Zip Co Limited

OTCPK:ZIZT.F Stock Report

Market Cap: US$2.7b

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.

Below Fair Value: ZIZT.F ($2) is trading above our estimate of fair value ($0.81)

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 barely profitable 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 Ratio4.8x
SalesAU$867.98m
Market CapAU$4.19b

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 Average1.5x
ENVA Enova International
2.3x35.2%US$2.7b
BFH Bread Financial Holdings
1.2x12.0%US$2.9b
FCFS FirstCash Holdings
1.4x4.6%US$4.7b
FINV FinVolution Group
0.9x7.4%US$1.6b
ZIZT.F Zip Co
4.8x5.9%US$4.2b

Price-To-Sales vs Peers: ZIZT.F is expensive based on its Price-To-Sales Ratio (4.8x) compared to the peer average (1.5x).

Price to Sales Ratio vs Industry

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

8 CompaniesPrice / SalesEstimated GrowthMarket Cap
LX LexinFintech Holdings
0.3x2.4%US$557.36m
OPRT Oportun Financial
0.1x12.8%US$113.67m
ELVT Elevate Credit
0.1x1.0%US$58.83m
KPLT Katapult Holdings
0.1x6.1%US$29.02m
ZIZT.F 4.8xIndustry Avg. 1.6xNo. of Companies8PS01.22.43.64.86+
8 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Sales vs Industry: ZIZT.F is expensive based on its Price-To-Sales Ratio (4.8x) compared to the US Consumer Finance industry average (1.6x).

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 Ratio4.8x
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$2.00
US$2.09
+4.5%
31.7%US$2.47US$0.26n/a9
Nov ’25US$1.98
US$1.99
+0.5%
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$0.26n/a8
Apr ’25US$0.87
US$0.69
-20.5%
31.1%US$0.93US$0.26n/a8
Mar ’25US$0.62
US$0.44
-28.7%
36.5%US$0.71US$0.24n/a8
Feb ’25US$0.48
US$0.40
-17.2%
40.1%US$0.62US$0.24n/a7
Jan ’25US$0.46
US$0.29
-37.8%
12.5%US$0.34US$0.24n/a7
Dec ’24US$0.29
US$0.27
-5.0%
10.9%US$0.32US$0.23n/a7
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
Apr ’24US$0.38
US$0.53
+39.8%
65.9%US$1.35US$0.28US$0.8712
Mar ’24US$0.37
US$0.55
+46.5%
63.7%US$1.36US$0.28US$0.6212
Feb ’24US$0.49
US$0.61
+25.5%
58.6%US$1.46US$0.30US$0.4812
Jan ’24US$0.36
US$0.59
+62.9%
60.9%US$1.49US$0.28US$0.4612
Dec ’23US$0.44
US$0.64
+44.2%
57.8%US$1.51US$0.28US$0.2912
Nov ’23n/a
US$0.61
0%
59.3%US$1.43US$0.27US$0.2112

Analyst Forecast: Target price is less than 20% higher than the current share price.

Discover undervalued companies

International Money Express

US$663.0m

Operates as an omnichannel money remittance services company in the United States, Latin America, Mexico, Central and South America, the Caribbean, Africa, and Asia.

IMXI

US$21.32

7D

3.0%

1Y

0.7%

FinVolution Group

US$1.6b

Operates in the online consumer finance industry.

FINV

US$6.18

7D

2.5%

1Y

38.9%

Ameriprise Financial

US$55.5b

Provides various financial products and services to individual and institutional clients in the United States and internationally.

AMP

US$572.07

7D

1.2%

1Y

63.7%