in 2020. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.Recent Insider Transactions • Mar 09Co-Founder recently bought €675k worth of stockOn the 7th of March, Larry Diamond bought around 583k shares on-market at roughly €1.16 per share. This was the largest purchase by an insider in the last 3 months. This was Larry's only on-market trade for the last 12 months.Reported Earnings • Mar 02First half 2022 earnings: EPS in line with analyst expectations despite revenue beatFirst half 2022 results: AU$0.38 loss per share (up from AU$0.95 loss in 1H 2021). Revenue: AU$301.3m (up 89% from 1H 2021). Net loss: AU$214.3m (loss narrowed 53% from 1H 2021). Revenue exceeded analyst estimates by 3.9%. Over the next year, revenue is forecast to grow 50%, compared to a 87% growth forecast for the industry in Germany. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 98 percentage points per year, which is a significant difference in performance.Breakeven Date Change • Mar 01No longer forecast to breakevenThe 8 analysts covering Zip Co no longer expect the company to break even during the foreseeable future. The company was expected to make a profit of AU$15.7m in 2024. New consensus forecast suggests the company will make a loss of AU$45.1m in 2024.Breakeven Date Change • Dec 18No longer forecast to breakevenThe 9 analysts covering Zip Co no longer expect the company to break even during the foreseeable future. The company was expected to make a profit of AU$23.7m in 2024. New consensus forecast suggests the company will make a loss of AU$8.34m in 2024.Reported Earnings • Oct 01Full year 2021 earnings released: AU$1.28 loss per share (vs AU$0.053 loss in FY 2020)The company reported a decent full year result with improved revenues, although losses increased and control over costs was weaker. Full year 2021 results: Revenue: AU$397.1m (up 148% from FY 2020). Net loss: AU$658.8m (loss widened AU$638.8m from FY 2020). Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 196 percentage points per year, which is a significant difference in performance.Breakeven Date Change • Sep 23Forecast to breakeven in 2024The 10 analysts covering Zip Co expect the company to break even for the first time. New consensus forecast suggests the company will make a profit of AU$14.7m in 2024. Average annual earnings growth of 94% is required to achieve expected profit on schedule.Breakeven Date Change • Aug 26Forecast to breakeven in 2023The 7 analysts covering Zip Co expect the company to break even for the first time. New consensus forecast suggests the company will make a profit of AU$422.4k in 2023. Average annual earnings growth of 111% is required to achieve expected profit on schedule.Reported Earnings • Aug 26Full year 2021 earnings released: AU$1.27 loss per share (vs AU$0.053 loss in FY 2020)The company reported a decent full year result with improved revenues, although losses increased and control over costs was weaker. Full year 2021 results: Revenue: AU$402.7m (up 157% from FY 2020). Net loss: AU$653.1m (loss widened AU$633.2m from FY 2020). Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 199 percentage points per year, which is a significant difference in performance.Breakeven Date Change • Jul 26Forecast breakeven pushed back to 2024The 10 analysts covering Zip Co previously expected the company to break even in 2023. New consensus forecast suggests the company will make a profit of AU$60.0m in 2024. Average annual earnings growth of 79% is required to achieve expected profit on schedule.Breakeven Date Change • Jul 23Forecast breakeven pushed back to 2024The 10 analysts covering Zip Co previously expected the company to break even in 2023. New consensus forecast suggests the company will make a profit of AU$60.0m in 2024. Average annual earnings growth of 79% is required to achieve expected profit on schedule.Executive Departure • Mar 02Independent Non-Executive Director has left the companyOn the 2nd of March, Philip Crutchfield's tenure as Independent Non-Executive Director ended after 5.2 years in the role. As of December 2020, Philip personally held 3.80m shares (€12m worth at the time). A total of 2 executives have left over the last 12 months.Reported Earnings • Feb 27First half 2021 earnings released: AU$0.95 loss per share (vs AU$0.084 loss in 1H 2020)The company reported a decent first half result with improved revenues, although losses increased and control over costs was weaker. First half 2021 results: Revenue: AU$159.8m (up 131% from 1H 2020). Net loss: AU$453.8m (loss widened AU$423.4m from 1H 2020). Over the last 3 years on average, earnings per share has fallen by 96% per year but the company’s share price has increased by 123% per year, which means it is well ahead of earnings.Is New 90 Day High Low • Feb 06New 90-day high: €5.65The company is up 54% from its price of €3.66 on 06 November 2020. The German market is up 15% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Consumer Finance industry, which is up 31% over the same period.Is New 90 Day High Low • Jan 21New 90-day high: €4.00The company is up 1.0% from its price of €3.98 on 23 October 2020. The German market is up 12% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Consumer Finance industry, which is up 25% over the same period.Is New 90 Day High Low • Dec 08New 90-day low: €3.14The company is down 25% from its price of €4.16 on 09 September 2020. The German market is up 3.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Consumer Finance industry, which is up 7.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is per share.Is New 90 Day High Low • Nov 02New 90-day low: €3.32The company is down 14% from its price of €3.86 on 04 August 2020. The German market is down 6.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Consumer Finance industry, which is up 2.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is per share.Reported Earnings • Oct 01Full year earnings released - €0.053 loss per shareOver the last 12 months the company has reported total losses of AU$19.9m, with losses widening by 77% from the prior year. Total revenue was AU$157.0m over the last 12 months, up 91% from the prior year.이익 및 매출 성장 예측DB:YRRA - 애널리스트 향후 추정치 및 과거 재무 데이터 (AUD Millions)날짜매출이익자유현금흐름영업현금흐름평균 애널리스트 수6/30/20281,856218102-28176/30/20271,595171122-22386/30/20261,3401181680812/31/20251,220109-29-9N/A9/30/20251,14695-49-30N/A6/30/20251,07280-69-50N/A3/31/20251,0121884103N/A12/31/2024952-44237255N/A9/30/2024910-19246264N/A6/30/20248686255273N/A3/31/2024819-23174194N/A12/31/2023769-5293115N/A9/30/2023723-191-79-55N/A6/30/2023677-330-250-225N/A3/31/2023656-576-312-287N/A12/31/2022635-821-375-349N/A9/30/2022616-815-578-551N/A6/30/2022597-808-782-752N/A3/31/2022563-613-1,169-1,142N/A12/31/2021530-417-1,555-1,531N/A9/30/2021462-548-1,228-1,210N/A6/30/2021394-678-901-888N/A3/31/2021322-561-447-432N/A12/31/2020251-443724N/A9/30/2020205-232119N/A6/30/2020160-20-515N/A3/31/2020139-27217N/A12/31/2019118-35919N/A9/30/2019100-23N/A21N/A6/30/201982-11N/A23N/A3/31/201970-13N/A17N/A12/31/201857-15N/A12N/A9/30/201848-19N/A7N/A6/30/201839-23N/A1N/A3/31/201832-26N/A-4N/A12/31/201726-29N/A-10N/A9/30/201721-25N/A-9N/A6/30/201716-20N/A-8N/A3/31/201712-15N/A-5N/A12/31/20169-10N/A-2N/A9/30/20166-9N/A-2N/A6/30/20163-9N/A-2N/A3/31/20162-7N/A-1N/A12/31/20151-5N/A-1N/A9/30/20151-3N/A0N/A6/30/201500N/A0N/A더 보기애널리스트 향후 성장 전망수입 대 저축률: YRRA 의 연간 예상 수익 증가율(23.6%)이 saving rate(1.9%)보다 높습니다.수익 vs 시장: YRRA 의 연간 수익(23.6%)이 German 시장(16.8%)보다 빠르게 성장할 것으로 예상됩니다.고성장 수익: YRRA 의 수입은 향후 3년 동안 상당히 증가할 것으로 예상됩니다.수익 대 시장: YRRA 의 수익(연간 15.4%)이 German 시장(연간 6.5%)보다 빠르게 성장할 것으로 예상됩니다.고성장 매출: YRRA 의 수익(연간 15.4%)은 연간 20%보다 느리게 증가할 것으로 예상됩니다.주당순이익 성장 예측향후 자기자본이익률미래 ROE: YRRA의 자본 수익률은 3년 후 18.8%로 낮을 것으로 예상됩니다.성장 기업 찾아보기7D1Y7D1Y7D1YDiversified-financials 산업의 고성장 기업.View Past Performance기업 분석 및 재무 데이터 상태데이터최종 업데이트 (UTC 시간)기업 분석2026/06/28 06:10종가2026/06/26 00:00수익2025/12/31연간 수익2025/06/30데이터 소스당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.패키지데이터기간미국 소스 예시 *기업 재무제표10년손익계산서현금흐름표대차대조표SEC 양식 10-KSEC 양식 10-Q분석가 컨센서스 추정치+3년재무 예측분석가 목표주가분석가 리서치 보고서Blue Matrix시장 가격30년주가배당, 분할 및 기타 조치ICE 시장 데이터SEC 양식 S-1지분 구조10년주요 주주내부자 거래SEC 양식 4SEC 양식 13D경영진10년리더십 팀이사회SEC 양식 10-KSEC 양식 DEF 14A주요 개발10년회사 공시SEC 양식 8-K* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.분석 모델 및 스노우플레이크이 보고서를 생성하는 데 사용된 분석 모델에 대한 세부 정보는 당사의 Github 페이지에서 확인하실 수 있으며, 보고서 활용 방법에 대한 가이드와 YouTube 튜토리얼도 제공하고 있습니다.Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.산업 및 섹터 지표산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.분석가 소스Zip Co Limited는 20명의 분석가가 다루고 있습니다. 이 중 8명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.분석가기관Lafitani SotiriouBell PotterWare KuoBofA Global ResearchSiraj AhmedCitigroup Inc17명의 분석가 더 보기
Breakeven Date Change • Jun 30Forecast breakeven date pushed back to 2026The 6 analysts covering Zip Co previously expected the company to break even in 2024. New consensus forecast suggests losses will reduce by 80% per year to 2025. The company is expected to make a profit of AU$12.5m in 2026. Average annual earnings growth of 4.5% is required to achieve expected profit on schedule.
Breakeven Date Change • Feb 29Forecast to breakeven in 2024The 7 analysts covering Zip Co expect the company to break even for the first time. New consensus forecast suggests the company will make a profit of AU$66.0m in 2024. Earnings growth of 16% is required to achieve expected profit on schedule.
Breakeven Date Change • Aug 30No longer forecast to breakevenThe 7 analysts covering Zip Co no longer expect the company to break even during the foreseeable future. The company was expected to make a profit of AU$20.4m in 2026. New consensus forecast suggests the company will make a loss of AU$12.8m in 2026.
Breakeven Date Change • Aug 20Forecast to breakeven in 2026The 7 analysts covering Zip Co expect the company to break even for the first time. New consensus forecast suggests the company will make a profit of AU$4.28m in 2026. Average annual earnings growth of 98% is required to achieve expected profit on schedule.
Breakeven Date Change • Mar 01No longer forecast to breakevenThe 8 analysts covering Zip Co no longer expect the company to break even during the foreseeable future. The company was expected to make a profit of AU$15.7m in 2024. New consensus forecast suggests the company will make a loss of AU$45.1m in 2024.
Breakeven Date Change • Dec 18No longer forecast to breakevenThe 9 analysts covering Zip Co no longer expect the company to break even during the foreseeable future. The company was expected to make a profit of AU$23.7m in 2024. New consensus forecast suggests the company will make a loss of AU$8.34m in 2024.
Valuation Update With 7 Day Price Move • Jun 15Investor sentiment improves as stock rises 23%After last week's 23% share price gain to €1.69, the stock trades at a forward P/E ratio of 25x. Average forward P/E is 9x in the Consumer Finance industry in Europe. Total returns to shareholders of 492% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €1.55 per share.
공시 • Feb 20Zip Co Limited (ASX:ZIP) announces an Equity Buyback for 92,161,082 shares, representing 7.25% for AUD 50 million.Zip Co Limited (ASX:ZIP) announces a share repurchase program. Under the program, the company will repurchase up to 92,161,082 shares, representing 7.25% of issued share capital for AUD 50 million. The program will be valid till March 5, 2027. As of February 20, 2026, the company had 1,270,683,586 shares issued.
공시 • Feb 19+ 1 more updateZip Co Limited to Report Fiscal Year 2026 Results on Aug 20, 2026Zip Co Limited announced that they will report fiscal year 2026 results on Aug 20, 2026
공시 • Feb 18Zip Us Launches "In You We Trust," A Brand Platform That Puts Confidence Back in Customers' Financial DecisionsZip Co Limited announced the launch of its new brand platform, "In You We Trust", which articulates Zip's belief in customers' financial choices and guides how the company shows up through its products, policies, and partnerships. The platform launches with "You Trust Me?," a national campaign, developed in partnership with Majority Agency and Noble People, running from February through June 2026. The brand platform was born from real conversations with customers who have often been overlooked by traditional financial systems. In addition to the campaign, Zip's product team has made thoughtful evolutions to the app experience and introduced new payment constructs and features that deepen the trust experience beyond the campaign. The launch campaign recognizes customers as considered and capable financial decision-makers. The creative builds from everyday moments into playfully exaggerated scenarios where customers ask Zip "You Trust Me?" The response is always the same: Zip trusts you with money. The campaign highlights product constructs (from flexible payment dates to clear, upfront fees) designed to enable this trust and features one of Zip's customers, Destiny Modeste, in the campaign's Anthem video, grounding the platform in real customer experiences.
공시 • Feb 06Zip US Expands Flexible Payment Options with Launch of Pay in 2Zip Co Limited announced the launch of Pay in 2, a new payment option that allows consumers to split a purchase into two installments paid over two weeks. Pay in 2 offers customers more control and flexibility to choose the payment plan that works best for them, making everyday purchases more manageable. While Zip's Pay in 4 offering has helped millions of customers manage larger purchases over six weeks, Pay in 2 is designed to help manage cash flow and everyday spending within a single billing cycle. The launch of Pay in 2 follows a recent pilot that highlighted strong demand for a shorter installment option designed for everyday spending. Notably, 95% of surveyed participants said they would use Pay in 2 again, with future use centered on everyday needs like groceries and bills. Zip is introducing a limited-time incentive for early adopters. From February 9 through February 15, the first 100 customers per day to successfully start a purchase using Pay in 2 will receive one year of no origination fees on every subsequent Pay in 2 order. Terms and conditions apply.
공시 • Jan 12Zip Co Limited to Report First Half, 2026 Results on Feb 19, 2026Zip Co Limited announced that they will report first half, 2026 results on Feb 19, 2026
공시 • Aug 22+ 1 more updateZip Co Limited, Annual General Meeting, Nov 06, 2025Zip Co Limited, Annual General Meeting, Nov 06, 2025.
공시 • Jan 13+ 2 more updatesZip Co Limited to Report Q3, 2025 Results on Apr 16, 2025Zip Co Limited announced that they will report Q3, 2025 results on Apr 16, 2025
공시 • Sep 02Zip Co Limited, Annual General Meeting, Nov 07, 2024Zip Co Limited, Annual General Meeting, Nov 07, 2024.
New Risk • Sep 01New major risk - Financial positionThe company's interest payments are not well covered by earnings. Net interest cover: 2.6x This is considered a major risk. If the company is unable to fund interest repayments on its debt through profits, it may be forced into reducing its debt burden through selling assets, undertaking a potentially costly capital raising or even into bankruptcy in the worst case scenario. Currently, the following risks have been identified for the company: Major Risks Interest payments are not well covered by earnings (2.6x net interest cover). Share price has been highly volatile over the past 3 months (12% average weekly change). Shareholders have been substantially diluted in the past year (53% increase in shares outstanding).
New Risk • Aug 28New major risk - Share price stabilityThe company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of German stocks, typically moving 12% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (12% average weekly change). Shareholders have been substantially diluted in the past year (53% increase in shares outstanding).
공시 • Aug 14Zip Co Limited to Report Fiscal Year 2024 Results on Aug 27, 2024Zip Co Limited announced that they will report fiscal year 2024 results on Aug 27, 2024
New Risk • Jul 28New major risk - Shareholder dilutionThe company's shareholders have been substantially diluted in the past year. Increase in shares outstanding: 55% This is considered a major risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Major Risk Shareholders have been substantially diluted in the past year (55% increase in shares outstanding). Minor Risk Share price has been volatile over the past 3 months (8.8% average weekly change).
공시 • Jul 18+ 1 more updateZip Co Limited has filed a Follow-on Equity Offering in the amount of AUD 217 million.Zip Co Limited has filed a Follow-on Equity Offering in the amount of AUD 217 million. Security Name: Ordinary Shares Security Type: Common Stock Securities Offered: 142,763,158 Price\Range: AUD 1.52 Transaction Features: Subsequent Direct Listing
Breakeven Date Change • Jun 30Forecast breakeven date pushed back to 2026The 6 analysts covering Zip Co previously expected the company to break even in 2024. New consensus forecast suggests losses will reduce by 80% per year to 2025. The company is expected to make a profit of AU$12.5m in 2026. Average annual earnings growth of 4.5% is required to achieve expected profit on schedule.
Breakeven Date Change • Feb 29Forecast to breakeven in 2024The 7 analysts covering Zip Co expect the company to break even for the first time. New consensus forecast suggests the company will make a profit of AU$66.0m in 2024. Earnings growth of 16% is required to achieve expected profit on schedule.
공시 • Jan 22Zip Co Limited to Report First Half, 2024 Results on Feb 27, 2024Zip Co Limited announced that they will report first half, 2024 results on Feb 27, 2024
공시 • Sep 22Zip Co Limited Announces Resignation of David Franks as Joint Company SecretaryZip Co Limited announced that David Franks has resigned as Joint Company Secretary, on 21 September 2023. Tai Phan remains the Company Secretary for Zip.
공시 • Sep 18Zip Co Limited Announces CFO ChangesZip Co Limited announced the appointment of Gordon Bell as Group Chief Financial Officer (CFO), following an orderly succession planning process. After almost seven years as CFO at Zip, Martin Brooke will step down from his role on 29 September 2023 and Mr. Bell will formally commence as Zip Group CFO on 2 October 2023, after an initial hand-over period with Mr. Brooke. Mr. Brooke will remain available to the company for a period of time to ensure a smooth transition. Mr. Bell is a highly credentialed financial executive with more than 25 years' experience in financial services, capital markets and senior funding and liquidity roles. He spent seven years at Westpac in roles including as the General Manager Group Finance, Chief Financial Officer of the Business Division and as a Managing Director in Group Treasury. Prior to this, he spent 10 years with the Barclays Group in various roles including Managing Director and Treasurer, Asia Pacific, and as the Chief Financial Officer Officer for Japan, Greater China and Australia. Gordon started his career at KPMG in the audit and advisory division, based in Sydney and London.
공시 • Sep 01Zip Co Limited, Annual General Meeting, Nov 09, 2023Zip Co Limited, Annual General Meeting, Nov 09, 2023, at 10:00 AUS Eastern Standard Time.
Breakeven Date Change • Aug 30No longer forecast to breakevenThe 7 analysts covering Zip Co no longer expect the company to break even during the foreseeable future. The company was expected to make a profit of AU$20.4m in 2026. New consensus forecast suggests the company will make a loss of AU$12.8m in 2026.
New Risk • Aug 29New major risk - Financial positionThe company has less than a year of cash runway based on its current free cash flow trend. Free cash flow: -AU$375m This is considered a major risk. With less than a year's worth of cash, the company will need to raise capital or take on debt unless its cash flows improve. This would dilute existing shareholders or increase balance sheet risk. Currently, the following risks have been identified for the company: Major Risk Less than 1 year of cash runway based on free cash flow trend (-AU$375m free cash flow). Minor Risks Currently unprofitable and not forecast to become profitable over next 3 years (AU$30m net loss in 3 years). Share price has been volatile over the past 3 months (7.5% average weekly change). Shareholders have been diluted in the past year (19% increase in shares outstanding).
공시 • Aug 24Zip Co Limited to Report Fiscal Year 2023 Results on Aug 29, 2023Zip Co Limited announced that they will report fiscal year 2023 results on Aug 29, 2023
Breakeven Date Change • Aug 20Forecast to breakeven in 2026The 7 analysts covering Zip Co expect the company to break even for the first time. New consensus forecast suggests the company will make a profit of AU$4.28m in 2026. Average annual earnings growth of 98% is required to achieve expected profit on schedule.
공시 • Aug 17Paramara acquired Twisto payments a.s. from Zip Co Limited (ASX:ZIP).Paramara signed an agreement to acquire Twisto payments a.s. from Zip Co Limited (ASX:ZIP) on March 30, 2023. Subject to closing conditions, including regulatory approval and along with previously announced actions to wind down its operations in the Middle East.Paramara completed the acquisition of Twisto payments a.s. from Zip Co Limited (ASX:ZIP) on August 17, 2023. Royal Park Partners acted as financial and strategic advisor to Twisto payments and Zip Co Limited. Odin Financial Advisors, Inc. acted as financial and strategic advisor to Paramara and its shareholders.
공시 • Jul 18Zip Co Limited Appoints Andy Stearns as Senior Vice President and Head of Merchant BusinessZip Co Limited appointed veteran payments and financial services industry leader Andy Stearns as Senior Vice President and Head of Merchant Business, starting immediately, for the U.S. market. In his new role, Stearns will focus on accelerating the growth of Zip’s merchant network and driving product innovation to assist retail merchants in effectively capitalizing on Zip's mission and commitment to creating a financially fearless world, attracting customers who value flexible payment options, and promoting financial well-being among all. Before joining Zip, Stearns spearheaded all customer management groups within Capital One's Business Cards & Payments organization. His influence extended to small, mid-sized, and large companies throughout the United States. Prior, Stearns led the go-to-market efforts of Capital One’s Commercial Card business as a founding member of the team, leading the growth of sales, customer management, sales strategy and analytics as well as marketing and product strategy since the inception of the business, playing a pivotal role in propelling Capital One's Commercial Card business toward rapid growth. During his tenure at American Express, Stearns served as director of small business relationship management and global corporate payments business development. Andy earned a bachelor's degree from Cornell University. Stearns is deeply committed to social justice, education, and poverty alleviation, as evidenced by his dedicated volunteer work with organizations such as World Vision, Harbor House Ministries, and Commonwealth Catholic Charities. Through his involvement, he has actively contributed to creating positive change in communities at home and around the world empowering individuals in need.
Board Change • Nov 17Less than half of directors are independentFollowing the recent departure of a director, there are only 2 independent directors on the board. The company's board is composed of: 2 independent directors. 3 non-independent directors. Independent Non-Executive Director Meredith Scott was the last independent director to join the board, commencing their role in 2022. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.
Reported Earnings • Oct 02Full year 2022 earnings released: AU$1.81 loss per share (vs AU$1.32 loss in FY 2021)Full year 2022 results: AU$1.81 loss per share (further deteriorated from AU$1.32 loss in FY 2021). Revenue: AU$620.0m (up 57% from FY 2021). Net loss: AU$1.11b (loss widened 63% from FY 2021). Revenue is forecast to grow 16% p.a. on average during the next 3 years, compared to a 8.6% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 31 percentage points per year, which is a significant difference in performance.
Reported Earnings • Aug 26Full year 2022 earnings released: AU$1.81 loss per share (vs AU$1.28 loss in FY 2021)Full year 2022 results: AU$1.81 loss per share (down from AU$1.28 loss in FY 2021). Revenue: AU$620.0m (up 56% from FY 2021). Net loss: AU$1.11b (loss widened 68% from FY 2021). Over the next year, revenue is forecast to grow 19%, compared to a 21% growth forecast for the Consumer Finance industry in Germany. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 46 percentage points per year, which is a significant difference in performance.
Board Change • Apr 27Less than half of directors are independentFollowing the recent departure of a director, there are only 2 independent directors on the board. The company's board is composed of: 2 independent directors. 3 non-independent directors. Independent Non-Executive Director Pippa Downes was the last independent director to join the board, commencing their role in 2020. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.
Recent Insider Transactions • Mar 09Co-Founder recently bought €675k worth of stockOn the 7th of March, Larry Diamond bought around 583k shares on-market at roughly €1.16 per share. This was the largest purchase by an insider in the last 3 months. This was Larry's only on-market trade for the last 12 months.
Reported Earnings • Mar 02First half 2022 earnings: EPS in line with analyst expectations despite revenue beatFirst half 2022 results: AU$0.38 loss per share (up from AU$0.95 loss in 1H 2021). Revenue: AU$301.3m (up 89% from 1H 2021). Net loss: AU$214.3m (loss narrowed 53% from 1H 2021). Revenue exceeded analyst estimates by 3.9%. Over the next year, revenue is forecast to grow 50%, compared to a 87% growth forecast for the industry in Germany. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 98 percentage points per year, which is a significant difference in performance.
Breakeven Date Change • Mar 01No longer forecast to breakevenThe 8 analysts covering Zip Co no longer expect the company to break even during the foreseeable future. The company was expected to make a profit of AU$15.7m in 2024. New consensus forecast suggests the company will make a loss of AU$45.1m in 2024.
Breakeven Date Change • Dec 18No longer forecast to breakevenThe 9 analysts covering Zip Co no longer expect the company to break even during the foreseeable future. The company was expected to make a profit of AU$23.7m in 2024. New consensus forecast suggests the company will make a loss of AU$8.34m in 2024.
Reported Earnings • Oct 01Full year 2021 earnings released: AU$1.28 loss per share (vs AU$0.053 loss in FY 2020)The company reported a decent full year result with improved revenues, although losses increased and control over costs was weaker. Full year 2021 results: Revenue: AU$397.1m (up 148% from FY 2020). Net loss: AU$658.8m (loss widened AU$638.8m from FY 2020). Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 196 percentage points per year, which is a significant difference in performance.
Breakeven Date Change • Sep 23Forecast to breakeven in 2024The 10 analysts covering Zip Co expect the company to break even for the first time. New consensus forecast suggests the company will make a profit of AU$14.7m in 2024. Average annual earnings growth of 94% is required to achieve expected profit on schedule.
Breakeven Date Change • Aug 26Forecast to breakeven in 2023The 7 analysts covering Zip Co expect the company to break even for the first time. New consensus forecast suggests the company will make a profit of AU$422.4k in 2023. Average annual earnings growth of 111% is required to achieve expected profit on schedule.
Reported Earnings • Aug 26Full year 2021 earnings released: AU$1.27 loss per share (vs AU$0.053 loss in FY 2020)The company reported a decent full year result with improved revenues, although losses increased and control over costs was weaker. Full year 2021 results: Revenue: AU$402.7m (up 157% from FY 2020). Net loss: AU$653.1m (loss widened AU$633.2m from FY 2020). Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 199 percentage points per year, which is a significant difference in performance.
Breakeven Date Change • Jul 26Forecast breakeven pushed back to 2024The 10 analysts covering Zip Co previously expected the company to break even in 2023. New consensus forecast suggests the company will make a profit of AU$60.0m in 2024. Average annual earnings growth of 79% is required to achieve expected profit on schedule.
Breakeven Date Change • Jul 23Forecast breakeven pushed back to 2024The 10 analysts covering Zip Co previously expected the company to break even in 2023. New consensus forecast suggests the company will make a profit of AU$60.0m in 2024. Average annual earnings growth of 79% is required to achieve expected profit on schedule.
Executive Departure • Mar 02Independent Non-Executive Director has left the companyOn the 2nd of March, Philip Crutchfield's tenure as Independent Non-Executive Director ended after 5.2 years in the role. As of December 2020, Philip personally held 3.80m shares (€12m worth at the time). A total of 2 executives have left over the last 12 months.
Reported Earnings • Feb 27First half 2021 earnings released: AU$0.95 loss per share (vs AU$0.084 loss in 1H 2020)The company reported a decent first half result with improved revenues, although losses increased and control over costs was weaker. First half 2021 results: Revenue: AU$159.8m (up 131% from 1H 2020). Net loss: AU$453.8m (loss widened AU$423.4m from 1H 2020). Over the last 3 years on average, earnings per share has fallen by 96% per year but the company’s share price has increased by 123% per year, which means it is well ahead of earnings.
Is New 90 Day High Low • Feb 06New 90-day high: €5.65The company is up 54% from its price of €3.66 on 06 November 2020. The German market is up 15% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Consumer Finance industry, which is up 31% over the same period.
Is New 90 Day High Low • Jan 21New 90-day high: €4.00The company is up 1.0% from its price of €3.98 on 23 October 2020. The German market is up 12% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Consumer Finance industry, which is up 25% over the same period.
Is New 90 Day High Low • Dec 08New 90-day low: €3.14The company is down 25% from its price of €4.16 on 09 September 2020. The German market is up 3.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Consumer Finance industry, which is up 7.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is per share.
Is New 90 Day High Low • Nov 02New 90-day low: €3.32The company is down 14% from its price of €3.86 on 04 August 2020. The German market is down 6.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Consumer Finance industry, which is up 2.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is per share.
Reported Earnings • Oct 01Full year earnings released - €0.053 loss per shareOver the last 12 months the company has reported total losses of AU$19.9m, with losses widening by 77% from the prior year. Total revenue was AU$157.0m over the last 12 months, up 91% from the prior year.