Zip Co Limited
ZIP.AXFinancial ServicesASXCredit Services
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Daily timeframeZip Co Limited engages in the provision of digital retail finance, personal finance, and payments solutions in Australia, New Zealand, and the United States. With a market capitalization of $2.89B, it sits in mid-cap territory. The company offers retail line of credit products and personal loans; retail installment products; and Buy Now Pay Later installment products to consumers.
Market Cap
$2.89B
Beta
3.26
P/E (TTM)
28.75
P/E (Fwd)
16.95
EPS (TTM)
$0.08
EPS (Fwd)
$0.14
ROE
15.9%
ROA
8.5%
Cash
$174.2M
Total Debt
$2.54B
Free CF
$4.9M
52W Change
18.9%
Annual Financials
Cash vs Debt
The company holds $174.2M in cash, though total debt stands at $2.54B. This level of leverage is common in the industry but worth monitoring as interest rate conditions evolve. Free cash flow comes in at $4.9M, providing flexibility for reinvestment, buybacks, or dividends. Consistent free cash flow generation is often considered a sign of operational health. ROE of 15.9% points to strong capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. An ROA of 8.5% suggests reasonable efficiency in deploying the company's asset base. Revenue has grown from $620.0M (2022) to $1.07B (2025), reflecting a 73% increase over the period.
A beta of 3.26 means ZIP.AX is more volatile than average. Investors should be prepared for wider price swings relative to broader indices. The debt-to-cash ratio suggests meaningful leverage on the balance sheet, a factor worth monitoring if credit conditions tighten. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for Zip Co Limited and its sector.