Zip Co (ZIP) Fair Value & Analysis
Financial Services · AU · Market cap A$3.0B
Fair value as of: Jun 26, 2026
From 17 valuation models · updated 4 days ago
Share price +40.9% over the past month.
Price vs Fair Value (12 months)
12‑month range A$1.31 – A$4.35 · fair‑value band A$0.6200 – A$0.8300 · the A$2.93 price screens above the A$0.8300 fair value. As of Jun 26, 2026.
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Zip Co (ZIP) currently trades at A$2.93, while our model-based Fair Value estimate is A$0.8300 — implying the stock looks roughly 71.7% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).
Over the trailing twelve months, Zip Co generated revenue of A$1.2B at a net margin of 9.0%. Revenue grew 29.2% year over year. It earns a return on equity of 15.9%. Net debt stands at A$2.0B. Fundamentals as of Jun 26, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.
About the company
Zip Co Limited engages in the provision of digital retail finance, personal finance, and payments solutions in Australia, New Zealand, 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 online and in-store; and 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.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Zip Co reported revenue of A$1.1B in FY2025 versus A$394M in FY2021, a compound +28.4%/yr. Reported net income was A$79.9M in FY2025.
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| Visa Inc V | 5,663 MXN | 3,002 MXN | -47% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.