ZIP CO LIMITED (ZIP)
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ZIP

ZIP - ZIP CO LIMITED

FNArena Sector : Business & Consumer Credit
Year End: June
GICS Industry Group : NONE
Debt/EBITDA: 14.14
Index: ASX200 | ASX300 | ALL-ORDS

Zip Co is a digital financial services company providing buy-now-pay-later and flexible-payment products to consumers and merchants, primarily in the US, Australia and New Zealand.

LAST PRICE CHANGE +/- CHANGE % VOLUME

$1.86

29 Oct
2026

0.115

OPEN

$1.78

6.59%

HIGH

$1.87

30,634,992

LOW

$1.77

TARGET
$3.338 79.4% upside
OTHER COMPANIES IN THE SAME SECTOR
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FNARENA'S MARKET CONSENSUS FORECASTS
ZIP: 1
Title FY25
Actual		 FY26
Actual		 FY27
Forecast		 FY28
Forecast
EPS (cps) xxx 9.2 13.4 xxx
DPS (cps) xxx 0.0 0.0 xxx
EPS Growth xxx 47.7% 46.3% xxx
DPS Growth xxx N/A N/A xxx
PE Ratio xxx N/A 13.4 xxx
Dividend Yield xxx N/A 0.0% xxx
Div Pay Ratio(%) xxx N/A N/A xxx

Dividend yield today if purchased 3 years ago: 0.00%

DIVIDEND YIELD CALCULATOR

Dividend Yield Today On Last Actual Payout :

 0.00

Estimated Dividend Growth
(Average Of Past Three Years)

  %

Amount Invested

 $ 

Tell Me The Dividend After This Many Years
Past performance is no guarantee for the future. Investors should take into account that heavy swings in share price or exceptional circumstances (a la 2009) can have a significant impact on short term calculations and averages
HISTORICAL DATA ARE ALL IN AUD
Copyright © 2026 FactSet UK Limited. All rights reserved
Title 202120222023202420252026
EPS Basic xxxxxxxxxxxxxxx9.2
DPS All xxxxxxxxxxxxxxx0.0
Sales/Revenue xxxxxxxxxxxxxxx1,345.6 M
Book Value Per Share xxxxxxxxxxxxxxx54.1
Net Operating Cash Flow xxxxxxxxxxxxxxx-85.9 M
Net Profit Margin xxxxxxxxxxxxxxx8.65 %

EPS Basic

DPS All

Sales/Revenue

Book Value Per Share

Net Operating Cash Flow

Net Profit Margin

Title 202120222023202420252026
Return on Capital Employed xxxxxxxxxxxxxxx16.83 %
Return on Invested Capital xxxxxxxxxxxxxxx3.55 %
Return on Assets xxxxxxxxxxxxxxx3.16 %
Return on Equity xxxxxxxxxxxxxxx16.83 %
Return on Total Capital xxxxxxxxxxxxxxx4.49 %
Free Cash Flow ex dividends xxxxxxxxxxxxxxx-87.2 M

Return on Capital Employed

Return on Invested Capital

Return on Assets

Return on Equity

Return on Total Capital

Free Cash Flow ex dividends

Title 202120222023202420252026
Short-Term Debt xxxxxxxxxxxxxxx5 M
Long Term Debt xxxxxxxxxxxxxxx2,751 M
Total Debt xxxxxxxxxxxxxxx2,755 M
Goodwill - Gross xxxxxxxxxxxxxxx200 M
Cash & Equivalents - Generic xxxxxxxxxxxxxxx432 M
Price To Book Value xxxxxxxxxxxxxxx5.99

Short-Term Debt

Long Term Debt

Total Debt

Goodwill - Gross

Cash & Equivalents - Generic

Price To Book Value

Title 202120222023202420252026
Capex xxxxxxxxxxxxxxx42.9 M
Capex % of Sales xxxxxxxxxxxxxxx3.19 %
Cost of Goods Sold xxxxxxxxxxxxxxx465 M
Selling, General & Admin. Exp & Other xxxxxxxxxxxxxxx733 M
Research & Development xxxxxxxxxxxxxxx-
Investments - Total xxxxxxxxxxxxxxx1 M

Capex

Capex % of Sales

Cost of Goods Sold

Selling, General & Admin. Exp & Other

Research & Development

Investments - Total

EXPERT VIEWS
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Sentiment Indicator

1.0

No. Of Recommendations

4
BROKER DATE RATING RECOMMENDATION TARGET PRICE % TO REACH TARGET COMMENTARY

Macquarie

xx/xx/xxxx

1

xxxxxxxxxx

$xx.xx

xx.xx%

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Citi

xx/xx/xxxx

1

xxx

$xx.xx

xx.xx%

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UBS

26/10/2026

1

Buy

$4.05

117.74%

UBS cuts its target for Zip Co to $4.05 from $4.40 and retains its Buy rating following the September quarter result release, viewing the -30% share price fall in reaction as excessive.

Initial View: First-quarter FY27 revenue for Zip Co was broadly in line with expectations held by UBS.

Released today, the results also showed cash earnings (EBITDA) of $340m. This missed the $342m expected by consensus as US credit losses rose and an external fraud incident cost around -$10m, the analysts explain.

Revenue increased 17% to $371m, while cash earnings rose 4% to $65m, -1% to 6% below the broker's forecast. Net bad debts reached -1.97% of transaction value, against the broker's -1.8% forecast.

The fraud incident has been contained and September US transaction value grew 41% in US dollars from a year earlier, the broker highlights.

Management retained FY27 cash earnings guidance of $340m despite the fraud cost and announced a $50m share buyback.

FORECAST
UBS forecasts a full year FY27 dividend of 0.00 cents and EPS of 13.00 cents.
UBS forecasts a full year FY28 dividend of 9.00 cents and EPS of 18.00 cents.

Ord Minnett

xx/xx/xxxx

1

xxx

$xx.xx

xx.xx%

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EXTRA COVERAGE
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No. Of Recommendations

0

Please note: unlike Broker Call Report, BC Extra is not updated daily. The info you see might not be the latest. FNArena does its best to update ASAP.

BROKER DATE RATING RECOMMENDATION TARGET PRICE % TO REACH TARGET COMMENTARY
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ZIP STOCK CHART

FNArena News on ZIP

1
Fraud Fallout: Analysts Back Zip

Oct 29 2026 - Small Caps
2
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Sep 23 2026 - Rudi's View

Latest Business & Consumer Credit News

1
Fraud Fallout: Analysts Back Zip

Oct 29 2026 - Small Caps
2
ASIC Watch: Car Loan Distributor Fees Draw Regulatory Fire

Jul 03 2026 - Australia
3
Judo Capital Lands On The Mat

Jun 26 2026 - Small Caps
4
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May 07 2026 - Australia
5
Zip Co Riding Out The Storm

Apr 21 2026 - Small Caps
6
COG Financial Firing On All Cylinders

Dec 17 2025 - Small Caps
7
Zip Conquering The US

Oct 27 2025 - Australia
8
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Sep 04 2025 - Australia
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