Zip Co Limited provides digital retail finance and payments solutions to consumers, and small and medium sized merchants (SMEs) in Australia, the United Kingdom, the United States, New Zealand, Mexico, and Canada.
Zip Co Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||AU$6.51|
|52 Week High||AU$4.96|
|52 Week Low||AU$14.53|
|1 Month Change||-11.07%|
|3 Month Change||-20.90%|
|1 Year Change||9.78%|
|3 Year Change||463.64%|
|5 Year Change||740.00%|
|Change since IPO||2,184.21%|
Recent News & Updates
|Z1P||AU Consumer Finance||AU Market|
Return vs Industry: Z1P underperformed the Australian Consumer Finance industry which returned 17.5% over the past year.
Return vs Market: Z1P underperformed the Australian Market which returned 23.7% over the past year.
Stable Share Price: Z1P is not significantly more volatile than the rest of Australian stocks over the past 3 months, typically moving +/- 9% a week.
Volatility Over Time: Z1P's weekly volatility (9%) has been stable over the past year.
About the Company
Zip Co Limited provides digital retail finance and payments solutions to consumers, and small and medium sized merchants (SMEs) in Australia, the United Kingdom, the United States, New Zealand, Mexico, and Canada. The company operates through three segments: ZIP AU, Zip Global, and Zip Business. It offers credit and payment services to SMEs through online and in store.
Zip Co Fundamentals Summary
|Z1P fundamental statistics|
Is Z1P overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|Z1P income statement (TTM)|
|Cost of Revenue||AU$259.17m|
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
|Earnings per share (EPS)||-1.27|
|Net Profit Margin||-162.16%|
How did Z1P perform over the long term?See historical performance and comparison
Is Zip Co undervalued compared to its fair value and its price relative to the market?
Price to Book (PB) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate Z1P's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate Z1P's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: Z1P is unprofitable, so we can't compare its PE Ratio to the Australian Consumer Finance industry average.
PE vs Market: Z1P is unprofitable, so we can't compare its PE Ratio to the Australian market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate Z1P's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: Z1P is overvalued based on its PB Ratio (3.1x) compared to the AU Consumer Finance industry average (2x).
How is Zip Co forecast to perform in the next 1 to 3 years based on estimates from 10 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: Z1P is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (1.9%).
Earnings vs Market: Z1P is forecast to become profitable over the next 3 years, which is considered above average market growth.
High Growth Earnings: Z1P's is expected to become profitable in the next 3 years.
Revenue vs Market: Z1P's revenue (34.2% per year) is forecast to grow faster than the Australian market (5.6% per year).
High Growth Revenue: Z1P's revenue (34.2% per year) is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Z1P's Return on Equity is forecast to be low in 3 years time (4.1%).
How has Zip Co performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: Z1P is currently unprofitable.
Growing Profit Margin: Z1P is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: Z1P is unprofitable, and losses have increased over the past 5 years at a rate of 80.6% per year.
Accelerating Growth: Unable to compare Z1P's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: Z1P is unprofitable, making it difficult to compare its past year earnings growth to the Consumer Finance industry (171.9%).
Return on Equity
High ROE: Z1P has a negative Return on Equity (-55.9%), as it is currently unprofitable.
How is Zip Co's financial position?
Financial Position Analysis
Short Term Liabilities: Z1P's short term assets (A$2.4B) exceed its short term liabilities (A$80.4M).
Long Term Liabilities: Z1P's short term assets (A$2.4B) exceed its long term liabilities (A$2.1B).
Debt to Equity History and Analysis
Debt Level: Z1P's debt to equity ratio (182.2%) is considered high.
Reducing Debt: Z1P's debt to equity ratio has reduced from 270.7% to 182.2% over the past 5 years.
Cash Runway Analysis
For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.
Stable Cash Runway: Whilst unprofitable Z1P has sufficient cash runway for more than 3 years if it maintains its current positive free cash flow level.
Forecast Cash Runway: Z1P is unprofitable but has sufficient cash runway for more than 3 years, due to free cash flow being positive and growing by 44.2% per year.
What is Zip Co current dividend yield, its reliability and sustainability?
Forecast Dividend Yield
Dividend Yield vs Market
Notable Dividend: Unable to evaluate Z1P's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate Z1P's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if Z1P's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if Z1P's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of Z1P's dividend in 3 years as they are not forecast to pay a notable one for the Australian market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Mr. Larry Diamond serves as the Chief Executive Officer and Managing Director of Zip Co Limited (formerly known as zipMoney Limited). He co-founded Zip Co Limited. Mr. Diamond co-founded zipMoney in 2013 o...
CEO Compensation Analysis
Compensation vs Market: Larry's total compensation ($USD592.41K) is below average for companies of similar size in the Australian market ($USD1.83M).
Compensation vs Earnings: Larry's compensation has increased whilst the company is unprofitable.
Experienced Management: Z1P's management team is not considered experienced ( 2 years average tenure), which suggests a new team.
Experienced Board: Z1P's board of directors are considered experienced (4.2 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 10.4%.
Zip Co Limited's employee growth, exchange listings and data sources
- Name: Zip Co Limited
- Ticker: Z1P
- Exchange: ASX
- Founded: 2009
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: AU$3.660b
- Shares outstanding: 562.14m
- Website: https://zip.co
Number of Employees
- Zip Co Limited
- 10 Spring Street
- Level 14
- New South Wales
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/09/22 15:24|
|End of Day Share Price||2021/09/22 00:00|
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 here.