Zip Co (ZIP) Stock Overview
Engages in the provision of digital retail finance, personal finance, and payments solutions in Australia, New Zealand, and the United States. More details
| Snowflake Score | |
|---|---|
| Valuation | 0/6 |
| Future Growth | 4/6 |
| Past Performance | 3/6 |
| Financial Health | 2/6 |
| Dividends | 0/6 |
ZIP Community Fair Values
Create NarrativeSee what 130 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
Top Community Narratives
AU$2.55
FV
2.0% overvalued intrinsic discount20.79%
Revenue growth p.a.
115
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Zip Co Limited Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | AU$2.60 |
| 52 Week High | AU$4.93 |
| 52 Week Low | AU$1.38 |
| Beta | 3.26 |
| 1 Month Change | 40.92% |
| 3 Month Change | -0.76% |
| 1 Year Change | 42.47% |
| 3 Year Change | 385.98% |
| 5 Year Change | -62.96% |
| Change since IPO | 812.28% |
Recent News & Updates
Narrative Update • May 02
ZIP: AI And Revenue Visibility Will Shape A Balanced Forward Outlook
Analysts have adjusted their view on Zip Co, keeping the A$ fair value unchanged at A$2.60. Updated assumptions for the discount rate, revenue growth, profit margin and a lower future P/E reflect recent Street research highlighting mixed growth signals, as well as changing expectations around AI driven opportunities and near term revenue trends.
New Narrative • Apr 20
Zip Co Ltd (ASX: ZIP): The BNPL Phoenix and the ZMobile Diversification
Zip Co Ltd (ASX: ZIP) , the Australian-born "Buy Now, Pay Later" (BNPL) heavyweight, enters Monday, April 20, 2026 , in the midst of a dramatic market re-rating. Trading at $2.55 AUD at the close, the stock surged 9.2% during Monday afternoon trade alone, capping a remarkable 69% rally over the past month.Narrative Update • Apr 17
ZIP: AI Execution Risk Will Shape A More Optimistic Forward Outlook
Analysts have trimmed their Zip Co price target to A$3.00 from A$5.50, pointing to tempered revenue expectations alongside steady profitability assumptions and valuation multiples. They also highlight AI driven product features, enterprise adoption and performance based revenue as key long term supports for the business.Recent updates
Narrative Update • May 02
ZIP: AI And Revenue Visibility Will Shape A Balanced Forward Outlook
Analysts have adjusted their view on Zip Co, keeping the A$ fair value unchanged at A$2.60. Updated assumptions for the discount rate, revenue growth, profit margin and a lower future P/E reflect recent Street research highlighting mixed growth signals, as well as changing expectations around AI driven opportunities and near term revenue trends.New Narrative • Apr 20
Zip Co Ltd (ASX: ZIP): The BNPL Phoenix and the ZMobile Diversification
Zip Co Ltd (ASX: ZIP) , the Australian-born "Buy Now, Pay Later" (BNPL) heavyweight, enters Monday, April 20, 2026 , in the midst of a dramatic market re-rating. Trading at $2.55 AUD at the close, the stock surged 9.2% during Monday afternoon trade alone, capping a remarkable 69% rally over the past month.Narrative Update • Apr 17
ZIP: AI Execution Risk Will Shape A More Optimistic Forward Outlook
Analysts have trimmed their Zip Co price target to A$3.00 from A$5.50, pointing to tempered revenue expectations alongside steady profitability assumptions and valuation multiples. They also highlight AI driven product features, enterprise adoption and performance based revenue as key long term supports for the business.Narrative Update • Apr 03
ZIP: Higher Required Returns Will Support A More Optimistic Forward Outlook
Narrative Update on Zip Co Price Target Analysts have reduced the A$3.74 fair value estimate for Zip Co to A$2.60. This reflects updated assumptions that apply a higher discount rate and a lower future P/E multiple, despite broadly similar expectations for revenue growth and profit margins.
Narrative Update • Mar 20
ZIP: Higher Fair Value Reflects Confidence In Margin Expansion And Buyback Plan
Analysts have adjusted the fair value estimate for Zip Co to A$5.25 from A$4.31, reflecting updated views on discount rates, revenue growth, profit margins and future P/E assumptions in light of recent Street research commentary. Analyst Commentary Recent Street commentary on ZipRecruiter, while focused on a different company, offers context for how analysts are thinking about platform scale, technology adoption and revenue visibility that can inform views on Zip Co. Bullish analysts are paying particular attention to earnings delivery versus guidance, the role of AI in driving user engagement and the link between execution on these themes and longer term valuation support.
New Narrative • Mar 12
Fundamental Analysis on BNPL companies should be viewed differently for Valuation Metrics.
I firmly believe that for BNPL companies, you MUST modify the generic fundamental analysis principles of Profitability, Low Debt, P/E, EPS, etc, in order to receive a more accurate company valuation. You have to view BNPL companies as Short term lenders + Payment companies, so your metrics for valuations would look more into Tranaction margin & Net Credit Loss Rate to loan book value, similarly to other lenders / banks.
Narrative Update • Mar 05
ZIP: Trust-Led Platform And Buyback Plan Will Support Future Upside
Narrative Update Analysts have trimmed their fair value estimate for Zip Co to about A$4.07 from A$5.05, reflecting updated assumptions for slightly softer revenue growth and profit margins, a higher discount rate, and a lower future P/E multiple. This is in line with recent Street price target cuts to A$3.00 from A$5.50 and A$5.00.Narrative Update • Feb 19
ZIP: Trust-Led Brand Platform And Stable Metrics Will Support Upside
Analysts have revised their price target for Zip Co to A$5.05, citing updated assumptions around discount rates, growth and future P/E. Their fair value estimate remains broadly unchanged.Narrative Update • Feb 05
ZIP: Steady Fair Value And Higher P/E Assumption Will Support Upside
Analysts have kept Zip Co's fair value estimate steady at A$5.05 per share while nudging the long term discount rate slightly higher and the future P/E assumption to 35.05x. This reflects updated views on risk and earnings multiples without changing the headline price target.Narrative Update • Jan 22
ZIP: Slightly Updated Assumptions Will Support Further Share Upside
Analysts have trimmed their fair value estimate for Zip Co slightly, from A$5.10 to A$5.05. This reflects updated assumptions for revenue growth, profit margins and future P/E that leave the overall outlook broadly similar to prior views.Narrative Update • Jan 08
ZIP: Expanded Stripe Partnership Will Support A More Optimistic Future Outlook
Analysts have increased their fair value estimate for Zip Co from A$2.27 to A$3.74, reflecting updated views on revenue growth, profit margins and a higher assumed future P/E multiple. What's in the News Zip Co announced an expanded partnership with Stripe that makes Zip available through Stripe's optimized checkout interfaces, including Elements, Checkout and Payment Links, for US merchants (Client Announcements).Narrative Update • Dec 19
ZIP: Expanded US Payment Reach Will Drive Further Share Upside
Analysts have slightly reduced their price target on Zip Co to around $5.10 per share, reflecting marginally lower discount rate and valuation multiple assumptions while keeping long term growth and profitability expectations effectively unchanged. What's in the News Expanded US reach as Zip becomes available through Stripe’s optimized checkout interfaces, including Elements, Checkout, and Payment Links, via a no code activation from the Stripe Dashboard (Client Announcements) New Stripe integration enables merchants to offer Zip’s pay in installments option while still receiving full payment upfront, with Zip managing customer repayments and associated risk (Client Announcements) Partnership with Opportunity Knocks launches a national casting call where selected participants, including one Zip customer, can receive up to $20,000 in targeted financial support and coaching (Client Announcements) Zip customers and viewers gain access to Opportunity Knocks’ free digital tools, including the Opportunity Coach for personalized financial guidance and the Opportunity Finder, which connects users to over 17,000 local services (Client Announcements) Valuation Changes Fair Value: unchanged at approximately A$5.10 per share, indicating stable long term valuation assumptions.Narrative Update • Dec 05
ZIP: Expanded Payment Partnerships Will Support Further Upside For Shares
Analysts have modestly lifted their price target on Zip Co, citing a slightly higher discount rate and steady expectations for revenue growth, profit margins, and future valuation multiples that together support a fair value estimate of approximately $5.10 per share. What's in the News Expanded US partnership with Stripe enables Zip as a pay in installments option across Stripe Elements, Checkout, and Payment Links, with no code required for merchants and full upfront payment while Zip manages customer repayments (company announcement) Stripe integration gives merchants access to a broader base of high intent shoppers who may be underserved by traditional financial services, aiming to lift conversion and average order values while reducing cart abandonment (company announcement) New collaboration with Opportunity Knocks launches a national casting call where selected participants, including one Zip customer, can receive up to $20,000 in targeted support to accelerate their path to financial stability (company announcement) Opportunity Knocks partnership extends Zip's financial wellness focus by directing customers and viewers to free digital tools like the Opportunity Coach and Opportunity Finder, connecting them to over 17,000 local support services (company announcement) Valuation Changes Fair Value Estimate remains unchanged at approximately A$5.10 per share, indicating no material reassessment of intrinsic value.Narrative Update • Nov 21
ZIP: Expanded Platform Partnerships Will Drive Further Upside For Shares
Analysts have maintained their price target for Zip Co. at $5.10 per share, citing marginal adjustments to key valuation inputs along with a steady outlook based on current growth and profitability trends. What's in the News Zip Co has expanded its partnership with Stripe, making Zip’s pay in installments option available through Stripe’s checkout solutions for US merchants (Client Announcements).Narrative Update • Nov 05
ZIP: Future Share Buybacks And New Partnerships Will Drive Further Gains
Analysts have lowered their price target for Zip Co. from $5.33 to $5.10, citing expectations of slightly reduced profit margins due to a marginally improved revenue growth outlook. What's in the News Zip Co has launched an expanded partnership with Stripe, enabling US merchants to offer Zip's pay in installments feature through Stripe's checkout tools with a simple, no-code setup (Client Announcement).Narrative Update • Oct 22
Analysts Raise Zip Co Target as Valuation Climbs on Buyback and Google Pay Expansion
Analysts have raised their price target for Zip Co. from $5.00 to $5.33. This revision reflects slightly improved revenue growth, profit margin expectations, and future earnings multiples.Narrative Update • Oct 08
Digital Payments And ECommerce Trends Will Expand International Markets
Zip Co Analyst Price Target Raised to $5.00 on Upgraded Profitability Outlook Analysts have increased their fair value estimate for Zip Co from $4.58 to $5.00. The revision is based on stronger expected revenue growth and improved profit margins in their updated projections.Narrative Update • Sep 23
Digital Payments And ECommerce Trends Will Expand International Markets
The consensus analyst price target for Zip Co has edged higher to A$4.58, primarily reflecting a small uplift in the company’s future P/E multiple. What's in the News Completed buyback of 14.8 million shares (1.13% of shares) for AUD 29.8 million.Narrative Update • Aug 25
Company To Leverage Stripe Partnership And New Products For Future Success
The upward revision in Zip Co's price target is underpinned by a notable improvement in net profit margin despite a moderation in revenue growth expectations, resulting in a new consensus analyst price target of A$4.31. What's in the News Completed repurchase of 14.8 million shares (1.13%) for AUD 29.8 million under buyback program.Analysis Article • Aug 22
There's Reason For Concern Over Zip Co Limited's (ASX:ZIP) Massive 25% Price Jump
Zip Co Limited ( ASX:ZIP ) shares have continued their recent momentum with a 25% gain in the last month alone. The...
New Narrative • Feb 17
Company To Leverage Stripe Partnership And New Products For Future Success
Zip Co's U.S. expansion and partnerships are set to boost transaction volumes, aiding revenue growth.Analysis Article • Sep 01
What Zip Co Limited's (ASX:ZIP) 27% Share Price Gain Is Not Telling You
Zip Co Limited ( ASX:ZIP ) shares have continued their recent momentum with a 27% gain in the last month alone. This...Shareholder Returns
| ZIP | AU Consumer Finance | AU Market | |
|---|---|---|---|
| 7D | 5.7% | 4.6% | 0.2% |
| 1Y | 42.5% | 9.0% | 5.8% |
Return vs Industry: ZIP exceeded the Australian Consumer Finance industry which returned 9% over the past year.
Return vs Market: ZIP exceeded the Australian Market which returned 5.8% over the past year.
Price Volatility
| ZIP volatility | |
|---|---|
| ZIP Average Weekly Movement | 16.8% |
| Consumer Finance Industry Average Movement | 5.8% |
| Market Average Movement | 10.4% |
| 10% most volatile stocks in AU Market | 17.2% |
| 10% least volatile stocks in AU Market | 4.4% |
Stable Share Price: ZIP's share price has been volatile over the past 3 months compared to the Australian market.
Volatility Over Time: ZIP's weekly volatility has increased from 11% to 17% over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2009 | n/a | Cynthia Scott | zip.co/au |
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.
Zip Co Limited Fundamentals Summary
| ZIP fundamental statistics | |
|---|---|
| Market cap | AU$3.15b |
| Earnings (TTM) | AU$109.24m |
| Revenue (TTM) | AU$1.22b |
29.9x
P/E Ratio2.7x
P/S RatioIs ZIP overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| ZIP income statement (TTM) | |
|---|---|
| Revenue | AU$1.22b |
| Cost of Revenue | AU$0 |
| Gross Profit | AU$1.22b |
| Other Expenses | AU$1.11b |
| Earnings | AU$109.24m |
Last Reported Earnings
Dec 31, 2025
Next Earnings Date
Aug 20, 2026
| Earnings per share (EPS) | 0.087 |
| Gross Margin | 100.00% |
| Net Profit Margin | 8.95% |
| Debt/Equity Ratio | 380.7% |
How did ZIP perform over the long term?
See historical performance and comparisonCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/05/11 09:27 |
| End of Day Share Price | 2026/05/11 00:00 |
| Earnings | 2025/12/31 |
| Annual Earnings | 2025/06/30 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Zip Co Limited is covered by 20 analysts. 7 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Lafitani Sotiriou | Bell Potter |
| Ware Kuo | BofA Global Research |
| Siraj Ahmed | Citigroup Inc |