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Stock Research: Zip Co

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Zip Co

ASX:ZIP AU000000Z1P6
65
  • Value
    25
  • Growth
    87
  • Safety
    Safety
    16
  • Combined
    34
  • Sentiment
    98
  • 360° View
    360° View
    65
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Company Description

Zip Co Limited is an Australia-based company engaged in digital retail finance and payments, offering point-of-sale credit and digital payment services to customers and integrated retail finance solutions to merchants. Its main businesses include providing unsecured loans to consumers through line of credit and installment products, and offering unsecured loans and lines of credit to small and medium-sized businesses. The company operates in Australia, New Zealand, the United States, and Canada. In the last fiscal year, the company had a market cap of $2396 millions, profits of $383 millions, and revenue of $579 millions.

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ANALYSIS: With an Obermatt 360° View of 65 (better than 65% compared with alternatives), overall professional sentiment and financial characteristics for the stock Zip Co are above average. The 360° View is based on consolidating four consolidated indicators, with half of the metrics below and half above average for Zip Co. The consolidated Growth Rank has a good rank of 87, which means that the company experiences above-average growth momentum when looking at financial metrics such as revenue, profit, and invested capital growth as well as stock returns. This means that growth is higher than for 87% of competitors in the same industry. The consolidated Sentiment Rank also has a good rank of 98, which means that professional investors are more optimistic about the stock than for 98% of alternative investment opportunities. But the consolidated Value Rank has a less desirable rank of 25, which means that the share price of Zip Co is on the higher side compared with typical size in indicators such as revenues, profits, and invested capital. This means the stock price is higher than for 75% of alternative stocks in the same industry. Finally, the consolidated Safety Rank has a riskier rank of 16, which means that the company has a financing structure that is riskier than those of 84% comparable companies when looking at the amount of its debt, its refinancing requirements, and its ability to service debt. ...read more

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Strongest Rank Dividend Yield
Weakest Rank Sentiment
Country Australia
Industry Consumer Finance
Size Medium
Website zip.co
Index
ASX 200
ASX 300
Zip Co stock price by TradingView. Not sourced by Obermatt.
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The higher the 360° View, the better the stock performed against its peers, considering all metrics. The 360° View represents an average of the other 5 ranks and is then scaled to a rank from 1 to 100. The shaded values are illustrative only.
Last update: 13-Mar-2026.

Make Sense of the Ranks

The higher, the better. For every stock, we judge its performance against its peers and rank it on a scale of 1 to 100. These ranks are percentiles: a rank of 75 means the company outperforms 75% of its peers in that specific area. The higher the rank, the better the stock stacks up against its peers.

Value
Identifies how good a value the stock is.
Good Value Expensive
Combined
Consolidated view across Value, Growth, and Safety.
Good Tread Carefully
Growth
Shows a company's growth potential.
High Growth Tough Times
Sentiment
Shows what the market thinks of a stock.
Positive Sentiment Skepticism
Safety
Safety
Assesses how financially secure a company is.
Well-Financed High Leverage
360° View
360° View
Holistic stock analysis: all key non-/financial metrics
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Detailed and Historical Ranks

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Metrics Current 2025 2024 2023
Value
25 11 31 33
Growth
87 99 87 37
Safety
Safety
16 4 1 4
Sentiment
98 41 6 10
360° View
360° View
65 20 8 1
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Metrics Current 2025 2024 2023
Analyst Opinions
62 79 21 19
Opinions Change
80 21 50 50
Pro Holdings
n/a 13 31 44
Market Pulse
42 80 3 4
Sentiment
98 41 6 10
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Metrics Current 2025 2024 2023
Value
25 11 31 33
Growth
87 99 87 37
Safety Safety
16 4 1 4
Combined
34 9 20 1
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Metrics Current 2025 2024 2023
Price vs. Sales (P/S)
56 43 86 51
Price vs. Earnings (P/E)
50 7 23 2
Price vs. Book (P/B)
25 9 19 41
Dividend Yield
1 1 1 1
Value
25 11 31 33
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Metrics Current 2025 2024 2023
Revenue Growth
83 94 76 96
Profit Growth
63 96 86 16
Capital Growth
84 86 74 53
Stock Returns
30 100 33 7
Growth
87 99 87 37
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Metrics Current 2025 2024 2023
Leverage
3 22 3 53
Refinancing
57 23 31 31
Liquidity
42 15 9 6
Safety Safety
16 4 1 4

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Frequently Asked
Questions

This is a classic, high-risk growth play: high growth and positive sentiment outweigh low Value Rank (expensive) and risky financing. This is for aggressive growth investors who are comfortable with the high price and risk, believing the growth story justifies the expense.

Obermatt provides unbiased stock analysis as a completely independent third party. We have no conflicts of interest with individual stock titles. Our data-driven analysis is based on algorithms honed over twelve years, giving you analysis that is free from personal bias and conflicts of interest.

The 360° View Rank indicates a company's overall performance across all major financial and non-financial metrics tracked by Obermatt. A 360° View Rank of 75 means the company is more well-rounded than 75% of similar companies. A high score indicates that the company is strong across the board; it is attractively priced, growing sustainably, financially stable, and well-regarded by the market. Learn more.

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