EN DE
Watch ZIP Co Ltd for free: we tell you when fair value or trend changes.
Data-driven stock valuation

ZIP Co Ltd (ZIP) fair value: what the stock is really worth

As of Nov 11, 2026: fair value (intrinsic value) of ZIP Co Ltd stock A$0.61, price A$2.17, that is 71.9% below the price, quality 42 out of 100. Rating: strongly overvalued. Calculated from audited financials with 7 of our 26 valuation models and 37 quality factors, updated daily.

  1. Keep an eye on it?Free in your watchlist: 5 stocks without an account, 10 with one Yes, for free

Financial Services AU · ISIN AU0000218307

ZC ZIP Co Ltd logo Some data Nov 11, 2026

ZIP Co Ltd

ZIP · AU
Very expensive, weak quality

Our calculation puts a fair price 72% below what the stock costs today.

Positive coverage
Revenue last quarter +21% vs. a year ago.
Quality 42/100
Expensive Growth (revenue 5y +27.9 %/yr in AUD)
Thin margins · 8.7% net margin (TTM)
Mixed vs. peers (6/12)
Moderate moat 63/100 · thin data
Some data
Fair value A$0.6100 · Strongly overvalued
Watch ZIP Co Ltd for free: we tell you when fair value or trend changes. Watch for free

What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

A$7.23 A$0.2550 Fair Value A$0.6100 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 11, 2026.

How to read this chart

60‑month range A$0.2550 – A$7.23 · fair‑value band A$0.5000 – A$0.8600 · the A$2.17 price screens above the A$0.6100 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 11, 2026.

Follow ZIP Co in your weekly email

Every Wednesday you see whether ZIP Co is on track or worth a review, plus price against fair value. Free, up to 3 stocks.

We send you a confirmation link. Unsubscribe with one click.

Which stocks are undervalued right now? Check free Discover now →

Company profile

Zip Co Limited engages in the provision of digital retail finance, personal finance, and payments solutions in Australia, New Zealand, and the United States.

Show moreShow less

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.

Stock analysis

ZIP Co Ltd (ZIP) currently trades at A$2.17, while our model-based Fair Value estimate is A$0.6100, 72% below the price, so the stock looks overvalued today.

Show more

Valuation

Bull case: the Earnings-Based group reads highest at a median of A$3.85 per share, and 2 of the 6 models we run sit above the A$2.17 price.

Bear case: the Asset-Based group reads lowest at A$0.2500, and 4 of the 6 models stay below the price. Data coverage for this calculation is medium.

Scenario range: A$0.5000 (bear) to A$0.8600 (bull), the price of A$2.17 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 42/100 (below-average quality), in the Financial Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

ZIP Co Ltd reported revenue of A$1.3B in FY2026 versus A$598M in FY2022, a compound +22.5%/yr. Reported net income was A$116M in FY2026.

Key figures

Market cap A$2.8B (≈ $1.9B) Small · P/E ratio 23.7 · P/S ratio 2.25 · EPS (TTM) A$0.0917 · Net margin 8.7% · Return on equity 16.8% · Return on assets (EBIT) 2.9% (5-year average) · Operating margin 42.1%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 63 out of 100 (low confidence).

What moves the price

The share trades about 39% below its 52-week high and 50% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −1% fair-value upside, at −72%, ZIP screens richer than that median.

Fair Value models

Bear A$0.5000 Fair Value A$0.6100 Bull A$0.8600
Price A$2.17 · Downside -71.9%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 4 months old). Earnings retained since then (A$0.0367 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Owner Earnings n/a n/a A$0.4300 71
Residual Income A$0.5000 A$0.6100 A$0.8600 68
P/E Multiple A$0.9100 A$1.21 A$1.52 63
All 7 models by family
DCF Models
Owner Earnings n/a n/a A$0.4300 71
Earnings-Based
Graham-Dodd A$0.6400 A$4.43 A$6.22 61
Lynch FV A$2.29 A$3.27 A$4.25 59
Multiples
P/E Multiple A$0.9100 A$1.21 A$1.52 63
P/B Multiple A$0.3500 A$0.4700 A$0.5900 55
Asset-Based
NCAV (Graham) A$0.1600 A$0.2500 A$0.3100 54
Economic Profit
Residual Income A$0.5000 A$0.6100 A$0.8600 68

Open the full fair value analysis →

Quality Score breakdown

Overall quality 42/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 39
How much profit the company makes from its sales and capital
Quality Growth 55
Are margins and returns getting better?
Cashflow 0
Do the profits arrive as real cash?
Financial strength 37
Debt, balance sheet and risk of trouble
Investment 60
Does it invest with discipline instead of growing at any price?
Low Volatility 0
How calm the share price moves, does not count
Price momentum 20
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 17
Distance to the 52-week high, does not count
New shares 50
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+25.7%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+25.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+27.9%
Start year 2021 (pandemic). Over 10 years: +84.7% a year
Revenue growth 22 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+23.1%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−105.5% (2021) → 10.9% (2026)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: rate outside our plausibility band
not computed

ZIP screens overvalued: fair value 72% below the price. Compare with Visa Inc →

Recent news

News mood ⓘNews mood, the average tone of recent news (37 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Positive
Recent news coverage is more positive than average.

Compare ZIP Co Ltd with another stock

Price, fair value, quality and upside side by side.

Free, no sign-up

Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 325 stocks

Beats the industry median on 6/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 42 · Below median
Fair Value upside −71.9% · Bottom 25%
Profitability
Return on equity (12 months) 16.8% · Top 25%
Return on assets 3.0% · Above median
Net margin (12 months) 8.7% · Below median
Operating margin (12 months) 42.1% · Above median
Growth and dividend
Revenue growth (quarter YoY) 20.5% · Above median
Balance sheet
Debt / equity 4.08× · Highest 25%

Valuation Multiplesvs Credit Services median · lower = cheaper

P/E (12 months) 23.7× · Priciest 25%
P/B 2.81× · Priciest 25%
P/S (12 months) 1.42× · Cheapest 25%
EV/EBITDA 7.6× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 47
FUTURE (revenue growth)100 · sector 55
PAST (return on equity)67 · sector 34
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 63

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Credit Services stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Synchrony Financial, SYF $71.70 $141.92 +98% vs ZIP
PayPal Holdings PYPL $58.78 $107.45 +83% vs ZIP
Shriram Finance Limited SHRIRAMFIN ₹965.00 ₹1,309 +36% vs ZIP
Affirm Holdings AFRM $65.95 $74.92 +14% vs ZIP
Bajaj Finance Limited BAJFINANCE ₹1,065 ₹1,055 −1% vs ZIP
American Express Company AXP $323.46 $210.02 −35% vs ZIP
Visa Inc V $423.00 $242.87 −43% vs ZIP
Mastercard Incorporated MA $658.84 $360.13 −45% vs ZIP
Capital One Financial Corporation COF $195.84 $106.81 −45% vs ZIP
SoFi Technologies, Inc SOFI $16.37 $5.51 −66% vs ZIP

Explore undervalued stocks

More undervalued Financial Services stocks →

All undervalued stocks TechnologyFinancial ServicesHealthcareConsumer CyclicalConsumer DefensiveCommunication ServicesIndustrialsEnergyBasic MaterialsReal EstateUtilities Deeply Undervalued StocksUndervalued High-Quality StocksUndervalued Blue-Chip StocksUndervalued Small-Cap StocksUndervalued Dividend StocksUndervalued 52-Week Low StocksStocks for 2027: Large Companies Below Fair Value

Try a ready-made strategy

Pick a strategy and jump into the live analysis with that exact screen applied.

🥇 Backtested Best 🏆 Big Names 💎 Quality on Sale 🚀 Profitable Growth 🧊 Quality Compounders 💵 Dividend Stars 📈 Strong Momentum 📉 Fallen Angels ⚖️ Deeply Undervalued 🔍 Small-Cap Gems 🏰 Moat at a Fair Price 💼 Insider Buying 🎩 Buffett-Style Quality 📚 Peter Lynch GARP 🧮 Greenblatt Magic Formula 🛡️ Graham Defensive

Discover tools

Stock screenerFilter by region, size and sector Compare toolTwo stocks side by side Extrinsic Value Calculator…Free calculator Peter Lynch Fair Value Formula &…Free calculator
Run the numbers yourself: free valuation calculators
DCF CalculatorP/E Ratio CalculatorPEG Ratio CalculatorGraham NumberPeter Lynch FormulaDDM CalculatorIntrinsic ValueIntrinsic vs Extrinsic ValueP/E Ratio by Sector
For bloggers & editors: embed code + live data

For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.

ZIP Co Ltd: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "ZIP Co Ltd Fair Value". https://www.fairvalue-calculator.com/stock/ZIP.AU

Frequently asked questions

Is ZIP Co Ltd (ZIP) overvalued or undervalued?
As of Nov 11, 2026, our model estimates a fair value of A$0.6100 versus a price of A$2.17, about 72% lower (overvalued).
What is the fair value of ZIP?
Our model-based fair value for ZIP Co Ltd is A$0.6100 (as of Nov 11, 2026), built from audited fundamentals. The current price: A$2.17.
What is the quality score of ZIP?
ZIP Co Ltd has a Quality Score of 42/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for ZIP Co Ltd (ZIP)?
Our model-based price target is the fair value of A$0.6100 (as of Nov 11, 2026) from 7 valuation models. Cautious scenario A$0.5000, optimistic scenario A$0.8600. It is a calculation from audited fundamentals, not an analyst target.
What is the ZIP Co Ltd stock forecast for 2026?
Our models put fair value at A$0.6100, about 72% lower versus a price of A$2.17 (overvalued). Cautious scenario A$0.5000, optimistic scenario A$0.8600. The calculation is refreshed regularly with new filings.
What is the revenue of ZIP Co Ltd (ZIP)?
ZIP Co Ltd reported trailing-twelve-month revenue of about A$1.3B (latest available figure, as of Nov 11, 2026).
What is the intrinsic value of ZIP Co Ltd (ZIP)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For ZIP Co Ltd it is A$0.6100 per share (as of Nov 11, 2026), against a price of A$2.17. It is the blended result of 7 valuation models in 5 families (DCF Models, Earnings-Based, Multiples, Asset-Based, Economic Profit).
Is ZIP Co Ltd stock overvalued or undervalued in 2026?
As of Nov 11, 2026, ZIP trades above its calculated fair value: price A$2.17, fair value A$0.6100, a gap of about −72% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of ZIP?
No. The price is what the market pays today (A$2.17); the fair value is what the company's own numbers justify (A$0.6100). For ZIP Co Ltd the two are A$1.56 per share apart. That gap is exactly why we show both numbers side by side.
How much is ZIP Co Ltd worth?
The market values ZIP Co Ltd at about A$2.8B (market capitalisation, as of Nov 11, 2026). Per share that is A$2.17; our models calculate a fair value of A$0.6100 per share.
What do the bullish and bearish scenarios say about ZIP?
Our models span a range for ZIP Co Ltd: cautious scenario A$0.5000, base A$0.6100, optimistic A$0.8600 per share (as of Nov 11, 2026, price A$2.17). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of ZIP?
ZIP Co Ltd trades at a price-to-earnings ratio of 23.7 (as of Nov 11, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of A$0.6100 is built from several models across several years. Other multiples: P/B 2.8, P/S 1.4, EV/EBITDA 7.6.
How solid is the balance sheet of ZIP Co Ltd (ZIP)?
Balance-sheet figures for ZIP Co Ltd (as of Nov 11, 2026): return on equity 16.8%, debt of 4.08 per unit of equity. They feed the Quality Score of 42/100, which measures business quality independently of the share price.
How far is ZIP from its 52-week high?
ZIP Co Ltd trades at A$2.17, about 39% below its 52-week high of A$3.56 and 50% above the low of A$1.45 (as of Nov 11, 2026). Distance from the high says nothing about value: that is what the fair value of A$0.6100 is for.
Which stocks are comparable to ZIP Co Ltd?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is ZIP Co Ltd stock attractive at the current price?
The data as of Nov 11, 2026: price A$2.17, calculated fair value A$0.6100 (−72%), Quality Score 42/100, from 7 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of ZIP calculated?
We run ZIP Co Ltd through 7 models from 5 families: DCF Models, Earnings-Based, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of A$0.6100 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 15.1% above its aggregate fair value. ZIP Co Ltd itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of ZIP Co Ltd (ZIP)?
The closing price on Nov 11, 2026 was A$2.17. Our model-based fair value is A$0.6100, about 72% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with ZIP Co Ltd right now?
The price sits above even our optimistic bull case (A$0.8600). The favourable scenario is already priced in. Weak quality (42/100) and above fair value at the same time, the margin of safety is missing on both counts. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of ZIP Co Ltd

How large is the market capitalisation of ZIP Co Ltd (ZIP)?
The market capitalisation of ZIP Co Ltd is A$2.8B (≈ $1.9B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of ZIP Co Ltd (ZIP)?
The price-to-sales ratio of ZIP Co Ltd is 2.25 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of ZIP Co Ltd (ZIP)?
Earnings per share at ZIP Co Ltd are A$0.0917 (price ÷ EPS = P/E 23.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of ZIP Co Ltd (ZIP)?
The net margin of ZIP Co Ltd is 8.7% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of ZIP Co Ltd (ZIP)?
The return on equity (ROE) of ZIP Co Ltd is 16.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of ZIP Co Ltd (ZIP)?
On an EBIT basis the return on assets of ZIP Co Ltd is 2.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of ZIP Co Ltd (ZIP)?
The operating margin of ZIP Co Ltd is 42.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at ZIP Co Ltd (ZIP)?
Revenue at ZIP Co Ltd is growing +20.5% versus a year earlier (3y avg +25.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at ZIP Co Ltd (ZIP)?
Earnings per share at ZIP Co Ltd are growing +20.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does ZIP Co Ltd (ZIP) generate?
The free cash flow of ZIP Co Ltd is −A$87.2M (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does ZIP Co Ltd (ZIP) carry?
The net debt of ZIP Co Ltd is A$2.3B (fiscal year 2026). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
Free · no account needed

Watch ZIP Co Ltd in the live analysis

One click puts ZIP Co Ltd on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.

Watch for free →

Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.