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Zip Co

DB:YRR
Snowflake Description

High growth potential with excellent balance sheet.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
YRR
DB
A$843M
Market Cap
  1. Home
  2. DE
  3. Diversified Financials
Company description

Zip Co Limited provides point-of-sale credit and digital payment services to consumers and merchants in Australia and New Zealand. The last earnings update was 41 days ago. More info.


Add to Portfolio Compare Print
  • Zip Co has significant price volatility in the past 3 months.
YRR Share Price and Events
7 Day Returns
49.4%
DB:YRR
-4.8%
Europe Consumer Finance
2.1%
DE Market
1 Year Returns
-1%
DB:YRR
-50.9%
Europe Consumer Finance
-16.6%
DE Market
YRR Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Zip Co (YRR) 49.4% 0% -34.2% -1% 151% -
Europe Consumer Finance -4.8% -34.8% -44.2% -50.9% -66.5% -66.7%
DE Market 2.1% -12.6% -22.9% -16.6% -21.9% -27.8%
1 Year Return vs Industry and Market
  • YRR outperformed the Consumer Finance industry which returned -50.9% over the past year.
  • YRR outperformed the Market in Germany which returned -16.6% over the past year.
Price Volatility
YRR
Industry
5yr Volatility vs Market

Value

 Is Zip Co undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
  • It is not possible to calculate the future cash flow value for Zip Co. This is due to cash flow or dividend data being unavailable. The share price is €1.27.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Zip Co's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Zip Co's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
DB:YRR PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-12-31) in AUD A$-0.10
ASX:Z1P Share Price ** ASX (2020-04-07) in AUD A$2.16
Europe Consumer Finance Industry PE Ratio Median Figure of 27 Publicly-Listed Consumer Finance Companies 5.27x
Germany Market PE Ratio Median Figure of 402 Publicly-Listed Companies 16.83x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Zip Co.

DB:YRR PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= ASX:Z1P Share Price ÷ EPS (both in AUD)

= 2.16 ÷ -0.10

-21.62x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Zip Co is loss making, we can't compare its value to the Europe Consumer Finance industry average.
  • Zip Co is loss making, we can't compare the value of its earnings to the Germany market.
Price based on expected Growth
Does Zip Co's expected growth come at a high price?
Raw Data
DB:YRR PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section -21.62x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 7 Analysts
76.2%per year
Europe Consumer Finance Industry PEG Ratio Median Figure of 19 Publicly-Listed Consumer Finance Companies 0.43x
Germany Market PEG Ratio Median Figure of 256 Publicly-Listed Companies 1.22x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for Zip Co, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Zip Co's assets?
Raw Data
DB:YRR PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-12-31) in AUD A$0.47
ASX:Z1P Share Price * ASX (2020-04-07) in AUD A$2.16
Europe Consumer Finance Industry PB Ratio Median Figure of 42 Publicly-Listed Consumer Finance Companies 0.68x
Germany Market PB Ratio Median Figure of 573 Publicly-Listed Companies 1.45x
DB:YRR PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= ASX:Z1P Share Price ÷ Book Value per Share (both in AUD)

= 2.16 ÷ 0.47

4.55x

* Primary Listing of Zip Co.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Zip Co is overvalued based on assets compared to the Europe Consumer Finance industry average.
X
Value checks
We assess Zip Co's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Consumer Finance industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Consumer Finance industry average (and greater than 0)? (1 check)
  5. Zip Co has a total score of 0/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is Zip Co expected to perform in the next 1 to 3 years based on estimates from 7 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
76.2%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Zip Co expected to grow at an attractive rate?
  • Zip Co's earnings growth is expected to exceed the low risk savings rate of -0.4%.
Growth vs Market Checks
  • Zip Co's earnings growth is expected to exceed the Germany market average.
  • Zip Co's revenue growth is expected to exceed the Germany market average.
Annual Growth Rates Comparison
Raw Data
DB:YRR Future Growth Rates Data Sources
Data Point Source Value (per year)
DB:YRR Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 7 Analysts 76.2%
DB:YRR Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 7 Analysts 42%
Europe Consumer Finance Industry Earnings Growth Rate Market Cap Weighted Average 12.3%
Europe Consumer Finance Industry Revenue Growth Rate Market Cap Weighted Average 9.3%
Germany Market Earnings Growth Rate Market Cap Weighted Average 14%
Germany Market Revenue Growth Rate Market Cap Weighted Average 3.9%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
DB:YRR Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 7 Analyst Estimates (S&P Global) See Below
All numbers in AUD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
DB:YRR Future Estimates Data
Date (Data in AUD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2022-06-30 339 96 7 4
2021-06-30 238 51 -27 6
2020-06-30 157 28 -40 6
2020-04-07
DB:YRR Past Financials Data
Date (Data in AUD Millions) Revenue Cash Flow Net Income *
2019-12-31 118 22 -35
2019-09-30 100 22 -23
2019-06-30 83 23 -11
2019-03-31 70 17 -13
2018-12-31 57 12 -15
2018-09-30 48 7 -19
2018-06-30 39 1 -23
2018-03-31 32 -4 -26
2017-12-31 26 -10 -29
2017-09-30 21 -9 -25
2017-06-30 16 -8 -20
2017-03-31 12 -5 -15

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Zip Co's earnings are expected to grow significantly at over 20% yearly.
  • Zip Co's revenue is expected to grow significantly at over 20% yearly.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
DB:YRR Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 7 Analyst Estimates (S&P Global) See Below

All data from Zip Co Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

DB:YRR Future Estimates Data
Date (Data in AUD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2022-06-30 0.02 0.03 0.01 4.00
2021-06-30 -0.07 -0.04 -0.11 6.00
2020-06-30 -0.10 -0.08 -0.11 6.00
2020-04-07
DB:YRR Past Financials Data
Date (Data in AUD Millions) EPS *
2019-12-31 -0.10
2019-09-30 -0.07
2019-06-30 -0.04
2019-03-31 -0.04
2018-12-31 -0.05
2018-09-30 -0.06
2018-06-30 -0.08
2018-03-31 -0.09
2017-12-31 -0.11
2017-09-30 -0.10
2017-06-30 -0.09
2017-03-31 -0.07

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Zip Co will efficiently use shareholders’ funds in the future (Return on Equity greater than 20%) as it is not expected to be profitable.
X
Future performance checks
We assess Zip Co's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the Europe market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the Europe market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Zip Co has a total score of 5/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has Zip Co performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Zip Co's growth in the last year to its industry (Consumer Finance).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Zip Co does not make a profit and their year on year earnings growth rate was negative over the past 5 years.
  • Unable to compare Zip Co's 1-year earnings growth to the 5-year average as it is not currently profitable.
  • Unable to compare Zip Co's 1-year growth to the Europe Consumer Finance industry average as it is not currently profitable.
Earnings and Revenue History
Zip Co's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Zip Co Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

DB:YRR Past Revenue, Cash Flow and Net Income Data
Date (Data in AUD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-12-31 118.01 -34.72 66.99
2019-09-30 100.44 -22.93 53.00
2019-06-30 82.88 -11.13 39.01
2019-03-31 70.10 -12.93 35.14
2018-12-31 57.32 -14.72 31.10
2018-09-30 48.30 -18.64 29.37
2018-06-30 39.27 -22.55 27.65
2018-03-31 32.47 -25.69 25.19
2017-12-31 25.68 -28.84 22.73
2017-09-30 21.05 -24.51 19.66
2017-06-30 16.43 -20.19 16.59
2017-03-31 12.48 -15.00 13.76
2016-12-31 8.53 -9.81 10.94
2016-09-30 5.73 -9.39 7.90
2016-06-30 2.92 -8.97 4.86
2016-03-31 2.00 -7.10 3.26
2015-12-31 1.09 -5.23 1.67
2015-09-30 0.75 -2.85 1.07
2015-06-30 0.41 -0.46 0.47
2014-06-30 0.00 -0.19 0.33 0.00

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • It is difficult to establish if Zip Co has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.
  • It is difficult to establish if Zip Co has efficiently used its assets last year compared to the Europe Consumer Finance industry average (Return on Assets) as it is loss-making.
  • It is difficult to establish if Zip Co improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.
X
Past performance checks
We assess Zip Co's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Consumer Finance industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Zip Co has a total score of 0/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is Zip Co's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up Zip Co's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • Zip Co is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • Zip Co's cash and other short term assets cover its long term commitments.
Balance sheet
This treemap shows a more detailed breakdown of Zip Co's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • Debt is covered by short term assets, assets are 1.1x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Zip Co Company Filings, last reported 3 months ago.

DB:YRR Past Debt and Equity Data
Date (Data in AUD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-12-31 185.14 924.70 40.63
2019-09-30 185.14 924.70 40.63
2019-06-30 76.30 587.45 13.79
2019-03-31 76.30 587.45 13.79
2018-12-31 24.55 462.89 20.46
2018-09-30 24.55 462.89 20.46
2018-06-30 33.38 289.72 13.87
2018-03-31 33.38 289.72 13.87
2017-12-31 39.34 210.98 18.32
2017-09-30 39.34 210.98 18.32
2017-06-30 11.63 160.26 19.57
2017-03-31 11.63 160.26 19.57
2016-12-31 23.48 80.39 12.19
2016-09-30 23.48 80.39 12.19
2016-06-30 11.54 31.05 7.09
2016-03-31 11.54 31.05 7.09
2015-12-31 4.81 8.51 4.23
2015-09-30 4.81 8.51 4.23
2015-06-30 -0.20 4.56 1.03
2014-06-30 -0.08 0.49 0.00
  • Zip Co's level of debt (499.5%) compared to net worth is high (greater than 40%).
  • Zip Co had negative shareholder equity 5 years ago, it is now positive therefore their debt level has improved.
CASH RUNWAY ANALYSIS

For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.

  • Whilst loss making Zip Co has sufficient cash runway for more than 3 years if it maintains the current positive free cash flow level.
  • Whilst loss making Zip Co has sufficient cash runway for more than 3 years, even with free cash flow being positive and shrinking by -40.5% per year.
X
Financial health checks
We assess Zip Co's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Zip Co has a total score of 5/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is Zip Co's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from Zip Co dividends. Estimated to be 0% next year.
If you bought €2,000 of Zip Co shares you are expected to receive €0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate Zip Co's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate Zip Co's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
DB:YRR Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 7 Analyst Estimates (S&P Global) See Below
Europe Consumer Finance Industry Average Dividend Yield Market Cap Weighted Average of 17 Stocks 6.6%
Germany Market Average Dividend Yield Market Cap Weighted Average of 314 Stocks 3.7%
Germany Minimum Threshold Dividend Yield 10th Percentile 0.8%
Germany Bottom 25% Dividend Yield 25th Percentile 1.7%
Germany Top 25% Dividend Yield 75th Percentile 4.7%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

DB:YRR Future Dividends Estimate Data
Date (Data in A$) Dividend per Share (annual) Avg. No. Analysts
2022-06-30 0.00 3.00
2021-06-30 0.00 4.00
2020-06-30 0.00 4.00
2020-04-07

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as Zip Co has not reported any payouts.
  • Unable to verify if Zip Co's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of Zip Co's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as Zip Co has not reported any payouts.
Future Payout to shareholders
  • No need to calculate the sustainability of Zip Co's dividends in 3 years as they are not expected to pay a notable one for Germany.
X
Income/ dividend checks
We assess Zip Co's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Zip Co afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Zip Co has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of Zip Co's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Larry Diamond
COMPENSATION A$589,717
CEO Bio

Mr. Larry Diamond serves as the Chief Executive Officer and Managing Director of Zipmoney Limited. Mr. Diamond co-founded zipMoney in 2013 following 12 years’experience in retail, IT, corporate finance and investment banking at Pacific Brands, Macquarie Capital and Deutsche Bank. He is a former consultant to lenders Prospa Advance, Money in Advance and payment operator Live TaxiEpay. Mr. Diamond serves as Director of Zipmoney Limited. He is a Qualified Chartered Accountant and holds a Bachelor of Information Technology and Master of Commerce (Finance).

CEO Compensation
  • Larry's compensation has increased whilst company is loss making.
  • Larry's remuneration is lower than average for companies of similar size in Germany.
Management Team Tenure

Average tenure of the Zip Co management team in years:

3
Average Tenure
  • The tenure for the Zip Co management team is about average.
Management Team

Larry Diamond

TITLE
CEO, MD & Executive Director
COMPENSATION
A$590K

Martin Brooke

TITLE
Chief Financial Officer
COMPENSATION
A$472K
TENURE
3.3 yrs

Peter Gray

TITLE
COO & Executive Director
COMPENSATION
A$568K

Jonathan Englert

TITLE
Media & Communication Officer

Tommy Mermelshtayn

TITLE
Chief Strategy Officer
TENURE
3.5 yrs

Andy Mitchell

TITLE
Chief Growth Officer
TENURE
2.7 yrs

David Franks

TITLE
Company Secretary
TENURE
0.8 yrs
Board of Directors Tenure

Average tenure of the Zip Co board of directors in years:

4.2
Average Tenure
  • The tenure for the Zip Co board of directors is about average.
Board of Directors

Philip Crutchfield

TITLE
Non-Executive Chairman
COMPENSATION
A$153K
TENURE
4.3 yrs

Larry Diamond

TITLE
CEO, MD & Executive Director
COMPENSATION
A$590K
TENURE
4.6 yrs

Peter Gray

TITLE
COO & Executive Director
COMPENSATION
A$568K
TENURE
4.6 yrs

Nati Harpaz

TITLE
Member of Advisory Board
TENURE
4 yrs

Geoff Levy

TITLE
Member of Advisory Board
AGE
60

David Shein

TITLE
Member of Advisory Board

Simon Schwarz

TITLE
Member of Advisory Board

Dianne Challenor

TITLE
Non-Executive Director
TENURE
2.2 yrs

John Batistich

TITLE
Non-Executive Director
COMPENSATION
A$91K
TENURE
1.6 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month open market individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (€) Value (€)
31. Mar 20 Sell Credit Suisse, Investment Banking and Securities Investments Company 24. Mar 20 26. Mar 20 -1,479,216 €0.71 €-1,043,300
31. Mar 20 Buy Credit Suisse, Investment Banking and Securities Investments Company 24. Mar 20 26. Mar 20 482,098 €0.83 €398,064
31. Mar 20 Buy Credit Suisse Asset Management (Switzerland) Company 25. Mar 20 25. Mar 20 40,765 €0.78 €31,951
26. Mar 20 Sell Credit Suisse, Investment Banking and Securities Investments Company 25. Nov 19 23. Mar 20 -35,038,493 €1.62 €-56,176,906
26. Mar 20 Buy Credit Suisse, Investment Banking and Securities Investments Company 25. Nov 19 23. Mar 20 34,169,118 €1.61 €54,879,048
18. Mar 20 Sell Regal Funds Management Pty Limited Company 10. Mar 20 16. Mar 20 -6,181,688 €1.10 €-5,433,908
18. Mar 20 Buy Regal Funds Management Pty Limited Company 28. Feb 20 13. Mar 20 5,157,885 €1.66 €5,387,587
20. Dec 19 Sell Westpac Banking Corporation, Asset Management Arm Company 13. Jun 19 09. Jul 19 -995 €1.89 €-1,877
20. Dec 19 Buy Westpac Banking Corporation, Asset Management Arm Company 03. Apr 19 09. Apr 19 5,357 €1.19 €6,394
20. Dec 19 Sell BT Funds Management Limited Company 23. Apr 19 23. Apr 19 -2,517 €1.45 €-3,662
20. Dec 19 Buy BT Funds Management Limited Company 16. May 19 07. Nov 19 41,675 €2.81 €116,976
04. Jun 19 Sell Regal Funds Management Pty Limited Company 22. May 19 31. May 19 -623,952 €2.40 €-1,315,944
04. Jun 19 Buy Regal Funds Management Pty Limited Company 22. May 19 23. May 19 9,125 €2.37 €21,266
23. May 19 Sell Regal Funds Management Pty Limited Company 01. May 19 21. May 19 -3,870,597 €2.09 €-8,088,325
23. May 19 Buy Regal Funds Management Pty Limited Company 15. May 19 16. May 19 6,799 €2.12 €14,409
02. May 19 Sell Regal Funds Management Pty Limited Company 05. Apr 19 30. Apr 19 -4,856,091 €1.94 €-8,211,161
02. May 19 Buy Regal Funds Management Pty Limited Company 18. Apr 19 18. Apr 19 12,814 €0.97 €12,469
X
Management checks
We assess Zip Co's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Zip Co has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

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Company Info

Description

Zip Co Limited provides point-of-sale credit and digital payment services to consumers and merchants in Australia and New Zealand. It offers integrated retail finance solutions to small, medium, and enterprise businesses across various industries through online and in-store. The company provides zip Pay and zip Money, which are digital wallets; and Pocketbook, a mobile app that automatically categorizes spending. It serves the retail, home, health and wellness, auto, travel, and entertainment sectors. The company was formerly known as ZipMoney Limited and changed its name to Zip Co Limited in December 2017. Zip Co Limited was founded in 2013 and is based in Sydney, Australia.

Details
Name: Zip Co Limited
YRR
Exchange: DB
Founded: 2013
A$479,094,442
390,389,675
Website: http://zipmoneylimited.com.au
Address: Zip Co Limited
126 Phillip Street,
Level 5,
Sydney,
New South Wales, 2000,
Australia
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
ASX Z1P Share Capital Australian Securities Exchange AU AUD 21. Sep 2015
DB YRR Share Capital Deutsche Boerse AG DE EUR 21. Sep 2015
CHIA Z1P Share Capital Chi-X Australia AU AUD 21. Sep 2015
Number of employees
Current staff
Staff numbers
354
Zip Co employees.
Industry
Consumer Finance
Diversified Financials
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2020/04/07 23:57
End of day share price update: 2020/04/07 00:00
Last estimates confirmation: 2020/04/03
Last earnings filing: 2020/02/26
Last earnings reported: 2019/12/31
Last annual earnings reported: 2019/06/30


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.