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ZIP Co Ltd

ZIP Co Ltd

ZIP · AU · Financial Services / Credit Services

2.04AUD-0.03 (-1.45%)

Price History

Full chart

Market Stats

Previous Close2.07
Open2.10
Day Range2.01 – 2.10
52-Week Range1.38 – 4.93
Volume9.25M
Market Cap2.59B
P/E (TTM)23.11
Forward P/E11.71
EPS0.09
Dividend Yield0.00%
Beta3.31
50-Day Avg2.42
200-Day Avg2.46

About

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.

Company Details

  • SectorFinancial Services
  • IndustryCredit Services
  • CEOMs. Cynthia Scott B.Com.
  • Employees877
  • Headquarters180 George Street, Sydney, NSW, Australia, 2000, Australia
  • Websitehttps://www.zip.co

Leadership

  • Ms. Cynthia Scott B.Com.Group CEO, MD & Executive Director
  • Mr. Gordon BellGroup Chief Financial Officer
  • Mr. Joe HeckChief Executive Officer of US
  • Ms. Soraya AlaliChief Executive Officer of ANZ
  • Ms. Vivienne Lee C.F.A.Senior Director of Investor Relations & Sustainability
  • Ms. Linda LuChief Legal & Risk Officer
  • Chloe ReesSenior Director, Communications & Corporate Affairs
  • Mr. Alex ChristieGroup Chief People Officer
  • Ms. Jinal ShahChief Marketing Officer of US
  • Ms. Sarah BrownGeneral Counsel of ANZ

Financials

Income Statement

Currency: AUD2004-06-302005-06-302006-06-302007-06-302008-06-302009-06-302010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Total Revenue13.84M19.83M18.94M22.29M36.72M30.69M136.57K181.24K78.30K26.13K8.12K10.18K2.92M16.43M39.27M82.18M160.61M394.37M597.65M688.00M874.02M1.07B1.35B
Growth (%)-+43.30%-4.48%+17.67%+64.77%-16.43%-99.56%+32.71%-56.80%-66.63%-68.95%+25.41%+28595.82%+462.68%+139.01%+109.25%+95.43%+145.55%+51.55%+15.12%+27.04%+22.61%+25.73%
Cost of Revenue7.29M11.41M10.79M10.13M19.47M19.44M211.57K391.98K258.39K233.83K209.28K116.36K1.78M18.00M31.62M51.44M67.08M227.44M243.46M351.20M293.33M404.16M512.54M
Gross Profit6.55M8.42M8.15M12.16M17.25M11.25M-75.00K-210.74K-180.09K-207.69K-201.17K-106.19K1.14M-1.56M7.65M30.74M93.53M166.93M354.19M336.80M580.69M667.43M834.81M
Gross Margin47.31%42.47%43.03%54.55%46.98%36.65%-54.92%-116.28%-229.99%-794.76%-2478.95%-1043.41%39.07%-9.52%19.49%37.41%58.23%42.33%59.26%48.95%66.44%62.28%61.96%
Operating Expense5.62M20.52M9.17M7.50M14.06M11.88M1.31M2.28M1.86M1.81M3.07M2.03M5.26M18.48M31.22M43.23M104.05M582.98M513.55M565.52M126.23M398.88M687.60M
Operating Income925.24K-12.10M-1.02M4.66M3.19M-629.00K-1.38M-2.49M-2.04M-2.02M-3.27M-2.13M-4.12M-20.04M-23.57M-12.49M-10.52M-416.05M-159.35M-228.72M454.46M268.56M147.21M
Operating Margin6.69%-61.03%-5.38%20.90%8.70%-2.05%-1013.45%-1374.58%-2605.39%-7737.42%-40345.77%-20957.49%-141.00%-121.98%-60.01%-15.19%-6.55%-105.50%-26.66%-33.24%52.00%25.06%10.93%
EBITDA-1.34M-768.29K-10.70M1.43M3.08M-416.00K-1.30M-2.46M-2.01M-1.97M16.48K-234.48K-5.05M-19.76M-22.68M-6.94M29.49M-324.28M-97.83M-159.91M359.86M340.15M193.55M
EBITDA Margin-9.65%-3.87%-56.52%6.41%8.39%-1.36%-955.17%-1358.99%-2565.32%-7553.41%203.11%-2304.00%-172.89%-120.23%-57.74%-8.45%18.36%-82.23%-16.37%-23.24%41.17%31.74%14.36%
Net Income98.23K--11.27M261.00K3.15M-577.00K-1.17M-2.31M-1.96M-1.54M-2.38M-1.75M-8.97M-20.19M-22.55M-11.13M-19.94M-678.15M-1.11B-383.74M3.66M79.89M116.38M
Net Income Margin0.71%--59.51%1.17%8.58%-1.88%-858.53%-1274.58%-2505.39%-5876.12%-29360.97%-17158.87%-307.07%-122.87%-57.42%-13.55%-12.42%-171.96%-184.91%-55.78%0.42%7.46%8.64%
R&D----------1.66K79.28K3.081.260.580.140.131.881.340.53---
R&D as % of Total Revenue----------20.41%779.04%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%---
Interest Expense164.90K191.81K284.96K931.00K1.72M1.02M136.57K181.24K78.30K24.89K110.16K10.18K2.12M12.89M1.58M364.43K38.94M10.41M30.08M78.14M270.33M249.43M684.00K
Interest Expense % of Total Revenue1.19%0.97%1.50%4.18%4.69%3.32%100.00%100.00%100.00%95.25%1357.44%100.00%72.72%78.43%4.01%0.44%24.25%2.64%5.03%11.36%30.93%23.28%0.05%

Balance Sheet

Currency: AUD2004-06-302005-06-302006-06-302007-06-302008-06-302009-06-302010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Total Assets40.15M18.75M7.58M11.26M27.51M28.59M8.01M5.60M4.66M3.81M1.92M1.36M46.93M174.55M333.07M685.16M1.33B3.33B3.42B3.43B3.18B3.50B3.87B
Total Liabilities14.02M9.00M9.13M10.42M19.53M18.42M284.39K170.10K148.72K583.41K229.28K79.15K35.40M162.93M299.69M608.86M1.13B2.32B3.10B3.31B2.78B2.80B3.19B
Total Equity26.23M9.75M-1.55M838.00K7.98M10.17M7.73M5.43M4.51M3.22M1.69M1.28M11.54M11.63M33.38M76.30M205.40M1.01B322.27M119.87M398.53M709.52M673.42M
Cash9.92M3.16M890.10K1.67M744.00K388.00K4.64M2.25M1.28M409.48K321.63K1.32M7.09M19.21M12.66M12.61M32.71M330.20M299.69M275.91M353.01M391.62M427.54M
Total Debt2.40M1.76M494.63K324.00K7.50M8.81M---478.41K491.35K4.55M31.05M319.58M579.45M587.45M1.09B2.25B2.88B3.05B2.42B2.42B2.76B
Net Debt-7.52M-1.39M-395.47K-1.35M6.75M8.42M-4.64M-2.25M-1.28M68.93K169.72K3.23M23.96M140.11M277.07M574.83M1.06B1.92B2.58B2.77B2.07B2.03B2.33B

Cash Flow

Currency: AUD2004-06-302005-06-302006-06-302007-06-302008-06-302009-06-302010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Operating Cash Flow-893.67K-5.58M-1.30M1.82M2.56M-2.86M-1.11M-2.37M-1.99M-1.47M-406.72K-350.44K-1.85M-7.58M1.43M22.59M14.63M-887.91M-752.42M-225.03M272.54M-49.81M-85.88M
Investing Cash Flow-893.67K-5.58M-1.30M1.82M2.56M-2.86M-98.61K-18.60K-3.00K-176.52K20.00K-36.13M-117.61M-176.90M-374.06M-522.30M-938.30M-97.07M-30.48M12.03M-19.49M-42.94M
Financing Cash Flow-893.67K-5.58M-1.30M1.82M2.56M-2.86M5.85M-1.02M600.00K142.34K1.33M44.05M137.31M168.92M351.42M527.85M1.19B820.14M236.59M-208.33M108.26M177.25M
Capital Expenditure471.04K572.74K89.37K232.00K363.00K419.00K98.61K18.60K3.00K03.48K25.30K48.82K622.50K3.50M275.00K19.48M13.39M29.51M24.57M17.48M19.49M1.32M
Free Cash Flow-1.36M-6.15M-1.39M1.59M2.19M-3.27M-1.21M-2.38M-2.00M-1.47M-410.20K-375.74K-1.90M-8.20M-2.08M22.32M-4.85M-901.31M-781.93M-249.59M255.06M-69.30M-87.20M
Dividends Paid------------14.26M50.47M-551.00K473.61M1.54B1.20B757.85M---
FCF to OCF152.71%110.27%106.85%87.24%85.80%114.67%108.88%100.79%100.15%100.00%100.86%107.22%102.64%108.21%-145.66%98.78%-33.15%101.51%103.92%110.92%93.59%139.14%101.53%
Dividend Paid to FCF-------------750.20%-615.44%-2.47%-9767.07%-171.18%-152.88%-303.63%---

Earnings

Report DateDec 31, 2003Mar 31, 2004Jun 30, 2004Sep 30, 2004Dec 31, 2005Mar 31, 2006Jun 30, 2006Sep 30, 2006Dec 31, 2006Mar 31, 2007Jun 30, 2007Sep 30, 2007Dec 31, 2007Mar 31, 2008Jun 30, 2008Sep 30, 2008Dec 31, 2008Mar 31, 2009Jun 30, 2009Sep 30, 2009Dec 31, 2009Mar 31, 2010Jun 30, 2010Sep 30, 2010Dec 31, 2010Mar 31, 2011Jun 30, 2011Sep 30, 2011Dec 31, 2011Mar 31, 2012Jun 30, 2012Sep 30, 2012Dec 31, 2012Mar 31, 2013Jun 30, 2013Sep 30, 2013Dec 31, 2013Mar 31, 2014Jun 30, 2014Sep 30, 2014Dec 31, 2014Mar 31, 2015Jun 30, 2015Sep 30, 2015Feb 3, 2016Mar 31, 2016Aug 4, 2016Feb 27, 2017Aug 22, 2017Feb 25, 2018Aug 6, 2018Feb 19, 2019Aug 21, 2019Feb 26, 2020Aug 26, 2020Feb 24, 2021Aug 24, 2021Feb 27, 2022Aug 25, 2022Feb 23, 2023Aug 29, 2023Feb 26, 2024Aug 26, 2024Feb 24, 2025Aug 22, 2025Dec 31, 2025Feb 18, 2027
EPS Estimate--------------------------------------------0.00-0.000.000.000.000.000.00-0.060.00-0.00-0.21-0.04--0.05-0.220.02-0.04-0.04-0.03--
EPS Actual0.110.110.220.11-25.03-12.52-25.03-12.520.350.170.350.172.681.342.681.34-0.34-0.17-0.34-0.170.240.120.240.120.090.050.090.05-0.56-0.28-0.56-0.28-0.33-0.16-0.33--0.08--0.08--0.01--0.00--0.05--0.02-0.03-0.06-0.05-0.03-0.02-0.01-0.08-0.08-0.96-0.21-0.27-1.37-0.16-0.220.000.000.020.040.04-
Surprise----------------------------------------------------83.33%---0.57%-575.00%--213.80%1.55%-100.00%100.00%150.00%233.33%--
Timing---------------------------------------------------------After-hoursAfter-hoursAfter-hoursAfter-hours---Pre-market--

Key Statistics & Ratios

Market Cap2.59B
Enterprise Value4.80B
Trailing P/E23.11
Forward P/E11.71
Price / Sales1.94
Price / Book3.67
EPS0.09
Book Value0.523
Revenue (TTM)1.34B
Gross Profit (TTM)1.34B
EBITDA558.48M
Profit Margin8.71%
Operating Margin42.06%
Return on Equity16.83%
Return on Assets9.42%
Shares Outstanding1.25B
Shares Float1.21B
Beta3.31
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Ownership Breakdown

Institutions
36.89%
Insiders
4.42%
Retail / Other
58.69%

Top Fund Holders

  • Vanguard International Stock Index-Total Intl Stock Indx
    5.06M0.92%
  • Vanguard Tax Managed Fund-Vanguard Developed Markets Index Fund
    2.75M0.50%
  • TIAA-CREF Funds-International Opportunities Fund
    2.67M0.48%
  • College Retirement Equities Fund-Global Equities Account
    2.21M0.40%
  • Global X Fds-Global X FinTech Thematic ETF
    1.89M0.34%
  • iShares Core MSCI EAFE ETF
    1.86M0.34%
  • iShares MSCI EAFE Small Cap ETF
    1.79M0.32%
  • College Retirement Equities Fund-Stock Account
    1.59M0.29%
  • Investment Managers Ser Tr-WCM International Small Cap Growth Fd
    1.28M0.23%
  • Vanguard Intl Equity Index Fds-FTSE All World ex U.S.Small Cap Index
    849.80K0.15%

Stock Splits

  • Jul 30, 20151:10
  • Apr 17, 201565:53
  • Jun 12, 201416:13