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ZIP Co Ltd

Financial Services AU ZIP

1.685AUD
-0.01(0.59%)

Last update at 2026-03-10T05:24:00Z

Day Range

1.681.77
LowHigh

52 Week Range

1.084.93
LowHigh

Fundamentals

  • Previous Close 1.70
  • Market Cap2340.60M
  • Volume26731238
  • P/E Ratio23.02
  • Dividend Yield-%
  • EBITDA516.96M
  • Revenue TTM1220.47M
  • Revenue Per Share TTM0.93
  • Gross Profit TTM 1220.47M
  • Diluted EPS TTM0.08

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

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Type yearly yearly yearly yearly yearly
Date 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Income before tax 25.34M 25.10M -367.55100M -799.76500M -742.63500M
Minority interest - - - - -
Net income 79.89M 3.66M -383.74000M -1105.09300M -678.14800M
Selling general administrative 206.71M 169.81M 44.42M 43.66M 24.03M
Selling and marketing expenses 48.08M 38.22M 41.91M 107.55M 73.75M
Gross profit 667.43M 580.69M 336.80M 354.19M 166.93M
Reconciled depreciation 65.39M 64.42M 63.43M 68.64M 49.20M
Ebit 274.76M 295.44M -228.72100M -159.35500M -416.05000M
Ebitda 340.15M 359.86M -165.28900M -97.82600M -324.28200M
Depreciation and amortization 65.39M 64.42M 63.43M 61.53M 91.77M
Non operating income net other - - - - -
Operating income 268.56M 454.46M -228.72100M -159.35500M -416.05000M
Other operating expenses 803.04M 413.51M 916.72M 757.01M 810.42M
Interest expense 249.43M 270.33M 78.14M 30.08M 10.41M
Tax provision -54.55900M 19.45M 0.56M -0.31200M -65.24000M
Interest income - - - - 0.19M
Net interest income -250.31600M -271.30900M -274.00500M -109.55700M -69.26000M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense -54.55900M 19.45M -36.41300M 0.23M -65.24000M
Total revenue 1071.60M 874.02M 688.00M 597.65M 394.37M
Total operating expenses 398.88M 413.51M 565.52M 513.55M 582.98M
Cost of revenue 404.16M 293.33M 351.20M 243.46M 227.44M
Total other income expense net -243.21900M -429.35900M -138.83000M -640.41000M -326.58500M
Discontinued operations - - -41.13700M -296.74800M -296.74800M
Net income from continuing ops 79.89M 5.66M -372.84700M -1105.09300M -653.09700M
Net income applicable to common shares - - -377.01500M -1105.09300M -658.77400M
Preferred stock and other adjustments - - - - -
Breakdown 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Type yearly yearly yearly yearly yearly
Date 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Total assets 3504.67M 3205.14M 3357.80M 3386.16M 3394.62M
Intangible assets 55.34M 96.09M 141.64M 192.35M 207.73M
Earning assets - - - - -
Other current assets - -2826.20100M 123.95M 11.01M 40.99M
Total liab 2795.15M 2970.46M 3160.43M 2948.41M 2226.25M
Total stockholder equity 709.52M 234.69M 197.37M 436.73M 1168.38M
Deferred long term liab - - - - -
Other current liab - 231.69M 158.74M 118.76M 6.03M
Common stock - 2339.77M 2121.54M 2041.50M 1688.79M
Capital stock 2755.36M 2503.62M 2236.01M 2155.96M 1803.25M
Retained earnings -2180.48500M -2260.38000M -2197.18700M -1871.61300M -741.46900M
Other liab - - 1.05M 0.13M 70.63M
Good will 212.29M 209.48M 209.24M 222.74M 788.93M
Other assets - 22.88M 36.97M - 10.31M
Cash 391.62M 353.01M 275.91M 299.69M 330.20M
Cash and equivalents - - - - -
Total current liabilities 371.15M 277.00M 222.44M 156.36M 73.45M
Current deferred revenue - - - - -
Net debt 2019.01M 2231.08M 2660.18M 2466.17M 1805.29M
Short term debt - - - - -
Short long term debt - - - - -
Short long term debt total - 2584.08M 2936.09M 2765.86M 2135.49M
Other stockholder equity - -0.03300M 38.68M -169.88300M -922.26500M
Property plant equipment - - 23.73M 9.06M 9.14M
Total current assets 504.35M 458.34M 370.27M 376.39M 364.43M
Long term investments - - 2.25M 70.74M 26.04M
Net tangible assets - - -116.53300M 21.64M 166.03M
Short term investments 4.61M 4.51M 7.20M 3.86M 1.51M
Net receivables - 2468.68M 77.06M 61.83M 32.72M
Long term debt 2410.63M 2403.14M 2918.38M 2761.82M 2129.20M
Inventory - - - - -
Accounts payable 51.71M 45.32M 63.71M 37.61M 67.42M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income - 155.33M 158.55M 152.38M 106.59M
Additional paid in capital - - - - -
Common stock total equity - - - - -
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -10.43800M
Accumulated amortization - - - - -
Non currrent assets other - 21.02M 2573.71M -494.89400M 1988.04M
Deferred long term asset charges - - - - -
Non current assets total 3000.32M 2723.92M 2987.53M 3009.76M 3030.20M
Capital lease obligations 13.37M 17.09M 17.72M 4.04M 6.30M
Long term debt total - - - - 1665.53M
Breakdown 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Type yearly yearly yearly yearly yearly
Date 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Investments -19.49300M 12.03M -30.48200M -97.07300M -21.06300M
Change to liabilities - - 38.76M 50.75M -28.77200M
Total cashflows from investing activities -19.49300M 12.03M -30.48200M -97.07300M -938.30000M
Net borrowings -27.59800M -162.75400M 212.51M 650.49M 1017.91M
Total cash from financing activities 108.26M -208.33400M 236.59M 820.14M 1190.97M
Change to operating activities - - -16.03500M -37.23300M 3.19M
Net income 79.89M 5.66M -377.01500M -1105.09300M -678.14800M
Change in cash 38.62M 77.10M -23.78500M -30.50600M 297.49M
Begin period cash flow 353.01M 275.91M 299.69M 330.20M 32.71M
End period cash flow 391.62M 353.01M 275.91M 299.69M 330.20M
Total cash from operating activities -49.80900M 272.54M -225.02700M -752.41800M -887.91500M
Issuance of capital stock 267.15M 0.05M 38.35M 173.04M 178.05M
Depreciation - 64.42M 49.16M 53.47M 20.77M
Other cashflows from investing activities -17.94800M 25.24M - - -930.05400M
Dividends paid - - 757.85M 1195.39M 1542.84M
Change to inventory - - - - -15.57900M
Change to account receivables -265.84000M 167.70M -159.64600M -490.85200M -795.38300M
Sale purchase of stock -35.01900M -0.06100M -1.77400M -3.38800M -2.90600M
Other cashflows from financing activities -96.27300M -42.52600M 1445.43M 2386.83M 3079.87M
Change to netincome - - 221.95M 284.03M 705.30M
Capital expenditures 19.49M 17.48M 24.57M 29.51M 13.39M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital -231.88600M 208.60M -159.64600M -490.85200M -795.38300M
Stock based compensation - 6.62M 14.25M 30.94M 142.84M
Other non cash items 182.08M -6.13700M 102.83M 299.21M -230.53900M
Free cash flow -69.30200M 255.06M -249.59500M -781.93200M -901.30700M

Peer Comparison

Sector: Financial Services Industry: Credit Services

Company 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		 -0.01 0.59% 1.69 23.02 15.60 1.92 3.41 3.79 11.48
LFG
Liberty Financial Group		 -0.16 4.38% 3.49 7.81 7.05 1.82 0.96 9.61 0.17
LFS
Latitude Group Holdings Ltd		 - -% 0.95 11.88 - 1.83 0.79 6.48 13.48
PPM
Pepper Money Ltd		 0.04 1.81% 2.25 9.65 10.41 2.49 1.18 45.98
CCP
Credit Corp Group Ltd		 -0.16 1.42% 11.14 8.63 7.37 1.76 0.90 2.50 6.87

Reports Covered

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Profile

Zip Co Limited engages in the provision of digital retail finance, personal finance, and payments solutions in Australia, New Zealand, 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 online and in-store; and 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.

ZIP Co Ltd

180 George Street, Sydney, NSW, Australia, 2000

Key Executives

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.