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Home CompaniesZIP Co Ltd

ZIP Co Ltd

Financial Services Credit Services
PortfolioPortfolio WatchlistWatchlist
Company price
2.02 AUD -0.12 ( 5.61%)
Last update at 2026-11-06T05:37:00Z
VOLUME
25847574
Market Cap
2504.30M
P/E
20.10

Momentum Score

…

Zip Co Limited engages in the provision of digital retail finance, personal finance, and payments solutions in Australia and the United States. The company offers retail line of credit products and personal loans; retail installment products; and Buy Now Pay Later installment products to consumers. It also provides unsecured loans through banking partners, as well as payment options; online and in-store; access to point-of-sale credit; and digital payment services. The company was formerly known as ZipMoney Limited and changed its name to Zip Co Limited in December 2017. Zip Co Limited was incorporated in 2009 and is headquartered in Sydney, Australia.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
1.99
Low
2.08
High
52 Week Price Range
1.02
Low
3.81
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

ZIP Co Ltd is an Australian fintech offering buy‑now‑pay‑later and digital payment services to consumers and merchants, with primary operations in Australia and New Zealand and ongoing international expansion. Long-term growth may be driven by rising digital payments adoption, merchant partnerships and product diversification. Investors may find the company attractive because it appears positioned to benefit from payment digitization and scale-driven underwriting data.
Key risks include credit losses and cyclical consumer spending, intense competitive and regulatory pressure, and execution and funding challenges in expansion.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
2.14
Dividend Yield
-
Revenue TTM
1336.00M
Revenue Per Share
1.05
Gross Profit TTM
1336.00M
Debt / Equity
4.09
ROE
16.83%
Net Debt
2327.88M
ROCE
3.78%
Diluted EPS TTM
0.10

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Type yearly yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Income before tax 145.27M 25.34M 25.10M -367.55M -799.76M
Net income 116.38M 79.89M 3.66M -383.74M -1105.09M
Selling general administrative 283.65M 206.71M 169.81M 44.42M 43.66M
Selling and marketing expenses - 48.08M 38.22M 41.91M 107.55M
Gross profit 834.81M 667.43M 580.69M 336.80M 354.19M
Reconciled depreciation 47.59M 65.39M 64.42M 63.43M 68.64M
Ebit 145.96M 274.76M 295.44M -228.72M -159.35M
Ebitda 193.55M 340.15M 359.86M -165.29M -97.83M
Depreciation and amortization 47.59M 65.39M 64.42M 63.43M 61.53M
Operating income 147.21M 268.56M 454.46M -228.72M -159.35M
Other operating expenses 1200.15M 803.04M 413.51M 916.72M 757.01M
Interest expense 0.68M 249.43M 270.33M 78.14M 30.08M
Tax provision 28.89M -54.56M 19.45M 0.56M -0.31M
Net interest income -223.12M -250.32M -271.31M -274.00M -109.56M
Income tax expense 28.89M -54.56M 19.45M -36.41M 0.23M
Total revenue 1347.36M 1071.60M 874.02M 688.00M 597.65M
Total operating expenses 687.60M 398.88M 413.51M 565.52M 513.55M
Cost of revenue 512.54M 404.16M 293.33M 351.20M 243.46M
Total other income expense net -1.94M -243.22M -429.36M -138.83M -640.41M
Discontinued operations - - - -41.14M -296.75M
Net income from continuing ops 116.38M 79.89M 5.66M -372.85M -1105.09M
Net income applicable to common shares - - - -377.01M -1105.09M
Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Type yearly yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Total assets 3867.78M 3504.67M 3205.14M 3357.80M 3386.16M
Intangible assets 255.28M 55.34M 96.09M 141.64M 192.35M
Other current assets - - -2826.20M 123.95M 11.01M
Total liab 3194.36M 2795.15M 2970.46M 3160.43M 2948.41M
Total stockholder equity 673.42M 709.52M 234.69M 197.37M 436.73M
Other current liab - - 231.69M 158.74M 118.76M
Common stock 2535.77M - 2339.77M 2121.54M 2041.50M
Capital stock 2531.39M 2755.36M 2503.62M 2236.01M 2155.96M
Retained earnings -2132.49M -2180.49M -2260.38M -2197.19M -1871.61M
Other liab - - - 1.05M 0.13M
Good will 200.34M 212.29M 209.48M 209.24M 222.74M
Other assets - - 22.88M 36.97M -
Cash 427.54M 391.62M 353.01M 275.91M 299.69M
Total current liabilities 4.84M 371.15M 277.00M 222.44M 156.36M
Net debt 2327.88M 2019.01M 2231.08M 2660.18M 2466.17M
Short term debt 4.84M - - - -
Short long term debt total 2755.42M - 2584.08M 2936.09M 2765.86M
Other stockholder equity -4.38M - -0.03M 38.68M -169.88M
Property plant equipment - - - 23.73M 9.06M
Total current assets 3501.11M 504.35M 458.34M 370.27M 376.39M
Long term investments - - - 2.25M 70.74M
Net tangible assets - - - -116.53M 21.64M
Short term investments 4.59M 4.61M 4.51M 7.20M 3.86M
Net receivables 3068.98M - 2468.68M 77.06M 61.83M
Long term debt 2746.04M 2410.63M 2403.14M 2918.38M 2761.82M
Accounts payable 55.92M 51.71M 45.32M 63.71M 37.61M
Accumulated other comprehensive income 274.52M - 155.33M 158.55M 152.38M
Non currrent assets other 48.44M - 21.02M 2573.71M -494.89M
Non current assets total 366.67M 3000.32M 2723.92M 2987.53M 3009.76M
Capital lease obligations 9.38M 13.37M 17.09M 17.72M 4.04M
Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Type yearly yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Investments - -19.49M 12.03M -30.48M -97.07M
Change to liabilities - - - 38.76M 50.75M
Total cashflows from investing activities -42.94M -19.49M 12.03M -30.48M -97.07M
Net borrowings 334.84M -27.60M -162.75M 212.51M 650.49M
Total cash from financing activities 177.25M 108.26M -208.33M 236.59M 820.14M
Change to operating activities - - - -16.04M -37.23M
Net income 116.38M 79.89M 5.66M -377.01M -1105.09M
Change in cash 35.92M 38.62M 77.10M -23.79M -30.51M
Begin period cash flow 391.62M 353.01M 275.91M 299.69M 330.20M
End period cash flow 427.54M 391.62M 353.01M 275.91M 299.69M
Total cash from operating activities -85.88M -49.81M 272.54M -225.03M -752.42M
Issuance of capital stock 0.01M 267.15M 0.05M 38.35M 173.04M
Depreciation 47.59M - 64.42M 49.16M 53.47M
Other cashflows from investing activities - -17.95M 25.24M - -
Dividends paid - - - 757.85M 1195.39M
Change to account receivables -359.24M -265.84M 167.70M -159.65M -490.85M
Sale purchase of stock -120.86M -35.02M -0.06M -1.77M -3.39M
Other cashflows from financing activities -29.72M -96.27M -42.53M 1445.43M 2386.83M
Change to netincome - - - 221.95M 284.03M
Capital expenditures 1.32M 19.49M 17.48M 24.57M 29.51M
Change in working capital -275.48M -231.89M 208.60M -159.65M -490.85M
Stock based compensation - - 6.62M 14.25M 30.94M
Other non cash items 25.62M 182.08M -6.14M 102.83M 299.21M
Free cash flow -87.20M -69.30M 255.06M -249.59M -781.93M

Peer Comparison*

Sector: Financial Services Industry: Credit Services

Stock Name
Change
(AUD)
Price
(AUD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
ZIP
ZIP Co Ltd		 -0.12
5.61%		 2.02 20.10 12.32 1.87 3.53 3.52 11.32
CCP
Credit Corp Group Ltd		 0.07
0.45%		 15.64 10.05 8.78 2.22 1.13 2.50 7.39
LFG
Liberty Financial Group		 -
-%		 3.35 7.13 6.71 1.63 0.86 40.84 11.07
LFS
Latitude Group Holdings Ltd		 0.04
4.22%		 0.86 9.22 - 1.59 0.66 6.49 13.37
PPM
Pepper Money Ltd		 -0.02
1.11%		 1.77 7.80 5.75 1.93 0.90 45.61 -

Profile*

ZIP Co Ltd

Zip Co Limited engages in the provision of digital retail finance, personal finance, and payments solutions in Australia and the United States. The company offers retail line of credit products and personal loans; retail installment products; and Buy Now Pay Later installment products to consumers. It also provides unsecured loans through banking partners, as well as payment options; online and in-store; access to point-of-sale credit; and digital payment services. The company was formerly known as ZipMoney Limited and changed its name to Zip Co Limited in December 2017. Zip Co Limited was incorporated in 2009 and is headquartered in Sydney, Australia.

180 George Street, Sydney, NSW, Australia, 2000

61 2 8294 2345

https://www.zip.co

877

Name Title Year Born
Mr. Larry Diamond Co-Founder, CEO, MD & Exec. Director NA
Mr. Peter John Gray Co-Founder, Global COO & Exec. Director NA
Mr. Martin Brooke Chief Financial Officer NA
Ahu Chhapgar Global Chief Technology Officer NA
Ms. Vivienne Lee C.F.A. Director of Investor Relations NA
Kerry Parkin Director of Public Relation of Zip Global NA
Anna Buber-Farovich Chief People & Culture Officer NA
Mr. Tommy Mermelshtayn Chief Strategy Officer NA
Mr. Andy Mitchell Chief Growth Officer NA
Mr. Matthew Abbott Head of Corp. Affairs NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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