ZIP Financials
| ZIP Stock | 3.00 0.05 1.64% |
ZIP | Select Account or Indicator |
Understanding current and past ZIP Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of ZIP's financial statements are interrelated, with each one affecting the others. For example, an increase in ZIP's assets may result in an increase in income on the income statement.
Please note, the imprecision that can be found in ZIP's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of ZIP Co. Check ZIP's Beneish M Score to see the likelihood of ZIP's management manipulating its earnings.
ZIP Stock Summary
ZIP competes with Commonwealth Bank, Australia, ANZ Group, Australia, and Macquarie. ZIP is entity of Australia. It is traded as Stock on AU exchange.| Foreign Associate | USA |
Specialization | Financial Services, Financial Services |
| Instrument | Australia Stock View All |
| Exchange | Australian Securities Exchange |
| ISIN | AU0000218307 |
| Business Address | 180 George Street, |
| Sector | Consumer Finance |
| Industry | Financials |
| Benchmark | Dow Jones Industrial |
| Website | zip.co/au |
| Phone | 61 2 8294 2345 |
You should never invest in ZIP without having analyzed its financial statements. Do not rely on someone else's analysis or guesses about the future performance of ZIP Stock, because this is throwing your money away. Analyzing the key information contained in ZIP's financial statements can give you an edge over other investors and help to ensure that your investments perform well for you.
ZIP Key Financial Ratios
ZIP's financial ratios allow both analysts and investors to convert raw data from ZIP's financial statements into concise, actionable information that can be used to evaluate the performance of ZIP over time and compare it to other companies across industries.| Revenue | 874.02 M | ||||
| Gross Profit | 951.74 M | ||||
| EBITDA | 394.26 M | ||||
| Net Income | 5.66 M | ||||
| Total Asset | 3.18 B |
ZIP Key Balance Sheet Accounts
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
| Total Assets | 3.3B | 3.4B | 3.4B | 3.2B | 3.7B | 3.8B | |
| Other Current Liab | 77.7M | 43.2M | 1.6B | 1.4B | 1.6B | 1.7B | |
| Net Debt | 1.9B | 2.6B | 2.8B | 2.1B | 2.4B | 2.5B | |
| Retained Earnings | (766.5M) | (1.9B) | (2.2B) | (2.3B) | (2.0B) | (1.9B) | |
| Accounts Payable | 53.9M | 110.1M | 207.2M | 45.3M | 52.1M | 54.7M | |
| Cash | 330.2M | 299.7M | 275.9M | 353.0M | 406.0M | 426.3M | |
| Net Receivables | 2.0B | 2.6B | 2.7B | 2.4B | 2.8B | 2.9B | |
| Good Will | 773.0M | 222.7M | 209.2M | 209.5M | 240.9M | 252.9M | |
| Other Current Assets | (2.3B) | 11.0M | 10.1M | 9.7M | 8.7M | 9.2M | |
| Total Liab | 2.3B | 3.1B | 3.3B | 2.8B | 3.2B | 3.4B | |
| Total Current Assets | 2.3B | 2.9B | 3.0B | 2.9B | 3.3B | 3.4B | |
| Common Stock | 1.7B | 2.0B | 2.1B | 2.3B | 2.7B | 2.8B | |
| Intangible Assets | 976.8M | 415.1M | 350.9M | 96.1M | 110.5M | 165.3M | |
| Other Liab | 14.0M | 70.6M | 128K | 1.0M | 1.2M | 1.1M | |
| Net Tangible Assets | 126.9M | 166.0M | 21.6M | (116.5M) | (134.0M) | (127.3M) | |
| Other Assets | 10.3M | 39.0M | 72.3M | (2.4B) | (2.2B) | (2.1B) | |
| Long Term Debt | 2.1B | 2.8B | 2.9B | 2.4B | 2.8B | 2.9B |
ZIP Key Income Statement Accounts
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
| Interest Expense | 10.4M | 30.1M | 78.1M | 270.3M | 310.9M | 326.4M | |
| Total Revenue | 394.4M | 597.7M | 688.0M | 874.0M | 1.0B | 1.1B | |
| Gross Profit | 166.9M | 354.2M | 336.8M | 580.7M | 667.8M | 701.2M | |
| Operating Income | (416.1M) | (159.4M) | (228.7M) | 454.5M | 409.0M | 429.5M | |
| Ebit | (373.5M) | (166.5M) | (223.3M) | 329.8M | 296.9M | 311.7M | |
| Ebitda | (324.3M) | (97.8M) | (159.9M) | 394.3M | 354.8M | 372.6M | |
| Cost Of Revenue | 227.4M | 243.5M | 351.2M | 293.3M | 337.3M | 354.2M | |
| Income Before Tax | (742.6M) | (799.8M) | (367.6M) | 25.1M | 22.6M | 23.7M | |
| Net Income | (678.1M) | (1.1B) | (383.7M) | 3.7M | 3.3M | 3.5M | |
| Income Tax Expense | (65.2M) | 232K | (36.4M) | 19.4M | 17.5M | 18.4M | |
| Research Development | 0.13 | 1.88 | 1.34 | 0.53 | 0.48 | 0.45 | |
| Tax Provision | (65.2M) | (312K) | 556K | 19.4M | 22.4M | 23.5M | |
| Net Interest Income | (69.3M) | (109.6M) | (274.0M) | (271.3M) | (244.2M) | (232.0M) |
ZIP Key Cash Accounts
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
| Change In Cash | 297.5M | (30.5M) | (23.8M) | 77.1M | 88.7M | 93.1M | |
| Free Cash Flow | (901.3M) | (781.9M) | (249.6M) | 255.1M | 229.5M | 241.0M | |
| Depreciation | 20.8M | 53.5M | 49.2M | 64.4M | 74.1M | 77.8M | |
| Other Non Cash Items | (230.5M) | 299.2M | 102.8M | (6.1M) | (7.1M) | (6.7M) | |
| Capital Expenditures | 13.4M | 29.5M | 24.6M | 17.5M | 20.1M | 21.1M | |
| Net Income | (678.1M) | (1.1B) | (377.0M) | 5.7M | 5.1M | 5.3M | |
| End Period Cash Flow | 330.2M | 299.7M | 275.9M | 353.0M | 406.0M | 426.3M | |
| Net Borrowings | 470.9M | 1.0B | 650.5M | 212.5M | 244.4M | 358.9M | |
| Change To Netincome | 28.6M | 705.3M | 284.0M | 221.9M | 255.2M | 158.4M | |
| Investments | (21.1M) | (97.1M) | (30.5M) | 12.0M | 10.8M | 11.4M | |
| Dividends Paid | 473.6M | 1.5B | 1.2B | 757.8M | 871.5M | 634.1M |
ZIP Financial Ratios Relationships
Comparative valuation techniques use various fundamental indicators to help in determining ZIP's current stock value. Our valuation model uses many indicators to compare ZIP value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across ZIP competition to find correlations between indicators driving ZIP's intrinsic value. More Info.ZIP Co is rated below average in return on equity category among its peers. It is rated first in return on asset category among its peers . The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the ZIP's earnings, one of the primary drivers of an investment's value.ZIP Co Systematic Risk
ZIP's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. ZIP volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was thirty with a total number of output elements of thirty-one. The Beta measures systematic risk based on how returns on ZIP Co correlated with the market. If Beta is less than 0 ZIP generally moves in the opposite direction as compared to the market. If ZIP Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one ZIP Co is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of ZIP is generally in the same direction as the market. If Beta > 1 ZIP moves generally in the same direction as, but more than the movement of the benchmark.
ZIP Co Total Assets Over Time
ZIP July 21, 2025 Opportunity Range
Along with financial statement analysis, the daily predictive indicators of ZIP help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of ZIP Co. We use our internally-developed statistical techniques to arrive at the intrinsic value of ZIP Co based on widely used predictive technical indicators. In general, we focus on analyzing ZIP Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build ZIP's daily price indicators and compare them against related drivers.
| Downside Deviation | 3.38 | |||
| Information Ratio | 0.2185 | |||
| Maximum Drawdown | 25.25 | |||
| Value At Risk | (5.30) | |||
| Potential Upside | 12.96 |
Additional Tools for ZIP Stock Analysis
When running ZIP's price analysis, check to measure ZIP's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy ZIP is operating at the current time. Most of ZIP's value examination focuses on studying past and present price action to predict the probability of ZIP's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move ZIP's price. Additionally, you may evaluate how the addition of ZIP to your portfolios can decrease your overall portfolio volatility.