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Zip Co Ltd. (AU:ZIP)
ASX:ZIP
Earnings Data
Report Date
Apr 17, 2026TBA (Confirmed)
Period Ending
2026 (Q3)Consensus EPS Forecast
―Last Year’s EPS
0.02Same Quarter Last Year
Strong Buy
Based on 6 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented a strong set of operational and financial results with record cash earnings, robust transaction and customer growth (notably in the U.S.), material margin expansion and improved funding dynamics. Management also highlighted successful product launches, strategic partnerships (Stripe, Google), AI scaling and disciplined capital management. The primary challenges discussed centered on managing higher loss rates from longer-duration products (Pay-in-8), a modest increase in U.S. provisions, FX translation headwinds, and near-term corporate costs related to potential U.S. dual-listing. Overall, the positives — including large percentage increases in profitability metrics, substantial regional momentum, and conservative risk management measures — materially outweigh the highlighted risks.Company Guidance
Record Cash Earnings and Operating Margin Expansion
Delivered record cash earnings of $124.3 million, up 86% year-on-year, and operating margin expanded by 569 basis points to 18.7%.
Strong Top-Line and Transaction Growth
Total transaction volume (TTV) reached a record $8.4 billion, up 34.1% year-on-year, driven by 55 million transactions.
U.S. Market Momentum
U.S. TTV exceeded $4 billion and U.S. revenue was $292 million for the half, with TTV growth of 44.2% and revenue growth of 46.4%; U.S. cash EBITDA rose 70% (1.5x the rate of revenue growth).
Customer and Merchant Expansion
Active customers increased to 6.6 million (group +4.1% YoY) with U.S. active customers up ~10%; merchant count grew over 10% to more than 90,000 merchants; added over 1,400 Stripe merchants in first 4.5 months of general availability.
ANZ Outperformance and Margin Improvement
ANZ cash earnings increased 138% YoY; excess spread expanded by 241 basis points and arrears rates fell 21 basis points YoY; transactions and TTV per customer rose 23% and 20% respectively.
Profitability on Both Statutory and Cash Bases
Cash gross profit rose 33.5% to $314.3 million; cash EBITDA increased 85.6% to $124.3 million; statutory net profit after tax was $52.4 million, up 127.6% YoY.
Improving Funding Costs and Liquidity
Interest expense as a percentage of TTV improved 38 basis points to 1.3%; available cash and liquidity totaled $239 million at 31 December; completed successful ABS and warehouse financings including a $400m 2-year and $300m 5-year public ABS in Australia and a $283m U.S. warehouse.
Product and Platform Innovation
Rolled out Pay-in-2 to all customers, piloted My Bills and Money Coach in the U.S., expanded Zip Plus limits to $20,000 in ANZ, and integrated with partners (Stripe, Google Autofill, Google Wallet); AI adoption scaled (generative AI tools for 100% of team; chatbot Ziggy resolving 65% of interactions).
Capital Management and Shareholder Returns
Completed $100 million on-market share buyback (34.9 million shares at an average $2.86) and acquired 5.9 million shares via employee share trust to neutralize incentive dilution.
Guidance Upgrade and Confirmations
Reconfirmed FY '26 guidance ranges; upgraded operating margin expectation to greater than 18% and cash EBITDA as a percentage of TTV to above 1.4%; expect second-half cash EBITDA broadly in line with first half.
AU:ZIP Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
AU:ZIP Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 19, 2026 | AU$1.85 | AU$1.78 | -3.78% |
Oct 20, 2025 | AU$4.61 | AU$4.19 | -9.11% |
Aug 21, 2025 | AU$3.12 | AU$3.75 | +20.19% |
Feb 24, 2025 | AU$2.38 | AU$2.71 | +13.87% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Zip Co Ltd. (AU:ZIP) report earnings?
Zip Co Ltd. (AU:ZIP) is schdueled to report earning on Apr 17, 2026, TBA (Confirmed).
What is Zip Co Ltd. (AU:ZIP) earnings time?
Zip Co Ltd. (AU:ZIP) earnings time is at Apr 17, 2026, TBA (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is the P/E ratio of Zip Co Ltd. stock?
The P/E ratio of Zip Co Ltd. is N/A.
What is AU:ZIP EPS forecast?
Currently, no data Available