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Zip Co Limited (ZIP.AX)
AUD2.95
-0.09 (-2.96%)
AU ASX Financial Services Financial - Credit Services
Address
Level 5 2000
Sydney, NSW, AU
Sydney, NSW, AU
CEO
Cynthia Scott
Website
zip.co
IPO
2009-12-08
ISIN AU0000218307
Also trades on
Australian Securities Exchange · Z1P.AX (AUD)
Australian Securities Exchange · ZIP.AX (AUD)
Other OTC · ZIZTF (USD)
Description
Zip Co Limited delivers digital financial and payment solutions to a diverse client base, including individual consumers and small-to-medium sized businesses (SMEs). Its extensive global presence spans Australia, Canada, the Czech Republic, Mexico, New Zealand, Poland, Saudi Arabia, Singapore, South Africa, Turkey, the United Arab Emirates, the United Kingdom, and the United States. The company's operations are organized into five primary segments: APAC, Americas, EMEA, Zip Business, and Corporate. For SMEs, Zip Co offers unsecured loans and revolving lines of credit. Consumers, on the other hand, benefit from its Buy Now Pay Later (BNPL) services, providing credit lines and installment payment options for both online and brick-and-mortar transactions. Founded in 2009, the Sydney, Australia-headquartered firm was originally named ZipMoney Limited before adopting its current designation in December 2017.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
AUD2.95
-0.09 (-2.96%)
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Volume Profile
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Liquidity & share structure
Average Volume
19M
Beta
3.28
Float Shares
1.23B
Free Float %
98.1%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +9.47% | +13.19% | +9.02% | +64.20% | -11.63% | -19.15% | -0.37% | +432.00% | -63.46% | +350.85% | +786.67% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
2.95
Ratings Trend (MoM)
100% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 4 | +1 |
| Buy | 7 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
1.49
Distress
Piotroski F-Score
8 / 9
Strong
MOAT Score
3 / 10
No MOAT
Composite Rating
C+
Overall Score
2 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
5 / 5
High
ROA Score
4 / 5
High
D/E Score
1 / 5
Low
P/E Score
1 / 5
Low
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers
-
Revenue growth Financial - Credit Services: +13.2%+22.6% ★ Q4'25: +53.3% (vs Q4'23)
-
EPS growth Financial - Credit Services: +24.0%+1,548.7% ★ Q4'25: -43.2% (vs Q4'23)
-
FCF margin FCF growth · Financial - Credit Services: +70.9%-9.9% Q4'25: +20.5% (vs Q4'23)
-
EBIT margin Financial - Credit Services: +28.7%+25.6% Q4'25: +10.0% (vs Q4'23)
-
ROIC Financial - Credit Services: +5.0%+10.0% ★ Q4'25: +7.9% (vs Q4'23)
-
Share dilution Financial - Credit Services: +0.0%+31.4% Q4'25: +26.4% (vs Q4'23)
-
Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×7.13× Q4'25: 6.89× (vs Q4'23)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Jun 2016 actual |
Jun 2017 actual |
Jun 2018 actual |
Jun 2019 actual |
Jun 2020 actual |
Jun 2021 actual |
Jun 2022 actual |
Jun 2023 actual |
Jun 2024 actual |
Jun 2025 actual |
Jun 2026 8 Rev. Ana. 8 EPS Ana. |
Jun 2027 8 Rev. Ana. 8 EPS Ana. |
Jun 2028 7 Rev. Ana. 8 EPS Ana. |
Jun 2029 3 Rev. Ana. 5 EPS Ana. |
Jun 2030 3 Rev. Ana. 5 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
2.92M
est: 2.76M (+5.7%)
|
16.43M
est: 17.20M (-4.5%)
|
39.27M
est: 37.91M (+3.6%)
|
82.18M
est: 83.48M (-1.6%)
|
160.61M
est: 161.20M (-0.4%)
|
394.37M
est: 398.43M (-1.0%)
|
597.65M
est: 617.06M (-3.1%)
|
688.00M
est: 693.20M (-0.8%)
|
874.02M
est: 873.18M (+0.1%)
|
1.07B
est: 1.07B (-0.2%)
|
1.34B
1.32B – 1.36B
+24.5% YoY
|
1.57B
1.51B – 1.64B
+17.7% YoY
|
1.82B
1.80B – 1.84B
+15.9% YoY
|
2.35B
2.29B – 2.42B
+29.0% YoY
|
1.63B
1.59B – 1.68B
-30.6% YoY
|
| EBITDA |
-5.05M
est: -270.3K (-1,767.9%)
|
-19.76M
est: -1.68M (-1,073.8%)
|
-22.68M
est: -3.71M (-511.4%)
|
-6.94M
est: -8.17M (+15.0%)
|
29.49M
est: -15.77M (+287.0%)
|
-324.28M
est: -38.99M (-731.8%)
|
-97.83M
est: -60.38M (-62.0%)
|
-159.91M
est: -67.83M (-135.8%)
|
359.86M
est: -85.44M (+521.2%)
|
340.15M
est: -105.02M (+423.9%)
|
-130.72M
-133.10M – -128.95M
-24.5% YoY
|
-153.86M
-160.03M – -148.11M
-17.7% YoY
|
-178.29M
-179.97M – -176.61M
-15.9% YoY
|
-229.98M
-236.91M – -223.88M
-29.0% YoY
|
-159.71M
-164.52M – -155.47M
+30.6% YoY
|
| EBIT |
-5.62M
est: -528.1K (-964.9%)
|
-9.20M
est: -3.29M (-179.9%)
|
-7.95M
est: -7.25M (-9.7%)
|
-12.49M
est: -15.96M (+21.7%)
|
18.36M
est: -30.81M (+159.6%)
|
-416.05M
est: -76.16M (-446.3%)
|
-159.36M
est: -117.95M (-35.1%)
|
-98.35M
est: -132.51M (+25.8%)
|
295.44M
est: -166.91M (+277.0%)
|
274.76M
est: -205.17M (+233.9%)
|
-255.37M
-260.03M – -251.91M
-24.5% YoY
|
-300.59M
-312.64M – -289.34M
-17.7% YoY
|
-348.31M
-351.59M – -345.02M
-15.9% YoY
|
-449.29M
-462.82M – -437.37M
-29.0% YoY
|
-312.00M
-321.40M – -303.72M
+30.6% YoY
|
| Net Income |
-8.97M
est: -11.37M (+21.1%)
|
-20.19M
est: -48.76M (+58.6%)
|
-22.55M
est: -100.89M (+77.6%)
|
-11.13M
est: -36.48M (+69.5%)
|
-19.94M
est: -121.76M (+83.6%)
|
-678.15M
est: -338.01M (-100.6%)
|
-1.11B
est: -618.77M (-78.6%)
|
-383.74M
est: -431.66M (+11.1%)
|
3.66M
est: 5.66M (-35.4%)
|
79.90M
est: 79.90M (+0.0%)
|
118.32M
106.82M – 164.82M
+48.1% YoY
|
170.95M
149.29M – 208.38M
+44.5% YoY
|
217.64M
189.39M – 262.95M
+27.3% YoY
|
392.93M
379.38M – 408.32M
+80.5% YoY
|
471.12M
454.88M – 489.57M
+19.9% YoY
|
| SGA |
4.86M
est: 1.46M (+232.5%)
|
16.59M
est: 9.10M (+82.2%)
|
27.65M
est: 20.06M (+37.8%)
|
37.43M
est: 44.18M (-15.3%)
|
80.79M
est: 85.31M (-5.3%)
|
326.35M
est: 210.86M (+54.8%)
|
602.12M
est: 326.57M (+84.4%)
|
230.75M
est: 366.86M (-37.1%)
|
208.04M
est: 462.12M (-55.0%)
|
254.79M
est: 568.05M (-55.1%)
|
707.03M
697.46M – 719.93M
+24.5% YoY
|
832.22M
801.07M – 865.59M
+17.7% YoY
|
964.33M
955.23M – 973.42M
+15.9% YoY
|
1.24B
1.21B – 1.28B
+29.0% YoY
|
863.81M
840.90M – 889.83M
-30.6% YoY
|
| EPS |
-0.06
est: -0.01 (-611.8%)
|
-0.09
est: -0.04 (-130.5%)
|
-0.08
est: -0.08 (-1.8%)
|
-0.04
est: -0.03 (-26.4%)
|
-0.05
est: -0.09 (+42.9%)
|
-1.32
est: -0.26 (-411.5%)
|
-1.81
est: -0.47 (-283.1%)
|
-0.53
est: -0.33 (-59.3%)
|
0.00
est: 0.03 (-85.4%)
|
0.06
est: 0.06 (-2.3%)
|
0.09
0.08 – 0.13
+47.8% YoY
|
0.13
0.11 – 0.16
+42.0% YoY
|
0.16
0.14 – 0.20
+23.2% YoY
|
0.30
0.29 – 0.31
+82.8% YoY
|
0.36
0.35 – 0.37
+19.9% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-06-12 | C+ | 2/5 | 1/5 | 5/5 | 4/5 | 1/5 | 1/5 | 1/5 |
| 2026-06-11 | C+ | 2/5 | 1/5 | 5/5 | 4/5 | 1/5 | 1/5 | 1/5 |
| 2026-06-10 | C+ | 2/5 | 1/5 | 5/5 | 4/5 | 1/5 | 1/5 | 1/5 |
| 2026-06-09 | C+ | 2/5 | 1/5 | 5/5 | 4/5 | 1/5 | 1/5 | 1/5 |
| 2026-06-05 | C+ | 2/5 | 1/5 | 5/5 | 4/5 | 1/5 | 1/5 | 1/5 |
| 2026-06-04 | C+ | 2/5 | 1/5 | 5/5 | 4/5 | 1/5 | 1/5 | 1/5 |
| 2026-06-03 | C+ | 2/5 | 1/5 | 5/5 | 4/5 | 1/5 | 1/5 | 1/5 |
| 2026-06-02 | C+ | 2/5 | 1/5 | 5/5 | 4/5 | 1/5 | 1/5 | 1/5 |
| 2026-06-01 | B- | 2/5 | 1/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-29 | B- | 2/5 | 1/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-28 | B- | 2/5 | 1/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-27 | B- | 2/5 | 1/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-26 | B- | 2/5 | 1/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-25 | B- | 2/5 | 1/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-22 | B- | 2/5 | 1/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-21 | B- | 2/5 | 1/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-20 | B- | 2/5 | 1/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-19 | B- | 2/5 | 1/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-18 | B- | 2/5 | 1/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-15 | B- | 2/5 | 1/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-14 | B- | 2/5 | 1/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-13 | B- | 2/5 | 1/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-12 | B- | 2/5 | 1/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-11 | B- | 2/5 | 1/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-08 | B- | 2/5 | 1/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-07 | B- | 2/5 | 1/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-06 | B- | 2/5 | 1/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-05 | B- | 2/5 | 1/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-04 | B- | 2/5 | 1/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-01 | B- | 2/5 | 1/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-30 | B- | 2/5 | 1/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-29 | B- | 2/5 | 1/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-28 | B- | 2/5 | 1/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-27 | B- | 2/5 | 1/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-24 | B- | 2/5 | 1/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-23 | B- | 2/5 | 1/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-22 | B- | 2/5 | 1/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-21 | B- | 2/5 | 1/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-20 | B- | 2/5 | 1/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-17 | B- | 2/5 | 1/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-16 | B- | 2/5 | 1/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-15 | B- | 2/5 | 1/5 | 5/5 | 5/5 | 1/5 | 1/5 | 1/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
243.91M
OE per share TTM
0.21
Owner's Yield
7.15%
Maintenance CapEx ratio
9.33%
Maint CapEx / Avg PPE
2.4%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
278.9K
Shares Outstanding
1.26B
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Cynthia Scott | Group Chief Executive Officer, MD & Executive Director | 2M | female |
| Joe Heck | Chief Executive Officer of US | 2M | male |
| Gordon Bell | Group Chief Financial Officer | 1M | male |
| Soraya Alali | Chief Executive Officer of ANZ | 692.3K | female |
| Linda Lu | Chief Legal & Risk Officer | — | female |
| Alex Christie | Group Chief People Officer | — | male |
| Vivienne Lee | Senior Director of Investor Relations & Sustainability | — | female |
| Andy Stearns | Senior Vice President & Head of Merchant Business | — | male |
| Chloe Rees | Director of External Relations & Group Communications | — | — |
| Jinal Shah | Chief Marketing Officer of US | — | female |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for ZIP.AX
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
