Zip Co Limited

OTCPK:ZIZT.F Stock Report

Market Cap: US$1.4b

Zip Co Valuation

Is ZIZT.F undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

0/6

Valuation Score 0/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Sales vs Peers

  • Price-To-Sales vs Industry

  • Price-To-Sales vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of ZIZT.F when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Discounted Cash Flow
Simply Wall St
US$0.79
Fair Value
45.4% overvalued intrinsic discount
8
Number of Analysts

Below Fair Value: ZIZT.F ($1.15) is trading above our estimate of fair value ($0.79)

Significantly Below Fair Value: ZIZT.F is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for ZIZT.F?

Key metric: As ZIZT.F is unprofitable we use its Price-To-Sales Ratio for relative valuation analysis.

The above table shows the Price to Sales ratio for ZIZT.F. This is calculated by dividing ZIZT.F's market cap by their current revenue.
What is ZIZT.F's PS Ratio?
PS Ratio2.4x
SalesAU$951.74m
Market CapAU$2.26b

Price to Sales Ratio vs Peers

How does ZIZT.F's PS Ratio compare to its peers?

The above table shows the PS ratio for ZIZT.F vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PSEstimated GrowthMarket Cap
Peer Average1.6x
LX LexinFintech Holdings
0.7x5.9%US$1.3b
DAVE Dave
3.6x15.2%US$1.3b
FINV FinVolution Group
1.1x10.1%US$2.0b
LC LendingClub
0.9x2.2%US$1.2b
ZIZT.F Zip Co
2.4x16.5%US$2.3b

Price-To-Sales vs Peers: ZIZT.F is expensive based on its Price-To-Sales Ratio (2.4x) compared to the peer average (1.6x).

Price to Sales Ratio vs Industry

How does ZIZT.F's PS Ratio compare vs other companies in the US Consumer Finance Industry?

6 CompaniesPrice / SalesEstimated GrowthMarket Cap
OPRT Oportun Financial
0.2x14.1%US$185.73m
ELVT Elevate Credit
0.1x1.0%US$58.83m
KPLT Katapult Holdings
0.1x14.2%US$31.36m
AIJT.Y Jianpu Technology
0.2xn/aUS$26.83m
ZIZT.F 2.4xIndustry Avg. 1.5xNo. of Companies10PS012345+
6 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Sales vs Industry: ZIZT.F is expensive based on its Price-To-Sales Ratio (2.4x) compared to the US Consumer Finance industry average (1.5x).

Price to Sales Ratio vs Fair Ratio

What is ZIZT.F's PS Ratio compared to its Fair PS Ratio? This is the expected PS Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

ZIZT.F PS Ratio vs Fair Ratio.
Fair Ratio
Current PS Ratio2.4x
Fair PS Ration/a

Price-To-Sales vs Fair Ratio: Insufficient data to calculate ZIZT.F's Price-To-Sales Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst ZIZT.F forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$1.15
US$2.13
+85.1%
17.7%US$2.75US$1.41n/a8
Apr ’26US$1.05
US$2.23
+113.0%
11.2%US$2.71US$1.90n/a8
Mar ’26US$1.63
US$2.22
+36.6%
11.2%US$2.70US$1.89n/a8
Feb ’26US$1.51
US$2.14
+42.4%
12.8%US$2.61US$1.68n/a8
Jan ’26US$1.80
US$2.11
+17.3%
31.7%US$2.50US$0.26n/a9
Dec ’25US$2.28
US$2.11
-7.5%
31.7%US$2.50US$0.26n/a9
Nov ’25US$1.98
US$1.99
+0.4%
38.1%US$2.50US$0.26n/a9
Oct ’25US$1.88
US$1.37
-26.9%
34.3%US$1.93US$0.27n/a9
Sep ’25US$1.57
US$1.37
-12.5%
34.3%US$1.93US$0.27n/a9
Aug ’25n/a
US$1.11
0%
29.5%US$1.31US$0.27n/a9
Jul ’25US$0.92
US$0.79
-14.7%
29.1%US$1.00US$0.26n/a8
Jun ’25US$0.77
US$0.79
+2.3%
29.1%US$1.00US$0.26n/a8
May ’25US$0.81
US$0.79
-2.8%
29.1%US$1.00US$0.26US$1.158
Apr ’25US$0.87
US$0.69
-20.5%
31.1%US$0.93US$0.26US$1.058
Mar ’25US$0.62
US$0.44
-28.7%
36.5%US$0.71US$0.24US$1.638
Feb ’25US$0.48
US$0.40
-17.2%
40.1%US$0.62US$0.24US$1.517
Jan ’25US$0.46
US$0.29
-37.8%
12.5%US$0.34US$0.24US$1.807
Dec ’24US$0.29
US$0.27
-5.0%
10.9%US$0.32US$0.23US$2.287
Nov ’24US$0.21
US$0.28
+34.2%
10.9%US$0.32US$0.23US$1.989
Oct ’24US$0.19
US$0.29
+52.9%
11.5%US$0.33US$0.23US$1.888
Sep ’24US$0.23
US$0.40
+71.9%
73.7%US$1.21US$0.23US$1.579
Aug ’24n/a
US$0.45
0%
62.8%US$1.26US$0.30n/a10
Jul ’24US$0.23
US$0.45
+95.1%
61.3%US$1.25US$0.29US$0.9210
Jun ’24US$0.37
US$0.54
+45.0%
66.2%US$1.34US$0.30US$0.7711
May ’24US$0.34
US$0.55
+59.8%
66.1%US$1.35US$0.30US$0.8111
AnalystConsensusTarget
Consensus Narrative from 8 Analysts
US$2.21
Fair Value
48.1% undervalued intrinsic discount
8
Number of Analysts

Analyst Forecast: Target price is more than 20% higher than the current share price, but analysts are not within a statistically confident range of agreement.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/04/30 11:25
End of Day Share Price 2025/04/30 00:00
Earnings2024/12/31
Annual Earnings2024/06/30

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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 13 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.

AnalystInstitution
Lafitani SotiriouBell Potter
Ware KuoBofA Global Research
Siraj AhmedCitigroup Inc