The earnings call conveyed a strong positive sentiment with record transaction volumes, significant revenue growth, improved credit performance, and strategic advancements in both the US and ANZ markets. Despite some challenges such as a reduction in statutory net profit due to prior period adjustments and an increase in provisions in Australia, the strategic initiatives and financial performance suggest a robust outlook.

Company Guidance -

Q4 2025

During the HY 2025 results briefing, Zip Co Limited reported significant metrics indicating strong financial performance. The company achieved a record transaction volume of AUD 6.2 billion, marking a 24% year-on-year increase from over 45 million transactions. Total income rose nearly 20% to AUD 514 million, supported by a revenue margin of 8.2%. The US operations contributed significantly, representing 70% of the total transaction volume, with TTV growth of 40.3%. The group also reported an active customer base of 6.3 million, with the US seeing customer growth in both Q1 and Q2. Additionally, Zip Co added nearly 82,000 merchants to its platform. The group cash EBTDA reached AUD 67 million, a 117% increase, while credit losses improved by 22 basis points to 1.6% of TTV. The ANZ business returned to growth, with December TTV up 10% year-on-year. Zip Co reaffirmed its FY 2025 targets, projecting cash EBTDA of at least AUD 147 million for the year, and noted the continued momentum and significant growth opportunities in both the US and ANZ markets.

Record Transaction Volumes

Zip Co Limited achieved AUD 6.2 billion in transaction volumes, up 24% year-on-year from over 45 million transactions, with significant contributions from the US market.

Strong Revenue Growth

Total income increased nearly 20% to AUD 514 million, driven by strong US volume and increased customer engagement.

Improved Credit Performance

Credit losses improved by 22 basis points from 1.6% of TTV, reflecting strong credit performance in both markets.

Significant US Growth

The US business saw TTV growth of 40.3% and cash earnings growth of 80%, with active customer growth up 6.2% year-on-year.

ANZ Business Recovery

ANZ business returned to growth with TTV returning to year-on-year growth in the second quarter, and Australian TTV for December up 10% year-on-year.

Operating Margin Improvement

Operating margin increased by 584 basis points to 13%, supported by disciplined investment in the cost base.

Carbon Neutral Status Achieved

Zip achieved carbon neutral status for the fourth consecutive year.

Zip Co Ltd. (AU:ZIP) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

AU:ZIP Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Aug 22, 2025	2025 (Q4)	0.03 / -	-0.062	―	―	―
Feb 24, 2025	2025 (Q2)	0.04 / 0.02	0.071	-74.65% (-0.05)	―	―
Oct 28, 2024	2025 (Q1)	- / -	-0.076	―	―	―
Aug 26, 2024	2024 (Q4)	0.06 / -0.06	-0.076	18.42% (+0.01)	―	―
Feb 26, 2024	2024 (Q2)	0.02 / 0.07	-0.157	145.22% (+0.23)	―	―
Oct 23, 2023	2024 (Q1)	- / -	-1.437	―	―	―
Aug 28, 2023	2023 (Q4)	-0.22 / -0.08	-1.437	94.71% (+1.36)	―	―
Feb 22, 2023	2023 (Q2)	-0.04 / -0.16	-0.376	58.24% (+0.22)	―	―
Oct 19, 2022	2023 (Q1)	- / -	-0.192	―	―	―
Aug 24, 2022	2022 (Q4)	>-0.01 / -1.44	-0.192	-648.44% (-1.25)	―	―

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 24, 2025	AU$2.38	AU$2.71	+13.87%
Oct 28, 2024	AU$2.79	AU$3.12	+11.83%
Aug 26, 2024	AU$2.27	AU$2.09	-7.93%
Feb 26, 2024	AU$0.94	AU$0.80	-14.89%

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 Aug 22, 2025, TBA (Confirmed).

What is Zip Co Ltd. (AU:ZIP) earnings time?

Zip Co Ltd. (AU:ZIP) earnings time is at Aug 22, 2025, 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?

AU:ZIP EPS forecast for the fiscal quarter 2025 (Q4) is 0.03.

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