Zip (ZIP) Stock Price, Fundamentals & Analysis

What ZIP does

Zip (ZIP) is a stock listed on the ASX in the Financial Services sector, under the Credit Services industry. The company provides digital retail finance, personal finance, and payments solutions in Australia and the United States. Its products include retail lines of credit, personal loans, retail installment products, and Buy Now Pay Later installment products for consumers. It also offers unsecured loans through banking partners, point-of-sale credit, and digital payment services. Zip Co Limited was formerly known as ZipMoney Limited and changed its name in December 2017; it was incorporated in 2009 and is headquartered in Sydney, Australia.

Key numbers explained

• Price: The current share price is 1.99 AUD, the amount you would pay for one share right now.
• Trailing P/E ratio: 22.1 means the stock price is 22.1 times the company's last 12 months of earnings per share (0.09 AUD). A higher P/E can reflect expectations of future growth.
• Forward P/E ratio: 10.9 uses expected future earnings instead of past results, which can make the valuation look lower if growth is anticipated.
• Dividend yield: 0% and 0% of earnings paid out as dividends, meaning the company currently returns no cash to shareholders from profits.
• Beta: 3.25 indicates the stock tends to move about 3.25 times as much as the overall market, making it more volatile.
• Market cap: 2.47 mld. AUD is the total value of all outstanding shares, placing Zip among mid-sized companies.
• Revenue growth, year over year: 20.5% shows the company's top line has grown significantly over the trailing 12 months.
• Debt-to-equity ratio: 409.2% means the company has a high level of debt compared to shareholder equity, which can amplify risk.

What to watch

Investors tracking Zip often look at how its credit business performs through different economic cycles. The high beta of 3.25 means the share price can swing more sharply than the broader market, which is typical for growth-oriented financial services stocks. The debt-to-equity ratio of 409.2% is a key factor to monitor, as high leverage can affect stability during periods of rising interest rates. Revenue growth of 20.5% and an operating margin of 42.1% show how efficiently the company turns sales into profit. The nextEarningsDate of 20 aug. 2026 is the next scheduled report where management will update guidance. Zip is part of the broader Australian financial ecosystem that includes peers like HUB24 (HUB), Magellan Financial Group (MFG), and GQG Partners (GQG), as well as institutions such as Australia & New Zealand Banking Group (ANZ) and Suncorp (SUN).