Zip Co has been growing earnings at an average annual rate of 51.5%, while the Consumer Finance industry saw earnings declining at 2.1% annually. Revenues have been growing at an average rate of 23.5% per year. Zip Co's return on equity is 16.4%, and it has net margins of 9%.
Key information
51.51%
Earnings growth rate
56.05%
EPS growth rate
Consumer Finance Industry Growth
7.20%
Revenue growth rate
23.46%
Return on equity
16.45%
Net Margin
8.95%
Next Earnings Update
20 Aug 2026
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How Zip Co makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
OTCPK:ZIZT.F Revenue, expenses and earnings (AUD Millions)
Date
Revenue
Earnings
G+A Expenses
R&D Expenses
31 Dec 25
1,220
109
608
0
30 Sep 25
1,146
95
579
0
30 Jun 25
1,072
80
550
0
31 Mar 25
1,012
18
522
0
31 Dec 24
952
-44
495
0
30 Sep 24
910
-19
454
0
30 Jun 24
868
6
414
0
31 Mar 24
819
-23
409
0
31 Dec 23
769
-52
404
0
30 Sep 23
723
-191
417
0
30 Jun 23
677
-330
430
0
31 Mar 23
656
-576
453
0
31 Dec 22
635
-821
476
0
30 Sep 22
616
-815
539
0
30 Jun 22
597
-808
602
0
31 Mar 22
563
-613
630
0
31 Dec 21
530
-417
657
0
30 Sep 21
462
-548
565
0
30 Jun 21
394
-678
472
0
31 Mar 21
322
-561
344
0
31 Dec 20
251
-443
216
0
30 Sep 20
205
-232
157
0
30 Jun 20
160
-20
97
0
31 Mar 20
139
-27
82
0
31 Dec 19
118
-35
66
0
30 Sep 19
100
-23
53
0
30 Jun 19
82
-11
39
0
31 Mar 19
70
-13
35
0
31 Dec 18
57
-15
31
0
30 Sep 18
48
-19
29
0
30 Jun 18
39
-23
28
0
31 Mar 18
32
-26
25
0
31 Dec 17
26
-29
23
0
30 Sep 17
21
-25
20
0
30 Jun 17
16
-20
17
0
31 Mar 17
12
-15
14
0
31 Dec 16
9
-10
11
0
30 Sep 16
6
-9
8
0
30 Jun 16
3
-9
5
0
31 Mar 16
2
-7
3
0
31 Dec 15
1
-5
2
0
30 Sep 15
1
-3
1
0
Quality Earnings: ZIZT.F has high quality earnings.
Growing Profit Margin: ZIZT.F became profitable in the past.
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: ZIZT.F has become profitable over the past 5 years, growing earnings by 51.5% per year.
Accelerating Growth: ZIZT.F has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.
Earnings vs Industry: ZIZT.F has become profitable in the last year, making it difficult to compare its past year earnings growth to the Consumer Finance industry (24.7%).
Return on Equity
High ROE: ZIZT.F's Return on Equity (16.4%) is considered low.
Return on Assets
Return on Capital Employed
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Company Analysis and Financial Data Status
Data
Last Updated (UTC time)
Company Analysis
2026/08/05 04:36
End of Day Share Price
2026/08/03 00:00
Earnings
2025/12/31
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.
* 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 21 analysts. 9 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.