profit from every A$100 of sales.
A$0A$100
Zip
A$2.17+3.83% today
-36.2% in 1 year
1-year low A$1.451-year high A$3.56
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay A$33.84 for every A$1 of profit it makes in a year.
CheapExpensive
of earnings would pay off all its debt.
No debt5 years
Money in, money out
What Zip sold, what it kept, and what it did with the cash.
Sales went from A$620 million in 2022 to A$1.07 billion in 2025, with A$79.9 million of profit last year.
SalesProfit
Zip vs. similar companies
Zip grows the fastest of these 5 and is priced in the middle for its profits.
| Company | Profit from A$100 of sales | Sales growth a year | Price per A$1 of profit |
|---|---|---|---|
| Zip | 33.8× · Expensive | ||
 Visa | 33.8× · Expensive | ||
 Mastercard | 38.5× · Expensive | ||
 American Express | 20.0× · Fair price | ||
 Capital One Financial | 48.3× · Expensive |
AI analysis
An AI analyst reads Zip's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of AUD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 620 | 693 | 868 | 1,072 | |
| 230 | 401 | 575 | 667 | |
| -279 | 4 | 226 | 269 | |
| -927 | -35 | 360 | 340 | |
| -1,105 | -377 | 4 | 80 | |
| -1.81 | -0.57 | 0.00 | 0.06 | |
| 37.0% | 57.9% | 66.2% | 62.3% | |
| -45.0% | 0.5% | 26.0% | 25.1% | |
| -178.2% | -54.4% | 0.4% | 7.5% |
Balance sheet
| In millions of AUD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 3,386 | 3,395 | 3,182 | 3,505 |
| Cash | 300 | 276 | 353 | 392 |
| Total debt | 2,766 | 2,936 | 2,420 | 2,424 |
| Total liabilities | 2,948 | 3,160 | 2,784 | 2,795 |
| 437 | 234 | 399 | 710 | |
| 610 | 720 | 988 | 1,310 | |
| -21.8% | -2.2% | 7.3% | 6.1% | |
| -253.0% | -160.9% | 0.9% | 11.3% |
Cash flow
| In millions of AUD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| – | – | – | – | |
| 30 | 25 | 17 | 19 | |
| -782 | -250 | 255 | -69 | |
| Dividends paid | – | – | – | – |
| 3 | 2 | 0 | 35 | |
| – | – | – | – |
Valuation
- 33.8×
- –
- –
- 4.3×
- 2.5×
- –
- 13.9×
- -2.6%
- 3.0%
- –
Profitability
- 62.3%
- 25.1%
- 7.5%
- –
- 6.1%
- -2.6%
- –
- –
- –
- –
Growth
- +20.0%
- –
- –
- –
- +29.0%
Financial health
- 6.0×
- 3.42
- –
- 1.1×
- 1.36
- –
- –
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 42%of 749
Top 41%of 604
Bottom 16%of 872
Top 26%of 883
Bottom 18%of 931
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
0/7Passes 0 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
22No pass
Benjamin Graham
11No pass
Philip Fisher
47No pass
Peter Lynch
49No pass
Joel Greenblatt
25No pass
Charlie Munger
22No pass
Terry Smith
25No pass
Questions about Zip
Is Zip a good stock to buy?
A business with weak numbers, but the price is high. 0 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Zip AI analysis
What does Zip do?
Zip Co Limited engages in the provision of digital retail finance, personal finance, and payments solutions in Australia, New Zealand, and the United States. It is in Credit Services, based in Sydney, NSW, Australia.
Is Zip stock halal?
No. Zip does not pass our halal screen: its main business, lending at interest, is not permitted. How we check
How has Zip stock done over the past year?
Down 36.2% over the past twelve months, to A$2.17. It traded between A$1.45 and A$3.56 and is 39.0% below its high.
Who are Zip's competitors?
The largest listed companies in the same industry are Visa, Mastercard, American Express and Capital One Financial. The peers table on this page compares their profit, growth and price with Zip's.
Prices: daily closes to Nov 11, 2026. Fundamentals: company reports via invest-like data.