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 | 0/6 |
| Future Growth | 5/6 |
| Past Performance | 5/6 |
| Financial Health | 3/6 |
| Dividends | 0/6 |
ZIP Community Fair Values
Create NarrativeSee what 92 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$4.80 |
| 52 Week High | AU$4.80 |
| 52 Week Low | AU$1.09 |
| Beta | 2.85 |
| 1 Month Change | 15.94% |
| 3 Month Change | 57.38% |
| 1 Year Change | 88.24% |
| 3 Year Change | 605.88% |
| 5 Year Change | -36.51% |
| Change since IPO | 1,584.21% |
Recent News & Updates
Recent updates
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 01Do Insiders Own Lots Of Shares In Zip Co Limited (ASX:Z1P)?
Mar 17Zip Co Limited's (ASX:Z1P) Path To Profitability
Feb 08
Shareholder Returns
| ZIP | AU Consumer Finance | AU Market | |
|---|---|---|---|
| 7D | 10.3% | 6.2% | 2.3% |
| 1Y | 88.2% | 42.2% | 10.1% |
Return vs Industry: ZIP exceeded the Australian Consumer Finance industry which returned 42.2% over the past year.
Return vs Market: ZIP exceeded the Australian Market which returned 10.1% over the past year.
Price Volatility
| ZIP volatility | |
|---|---|
| ZIP Average Weekly Movement | 7.9% |
| Consumer Finance Industry Average Movement | 5.6% |
| Market Average Movement | 9.3% |
| 10% most volatile stocks in AU Market | 19.7% |
| 10% least volatile stocks in AU Market | 3.4% |
Stable Share Price: ZIP has not had significant price volatility in the past 3 months compared to the Australian market.
Volatility Over Time: ZIP's weekly volatility (8%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2009 | 985 | 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$6.20b |
| Earnings (TTM) | AU$79.90m |
| Revenue (TTM) | AU$1.07b |
Is ZIP overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| ZIP income statement (TTM) | |
|---|---|
| Revenue | AU$1.07b |
| Cost of Revenue | AU$0 |
| Gross Profit | AU$1.07b |
| Other Expenses | AU$991.70m |
| Earnings | AU$79.90m |
Last Reported Earnings
Jun 30, 2025
Next Earnings Date
Oct 19, 2025
| Earnings per share (EPS) | 0.062 |
| Gross Margin | 100.00% |
| Net Profit Margin | 7.46% |
| Debt/Equity Ratio | 339.8% |
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 | 2025/10/03 17:43 |
| End of Day Share Price | 2025/10/03 00:00 |
| Earnings | 2025/06/30 |
| 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 14 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 |