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Zip Co Limited

Financial Services AU ZIP

3.38AUD
-0.12(3.43%)

Last update at 2024-11-13T05:10:00Z

Day Range

3.363.51
LowHigh

52 Week Range

0.353.39
LowHigh

Fundamentals

  • Previous Close 3.50
  • Market Cap4027.75M
  • Volume13208262
  • P/E Ratio308.50
  • Dividend Yield-%
  • EBITDA394.26M
  • Revenue TTM867.98M
  • Revenue Per Share TTM0.89
  • Gross Profit TTM 693.21M
  • Diluted EPS TTM0.01

Analyst Recommendations

Financials

Income Statement

Balancesheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2023-06-30 2022-06-30 2021-06-30 2020-06-30 2019-06-30
Type yearly yearly yearly yearly yearly
Date 2023-06-30 2022-06-30 2021-06-30 2020-06-30 2019-06-30
Income before tax -367.55100M -799.76500M -742.63500M -20.79400M -11.13300M
Minority interest - - - - -
Net income -383.74000M -1105.09300M -678.14800M -19.94100M -11.13300M
Selling general administrative 44.42M 43.66M 24.03M 21.43M 9.49M
Selling and marketing expenses 41.91M 107.55M 73.75M 9.52M 3.45M
Gross profit 336.80M 354.19M 166.93M 93.53M 30.74M
Reconciled depreciation 63.43M 68.64M 49.20M 11.14M 4.56M
Ebit -228.72100M -159.35500M -416.05000M -10.52100M -12.48700M
Ebitda -165.28900M -97.82600M -324.28200M 2.52M -11.39200M
Depreciation and amortization 63.43M 61.53M 91.77M 13.04M 1.09M
Non operating income net other - - - - -
Operating income -228.72100M -159.35500M -416.05000M -10.52100M -12.48700M
Other operating expenses 916.72M 757.01M 810.42M 171.13M 93.51M
Interest expense 78.14M 30.08M 10.41M 38.94M 0.36M
Tax provision 0.56M -0.31200M -65.24000M -0.64800M 0.00000M
Interest income - - 0.19M 0.11M 0.20M
Net interest income -274.00500M -109.55700M -69.26000M -38.94400M -24.19667M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense -36.41300M 0.23M -65.24000M -1.04000M -0.36564M
Total revenue 688.00M 597.65M 394.37M 160.61M 82.18M
Total operating expenses 565.52M 513.55M 582.98M 104.05M 42.07M
Cost of revenue 351.20M 243.46M 227.44M 67.08M 51.44M
Total other income expense net -138.83000M -640.41000M -326.58500M -10.27300M 1.35M
Discontinued operations -41.13700M -296.74800M -296.74800M -296.74800M -
Net income from continuing ops -372.84700M -1105.09300M -653.09700M -19.94100M -11.13381M
Net income applicable to common shares -377.01500M -1105.09300M -658.77400M -19.94100M -11.13300M
Preferred stock and other adjustments - - - - -
Breakdown 2024-06-30 2023-06-30 2022-06-30 2021-06-30 2020-06-30
Type yearly yearly yearly yearly yearly
Date 2024-06-30 2023-06-30 2022-06-30 2021-06-30 2020-06-30
Total assets 3205.14M 3357.80M 3386.16M 3394.62M 1332.03M
Intangible assets 96.09M 141.64M 192.35M 207.73M 25.09M
Earning assets - - - - -
Other current assets -2826.20100M 123.95M 11.01M 40.99M -
Total liab 2970.46M 3160.43M 2948.41M 2226.25M 1126.63M
Total stockholder equity 234.69M 197.37M 436.73M 1168.38M 205.40M
Deferred long term liab - - - - -
Other current liab 231.69M 158.74M 118.76M 6.03M 2.75M
Common stock 2339.77M 2121.54M 2041.50M 1688.79M 274.15M
Capital stock 2503.62M 2236.01M 2155.96M 1803.25M 274.15M
Retained earnings -2260.38000M -2197.18700M -1871.61300M -741.46900M -88.37200M
Other liab - 1.05M 0.13M 70.63M 13.98M
Good will 209.48M 209.24M 222.74M 788.93M 53.44M
Other assets 22.88M 36.97M - 10.31M 8.40M
Cash 353.01M 275.91M 299.69M 330.20M 32.71M
Cash and equivalents - - - - -
Total current liabilities 277.00M 222.44M 156.36M 73.45M 22.29M
Current deferred revenue - - - - -
Net debt 2231.08M 2660.18M 2466.17M 1805.29M 1057.66M
Short term debt - - - - -
Short long term debt - - - - -
Short long term debt total 2584.08M 2936.09M 2765.86M 2135.49M 1090.37M
Other stockholder equity -0.03300M 38.68M -169.88300M -922.26500M -185.77900M
Property plant equipment - 23.73M 9.06M 9.14M 11.67M
Total current assets 458.34M 370.27M 376.39M 364.43M 41.09M
Long term investments - 2.25M 70.74M 26.04M 84.11M
Net tangible assets - -116.53300M 21.64M 166.03M 126.87M
Short term investments 4.51M 7.20M 3.86M 1.51M 1.51M
Net receivables 2468.68M 77.06M 61.83M 32.72M 6.88M
Long term debt 2403.14M 2918.38M 2761.82M 2129.20M 1081.95M
Inventory - - - - -
Accounts payable 45.32M 63.71M 37.61M 67.42M 19.53M
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 19.62M
Additional paid in capital - - - - -
Common stock total equity - - - - 274.15M
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 -91.39000M
Deferred long term asset charges - - - - -
Non current assets total 2723.92M 2987.53M 3009.76M 3030.20M 1290.94M
Capital lease obligations 17.09M 17.72M 4.04M 6.30M 8.41M
Long term debt total - - - 1665.53M 1090.37M
Breakdown 2023-06-30 2022-06-30 2021-06-30 2020-06-30 2019-06-30
Type yearly yearly yearly yearly yearly
Date 2023-06-30 2022-06-30 2021-06-30 2020-06-30 2019-06-30
Investments -30.48200M -97.07300M -21.06300M -16.67600M -16.67600M
Change to liabilities 38.76M 50.75M -28.77200M -0.10400M 8.29M
Total cashflows from investing activities -30.48200M -97.07300M -938.30000M -522.29700M -374.06000M
Net borrowings 212.51M 650.49M 1017.91M 470.86M 297.50M
Total cash from financing activities 236.59M 820.14M 1190.97M 527.85M 351.42M
Change to operating activities -16.03500M -37.23300M 3.19M 1.15M 0.53M
Net income -377.01500M -1105.09300M -678.14800M -19.94100M -11.13300M
Change in cash -23.78500M -30.50600M 297.49M 20.10M -0.04713M
Begin period cash flow 299.69M 330.20M 32.71M 12.61M 12.66M
End period cash flow 275.91M 299.69M 330.20M 32.71M 12.61M
Total cash from operating activities -225.02700M -752.41800M -887.91500M 14.63M 22.59M
Issuance of capital stock 38.35M 173.04M 178.05M 62.05M 57.80M
Depreciation 49.16M 53.47M 20.77M 6.00M 1.09M
Other cashflows from investing activities - - -930.05400M -488.81100M -370.17700M
Dividends paid 757.85M 1195.39M 1542.84M 473.61M 0.55M
Change to inventory - - -15.57900M -1.69600M -8.82140M
Change to account receivables -159.64600M -490.85200M -795.38300M -6.26100M -4.81300M
Sale purchase of stock -1.77400M -3.38800M -2.90600M -2.12900M -2.33137M
Other cashflows from financing activities 1445.43M 2386.83M 3079.87M 942.08M 943.32M
Change to netincome 221.95M 284.03M 705.30M 28.64M 25.16M
Capital expenditures 24.57M 29.51M 13.39M 19.48M 0.28M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital -159.64600M -490.85200M -795.38300M -6.26100M -4.81300M
Stock based compensation 14.25M 30.94M 142.84M 20.39M 3.21M
Other non cash items 102.83M 299.21M -230.53900M 28.57M 32.63M
Free cash flow -249.59500M -781.93200M -901.30700M -4.84900M 22.32M

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 Limited		 -0.12 3.43% 3.38 308.50 384.62 4.64 10.29 7.10 17.12
CCP
Credit Corp Group Ltd		 -0.26 1.43% 17.94 24.59 12.22 3.28 1.43 3.90 14.36
LFS
Latitude Financial Services Group Limited		 - -% 1.15 - - 2.76 0.97 6.99 16.49
LFG
Liberty Financial Group Pty Ltd		 0.05 1.49% 3.40 8.26 5.55 1.58 0.78 9.60 11.09
PPM
Pepper Money Ltd		 -0.035 2.54% 1.34 6.36 7.08 1.56 0.72 45.75 -

Reports Covered

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Profile

Zip Co Limited engages in the provision of digital retail finance and payments solutions to consumers, and small and medium sized merchants (SMEs) in Australia, New Zealand, Canada, and the United States. The company offers Buy Now Pay Later services, which offer line of credit and installment products to consumers through online and in-store. It also provides unsecured loans and lines of credit to SMEs; 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 Limited

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

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