Zip Co Ltd is a diversified finance provider, offering consumer financing via a line of credit (via Zip Pay and Zip Money) and instalment-based finance (via QuadPay, Spotii, Twisto, and PayFlex); as well as lending to small to midsize enterprises (via Zip Business). Zip's fortunes are largely tied to the buy now, pay later, or BNPL, industry. Majority of its products-Zip Pay, QuadPay (Zip U.S.), and PayFlex-do not charge interest based on outstanding balances. The company provides services in four countries around the world, Australia and New Zealand (ANZ), the United States, and Canada (Americas). The company's segments include ANZ, Americas, and Corporate.

Financial Strength

3/10

Name	Current	Vs Industry
Cash-To-Debt	0.15
Equity-to-Asset	0.13
Debt-to-Equity	6.07
Debt-to-EBITDA	6.73
Interest Coverage	0.83
Piotroski F-Score	7/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	0.6	Distress Grey Safe
Beneish M-Score	-2.82	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

9/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	4.4
	3-Year FCF Growth Rate	62.6
	3-Year Book Growth Rate	-44.6
	Future 3-5Y EPS without NRI Growth Rate	167.46
	Future 3-5Y Total Revenue Growth Rate	19.44

Momentum Rank

3/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	67.91
	9-Day RSI	63.35
	14-Day RSI	62.11
	6-1 Month Momentum %	168.97
	12-1 Month Momentum %	721.05

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	1.65
	Quick Ratio	1.65
	Cash Ratio	1.29
	Days Sales Outstanding	1131.59
	Days Payable	182.53

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	-26.1
	Shareholder Yield %	6.85

Profitability Rank

4/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	66.21
	Operating Margin %	26.01
	Net Margin %	0.42
	FCF Margin %	29.38
	ROE %	1.04
	ROA %	0.11
	ROIC %	1.76
	ROC (Joel Greenblatt) %	35.5
	ROCE %	9.73
	Years of Profitability over Past 10-Year	1

GF Value Rank

	Name	Current	Vs Industry		Vs History
	Forward PE Ratio	53.17
	Price-to-Owner-Earnings	64.62
	PS Ratio	4.16
	PB Ratio	9.66
	Price-to-Tangible-Book	42.75
	Price-to-Free-Cash-Flow	14.15
	Price-to-Operating-Cash-Flow	13.23
	EV-to-EBIT	22.1
	EV-to-EBITDA	18.15
	EV-to-Revenue	7.51
	EV-to-Forward-Revenue	6.03
	EV-to-FCF	25.29
	Earnings Yield (Greenblatt) %	4.53
	FCF Yield %	5.72

Financials (Next Earnings Date:2025-02-27 Est.)

Annual Quarterly TTM

ASX:ZIP's 30-Y Financials

AAPL

Income Statement Breakdown FY

Annual Quarterly

No Enough Data

AAPL

Balance Sheet Breakdown

Annual Quarterly

No Enough Data

AAPL

Cashflow Statement Breakdown

Annual Quarterly

No Enough Data

Historical Operating Revenue by Business Segment

Value % YoY

Historical Operating Revenue by Geographic Region

Value % YoY

See Details

5-Step DuPont Analysis as of

Annual Quarterly

No Enough Data

Guru Trades

See Details

Insider Trades

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Peter Lynch Chart

Y-axis scale:

Log Linear

Interactive Chart

Performance

Dividend

Log

Bar

Annualized Return %

Symbol	1 Week	1 Month	3 Months	6 Months	YTD	1 Year	3 Years	5 Years	10 Years

Total Annual Return %

Symbol	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015

Zip Co Ltd Executives

Details

GF Value: A$0.75

ASX:ZIP

Valuation Chart

Year:

Warning Signs

Warning! GuruFocus detected 5 Severe warning signs with ZIP. Try a 7-Day Free Trial to check it out.

Analyst Estimate

Annual Quarterly

Key Statistics

	Name	Value
	Revenue (TTM) (Mil A$)	867.978
	EPS (TTM) (A$)	-0.009
	Beta	5.09
	Volatility %	67.3
	14-Day RSI	62.11
	14-Day ATR (A$)	0.157176
	20-Day SMA (A$)	3.261
	12-1 Month Momentum %	721.05
	52-Week Range (A$)	0.38 - 3.525
	Shares Outstanding (Mil)	1,305.59

Piotroski F-Score Details

Year:

	Component	Result
	Piotroski F-Score	7
	Positive ROA
	Positive CFROA
	Higher ROA yoy
	CFROA > ROA
	Lower Leverage yoy
	Higher Current Ratio yoy
	Less Shares Outstanding yoy
	Higher Gross Margin yoy
	Higher Asset Turnover yoy

Zip Co Ltd Filings

10-K10-QForm 4Others

	Filing Date	Document Date	Form
No Filing Data

Zip Co Ltd Stock Events

Financials Calendars

	Event	Date	Price(A$)
No Event Data

Zip Co Ltd Frequently Asked Questions

What is Zip Co Ltd(ASX:ZIP)'s stock price today?

The current price of ASX:ZIP is A$3.42. The 52 week high of ASX:ZIP is A$3.53 and 52 week low is A$0.38.

When is next earnings date of Zip Co Ltd(ASX:ZIP)?

The next earnings date of Zip Co Ltd(ASX:ZIP) is 2025-02-27 Est..

Does Zip Co Ltd(ASX:ZIP) pay dividends? If so, how much?

Zip Co Ltd(ASX:ZIP) does not pay dividend.

Press Release

	Subject	Date
No Press Release

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