ZIP Stock Overview

Engages in the provision of digital retail finance and payments solutions to consumers, and small and medium sized merchants (SMEs) in Australia, New Zealand, Canada, and the United States. More details

ZIP fundamental analysis
Snowflake Score
Valuation	1/6
Future Growth	3/6
Past Performance	3/6
Financial Health	3/6
Dividends	0/6

Rewards

Earnings are forecast to grow 56.19% per year

Became profitable this year

Risk Analysis

Interest payments are not well covered by earnings

Shareholders have been diluted in the past year

Significant insider selling over the past 3 months

My Notes

Capture your thoughts, links and company narrative

Zip Co Limited Competitors

Credit Corp Group

ASX:CCP

AU$1.1b

FleetPartners Group

ASX:FPR

AU$676.9m

Latitude Group Holdings

ASX:LFS

AU$1.2b

Solvar

ASX:SVR

AU$316.6m

Price History & Performance

Summary of share price highs, lows and changes for Zip Co
Historical stock prices
Current Share Price	AU$2.83
52 Week High	AU$3.56
52 Week Low	AU$0.47
Beta	3.34
1 Month Change	-11.01%
3 Month Change	5.99%
1 Year Change	400.89%
3 Year Change	-35.54%
5 Year Change	-23.51%
Change since IPO	892.98%

Recent updates

Shareholder Returns

	ZIP	AU Consumer Finance	AU Market
7D	-1.0%	-1.6%	-2.0%
1Y	400.9%	72.0%	7.8%

Return vs Industry: ZIP exceeded the Australian Consumer Finance industry which returned 72% over the past year.

Return vs Market: ZIP exceeded the Australian Market which returned 7.8% over the past year.

Price Volatility

Is ZIP's price volatile compared to industry and market?
ZIP volatility
ZIP Average Weekly Movement	7.8%
Consumer Finance Industry Average Movement	6.0%
Market Average Movement	8.0%
10% most volatile stocks in AU Market	16.8%
10% least volatile stocks in AU Market	3.1%

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 and payments solutions to consumers, and small and medium sized merchants (SMEs) in Australia, New Zealand, Canada, and the United States. The company offers Buy Now Pay Later services, which offer line of credit and installment products to consumers through online and in-store. It also provides unsecured loans and lines of credit to SMEs; and access to point-of-sale credit; and digital payment services.

Zip Co Limited Fundamentals Summary

How do Zip Co's earnings and revenue compare to its market cap?
ZIP fundamental statistics
Market cap	AU$3.71b
Earnings (TTM)	AU$5.66m
Revenue (TTM)	AU$867.98m

653.0x

P/E Ratio

4.3x

P/S Ratio

Is ZIP overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
ZIP income statement (TTM)
Revenue	AU$867.98m
Cost of Revenue	AU$0
Gross Profit	AU$867.98m
Other Expenses	AU$862.32m
Earnings	AU$5.66m

Last Reported Earnings

Jun 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	0.0043
Gross Margin	100.00%
Net Profit Margin	0.65%
Debt/Equity Ratio	603.0%

How did ZIP perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/20 07:49
End of Day Share Price	2024/12/20 00:00
Earnings	2024/06/30
Annual Earnings	2024/06/30

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	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* 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 here.

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 .

Analyst Sources

Zip Co Limited is covered by 12 analysts. 6 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

ZIP Stock Overview

Rewards

Risk Analysis

Zip Co Limited Competitors

ASX:CCP

AU$1.1b

ASX:FPR

AU$676.9m

ASX:LFS

AU$1.2b

ASX:SVR

AU$316.6m

Price History & Performance

Recent News & Updates

Consensus EPS estimates fall by 46%, revenue upgraded

High number of new and inexperienced directors

Consensus EPS estimates increase by 12%

Consensus EPS estimates fall by 28%, revenue upgraded

Now 23% overvalued after recent price rise

Zip Co Limited, Annual General Meeting, Nov 07, 2024

Recent updates

Consensus EPS estimates fall by 46%, revenue upgraded

High number of new and inexperienced directors

Consensus EPS estimates increase by 12%

Consensus EPS estimates fall by 28%, revenue upgraded

Now 23% overvalued after recent price rise

Zip Co Limited, Annual General Meeting, Nov 07, 2024

What Zip Co Limited's (ASX:ZIP) 27% Share Price Gain Is Not Telling You

New major risk - Financial position

Zip Co Limited to Report Fiscal Year 2024 Results on Aug 27, 2024

New major risk - Shareholder dilution

Zip Co Limited has filed a Follow-on Equity Offering in the amount of AUD 217 million.

Price target increased by 10% to AU$1.28

Forecast breakeven date pushed back to 2026

Price target increased by 9.9% to AU$1.17

Forecast to breakeven in 2024

Price target increased by 13% to AU$0.68

Consensus EPS estimates upgraded to AU$0.081 loss

Zip Co Limited to Report First Half, 2024 Results on Feb 27, 2024

Price target increased by 13% to AU$0.48

New minor risk - Share price stability

Consensus estimates of losses per share improve by 11%

Zip Co Limited Announces Resignation of David Franks as Joint Company Secretary

Zip Co Limited Announces CFO Changes

Zip Co Limited, Annual General Meeting, Nov 09, 2023

Price target decreased by 8.2% to AU$0.61

Forecast to breakeven in 2026

Zip Co Limited to Report Fiscal Year 2023 Results on Aug 29, 2023

Forecast to breakeven in 2026

Paramara acquired Twisto payments a.s. from Zip Co Limited (ASX:ZIP).

Zip Co Limited Appoints Andy Stearns as Senior Vice President and Head of Merchant Business

Price target decreased by 13% to AU$0.71

Consensus EPS estimates fall by 10%

Consensus EPS estimates fall by 10%

Consensus EPS estimates fall by 37%

Less than half of directors are independent

Consensus forecasts updated

Full year 2022 earnings: EPS misses analyst expectations

Zip Co Limited, Annual General Meeting, Nov 03, 2022

Full year 2022 earnings: EPS misses analyst expectations

Zip Co Limited Appoints Meredith Scott as Non-Executive Director

Zip Co Limited to Report Fiscal Year 2022 Results on Aug 25, 2022

Price target decreased to AU$1.23

Price target decreased to AU$1.53

Price target decreased to AU$1.69

Less than half of directors are independent

Zip Co Limited to Report Q3, 2022 Results on Apr 21, 2022

Co-Founder recently bought AU$1.0m worth of stock

Zip Co Limited has completed a Follow-on Equity Offering in the amount of AUD 148.741764 million.

First half 2022 earnings: Revenues exceed analysts expectations while EPS lags behind

No longer forecast to breakeven

Consensus forecasts updated

Equity Raising Reportedly Looming for Zip

Price target decreased to AU$5.21

Zip Co in Talks over A Potential Takeover of Sezzle

Price target decreased to AU$6.33

Price target decreased to AU$7.18

Price target decreased to AU$7.67

Full year 2021 earnings released: AU$1.28 loss per share (vs AU$0.053 loss in FY 2020)

Zip Co Limited (ASX:Z1P) agreed to acquire Payflex.