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Zip Co Limited
Buy, Hold or Sell?

Let's analyse Zip together

PenkeI guess you are interested in Zip Co Limited. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Zip Co Limited. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of Zip (30 sec.)










What can you expect buying and holding a share of Zip? (30 sec.)

How much money do you get?

How much money do you get?
A$1.90
When do you have the money?
1 year
How often do you get paid?
50.0%

What is your share worth?

Current worth
A$0.19
Expected worth in 1 year
A$-0.74
How sure are you?
60.0%

+ What do you gain per year?

Total Gains per Share
A$1.99
Return On Investment
207.8%

For what price can you sell your share?

Current Price per Share
A$0.96
Expected price per share
A$0.66 - A$1.72
How sure are you?
50%
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1. Valuation of Zip (5 min.)




Live pricePrice per Share (EOD)

A$0.96

Intrinsic Value Per Share

A$-7.47 - A$-2.66

Total Value Per Share

A$-7.28 - A$-2.47

2. Growth of Zip (5 min.)




Is Zip growing?

Current yearPrevious yearGrowGrow %
How rich?$128.2m$284.4m-$156.2m-121.8%

How much money is Zip making?

Current yearPrevious yearGrowGrow %
Making money-$269m-$718.1m$449.1m166.9%
Net Profit Margin-59.7%-178.2%--

How much money comes from the company's main activities?

3. Financial Health of Zip (5 min.)




4. Comparing to competitors in the Credit Services industry (5 min.)




  Industry Rankings (Credit Services)  


Richest
#144 / 257

Most Revenue
#53 / 257

Most Profit
#257 / 257

Most Efficient
#229 / 257
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What can you expect buying and holding a share of Zip? (5 min.)

Welcome investor! Zip's management wants to use your money to grow the business. In return you get a share of Zip.

What can you expect buying and holding a share of Zip?

First you should know what it really means to hold a share of Zip. And how you can make/lose money.

Speculation

The Price per Share of Zip is A$0.96. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Zip.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Zip, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is A$0.19. Based on the TTM, the Book Value Change Per Share is A$-0.23 per quarter. Based on the YOY, the Book Value Change Per Share is A$-0.70 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is A$0.73 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Zip.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 A$% of Price per ShareA$% of Price per ShareA$% of Price per ShareA$% of Price per ShareA$% of Price per Share
Usd Eps-0.24-24.6%-0.24-24.6%-0.69-72.1%-0.27-28.3%-0.14-14.5%
Usd Book Value Change Per Share-0.15-15.7%-0.15-15.7%-0.46-47.7%0.022.6%0.011.3%
Usd Dividend Per Share0.4749.4%0.4749.4%0.7578.0%0.5051.8%0.2525.9%
Usd Total Gains Per Share0.3233.8%0.3233.8%0.2930.3%0.5254.4%0.2627.2%
Usd Price Per Share0.27-0.27-0.29-2.20-1.24-
Price to Earnings Ratio-1.13--1.13--0.41--118.84--79.05-
Price-to-Total Gains Ratio0.82-0.82-0.98-11.91--897.33-
Price to Book Ratio2.16-2.16-1.04-16.27-80.41-
Price-to-Total Gains Ratio0.82-0.82-0.98-11.91--897.33-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share0.623904
Number of shares1602
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.470.50
Usd Book Value Change Per Share-0.150.02
Usd Total Gains Per Share0.320.52
Gains per Quarter (1602 shares)519.12835.87
Gains per Year (1602 shares)2,076.493,343.50
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
13041-965206631861573333
26082-1929414263733146676
39123-28946218955947210019
412164-385882941274562913362
515205-4823103701593278616705
618246-5787124461911894320048
721287-67521452222304110023391
824329-77171659825491125726734
927370-86811867428677141530077
1030411-96462075031863157233420

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share0.01.00.00.0%0.03.00.00.0%0.05.00.00.0%0.010.00.00.0%0.014.00.00.0%
Book Value Change Per Share0.01.00.00.0%1.02.00.033.3%3.02.00.060.0%4.06.00.040.0%5.09.00.035.7%
Dividend per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%5.00.05.050.0%5.00.09.035.7%
Total Gains per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%6.04.00.060.0%7.07.00.050.0%
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Fundamentals of Zip

About Zip Co Limited

Zip Co Limited engages in the provision of digital retail finance and payments solutions to consumers, and small and medium sized merchants (SMEs) in Australia, New Zealand, Canada, and the United States. The company offers Buy Now Pay Later services, which offer line of credit and installment products to consumers through online and in-store. It also provides unsecured loans and lines of credit to SMEs. The company was formerly known as ZipMoney Limited and changed its name to Zip Co Limited in December 2017. Zip Co Limited was incorporated in 2009 and is headquartered in Sydney, Australia.

Fundamental data was last updated by Penke on 2024-02-26 14:38:03.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge loss.
Using its assets, the company is very inefficient in making profit.
Using its investors money, the company is very inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating very inefficient.
The company is less efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is underpriced.
Based on the earnings, the company is expensive.
Based on how much money comes from the company's main activities, the company is expensive.
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1.1. Profitability of Zip Co Limited.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Zip earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare Zip to the Credit Services industry mean.
  • A Net Profit Margin of -59.7% means that $-0.60 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Zip Co Limited:

  • The MRQ is -59.7%. The company is making a huge loss. -2
  • The TTM is -59.7%. The company is making a huge loss. -2
Trends
Current periodCompared to+/- 
MRQ-59.7%TTM-59.7%0.0%
TTM-59.7%YOY-178.2%+118.5%
TTM-59.7%5Y-91.1%+31.4%
5Y-91.1%10Y-319.4%+228.3%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ-59.7%15.6%-75.3%
TTM-59.7%15.0%-74.7%
YOY-178.2%19.0%-197.2%
5Y-91.1%17.1%-108.2%
10Y-319.4%16.6%-336.0%
1.1.2. Return on Assets

Shows how efficient Zip is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Zip to the Credit Services industry mean.
  • -12.3% Return on Assets means that Zip generated $-0.12 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Zip Co Limited:

  • The MRQ is -12.3%. Using its assets, the company is very inefficient in making profit. -2
  • The TTM is -12.3%. Using its assets, the company is very inefficient in making profit. -2
Trends
Current periodCompared to+/- 
MRQ-12.3%TTM-12.3%0.0%
TTM-12.3%YOY-32.6%+20.3%
TTM-12.3%5Y-14.2%+1.8%
5Y-14.2%10Y-36.7%+22.5%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ-12.3%0.9%-13.2%
TTM-12.3%0.9%-13.2%
YOY-32.6%1.0%-33.6%
5Y-14.2%0.9%-15.1%
10Y-36.7%0.9%-37.6%
1.1.3. Return on Equity

Shows how efficient Zip is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Zip to the Credit Services industry mean.
  • -209.7% Return on Equity means Zip generated $-2.10 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Zip Co Limited:

  • The MRQ is -209.7%. Using its investors money, the company is very inefficient in making profit. -2
  • The TTM is -209.7%. Using its investors money, the company is very inefficient in making profit. -2
Trends
Current periodCompared to+/- 
MRQ-209.7%TTM-209.7%0.0%
TTM-209.7%YOY-253.0%+43.3%
TTM-209.7%5Y-115.0%-94.8%
5Y-115.0%10Y-110.5%-4.5%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ-209.7%3.3%-213.0%
TTM-209.7%3.5%-213.2%
YOY-253.0%3.8%-256.8%
5Y-115.0%3.3%-118.3%
10Y-110.5%3.5%-114.0%
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1.2. Operating Efficiency of Zip Co Limited.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Zip is operating .

  • Measures how much profit Zip makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Zip to the Credit Services industry mean.
  • An Operating Margin of -12.1% means the company generated $-0.12  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Zip Co Limited:

  • The MRQ is -12.1%. The company is operating very inefficient. -2
  • The TTM is -12.1%. The company is operating very inefficient. -2
Trends
Current periodCompared to+/- 
MRQ-12.1%TTM-12.1%0.0%
TTM-12.1%YOY-28.2%+16.1%
TTM-12.1%5Y-34.8%+22.7%
5Y-34.8%10Y-307.3%+272.5%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ-12.1%19.5%-31.6%
TTM-12.1%17.3%-29.4%
YOY-28.2%28.2%-56.4%
5Y-34.8%21.3%-56.1%
10Y-307.3%23.0%-330.3%
1.2.2. Operating Ratio

Measures how efficient Zip is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Credit Services industry mean).
  • An Operation Ratio of 0.99 means that the operating costs are $0.99 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Zip Co Limited:

  • The MRQ is 0.995. The company is less efficient in keeping operating costs low.
  • The TTM is 0.995. The company is less efficient in keeping operating costs low.
Trends
Current periodCompared to+/- 
MRQ0.995TTM0.9950.000
TTM0.995YOY1.450-0.456
TTM0.9955Y1.189-0.194
5Y1.18910Y5.770-4.581
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9950.865+0.130
TTM0.9950.882+0.113
YOY1.4500.862+0.588
5Y1.1890.805+0.384
10Y5.7700.760+5.010
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1.3. Liquidity of Zip Co Limited.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Zip is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Credit Services industry mean).
  • A Current Ratio of 1.66 means the company has $1.66 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Zip Co Limited:

  • The MRQ is 1.665. The company is able to pay all its short-term debts. +1
  • The TTM is 1.665. The company is able to pay all its short-term debts. +1
Trends
Current periodCompared to+/- 
MRQ1.665TTM1.6650.000
TTM1.665YOY2.407-0.743
TTM1.6655Y8.453-6.789
5Y8.45310Y8.155+0.298
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ1.6652.750-1.085
TTM1.6653.020-1.355
YOY2.4072.520-0.113
5Y8.4534.010+4.443
10Y8.1554.188+3.967
1.3.2. Quick Ratio

Measures if Zip is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Zip to the Credit Services industry mean.
  • A Quick Ratio of 1.65 means the company can pay off $1.65 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Zip Co Limited:

  • The MRQ is 1.651. The company is very able to pay all its short-term debts with the most liquid assets. +2
  • The TTM is 1.651. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ1.651TTM1.6510.000
TTM1.651YOY2.362-0.710
TTM1.6515Y2.423-0.772
5Y2.42310Y5.960-3.537
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ1.6511.485+0.166
TTM1.6511.866-0.215
YOY2.3622.328+0.034
5Y2.4233.351-0.928
10Y5.9603.293+2.667
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1.4. Solvency of Zip Co Limited.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Zip assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Zip to Credit Services industry mean.
  • A Debt to Asset Ratio of 0.94 means that Zip assets are financed with 94.1% credit (debt) and the remaining percentage (100% - 94.1%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Zip Co Limited:

  • The MRQ is 0.941. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.941. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.941TTM0.9410.000
TTM0.941YOY0.871+0.070
TTM0.9415Y0.840+0.101
5Y0.84010Y0.616+0.225
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9410.725+0.216
TTM0.9410.714+0.227
YOY0.8710.716+0.155
5Y0.8400.707+0.133
10Y0.6160.695-0.079
1.4.2. Debt to Equity Ratio

Measures if Zip is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Zip to the Credit Services industry mean.
  • A Debt to Equity ratio of 1,601.3% means that company has $16.01 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Zip Co Limited:

  • The MRQ is 16.013. The company is unable to pay all its debts with equity. -1
  • The TTM is 16.013. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ16.013TTM16.0130.000
TTM16.013YOY6.751+9.262
TTM16.0135Y7.627+8.386
5Y7.62710Y5.557+2.070
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ16.0132.432+13.581
TTM16.0132.310+13.703
YOY6.7512.326+4.425
5Y7.6272.341+5.286
10Y5.5572.391+3.166
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2. Market Valuation of Zip Co Limited

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Zip generates.

  • Above 15 is considered overpriced but always compare Zip to the Credit Services industry mean.
  • A PE ratio of -1.13 means the investor is paying $-1.13 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Zip Co Limited:

  • The EOD is -2.643. Based on the earnings, the company is expensive. -2
  • The MRQ is -1.129. Based on the earnings, the company is expensive. -2
  • The TTM is -1.129. Based on the earnings, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD-2.643MRQ-1.129-1.514
MRQ-1.129TTM-1.1290.000
TTM-1.129YOY-0.413-0.715
TTM-1.1295Y-118.845+117.716
5Y-118.84510Y-79.050-39.795
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
EOD-2.6437.402-10.045
MRQ-1.1296.671-7.800
TTM-1.1296.801-7.930
YOY-0.4137.708-8.121
5Y-118.8459.075-127.920
10Y-79.05011.574-90.624
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Zip Co Limited:

  • The EOD is -3.992. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The MRQ is -1.705. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The TTM is -1.705. Based on how much money comes from the company's main activities, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD-3.992MRQ-1.705-2.287
MRQ-1.705TTM-1.7050.000
TTM-1.705YOY-0.584-1.121
TTM-1.7055Y-189.508+187.803
5Y-189.50810Y-297.382+107.874
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
EOD-3.992-0.782-3.210
MRQ-1.705-0.804-0.901
TTM-1.705-0.677-1.028
YOY-0.584-0.868+0.284
5Y-189.508-0.504-189.004
10Y-297.382-0.388-296.994
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2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Zip is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Credit Services industry mean).
  • A PB ratio of 2.16 means the investor is paying $2.16 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Zip Co Limited:

  • The EOD is 5.048. Based on the equity, the company is overpriced. -1
  • The MRQ is 2.156. Based on the equity, the company is underpriced. +1
  • The TTM is 2.156. Based on the equity, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD5.048MRQ2.156+2.892
MRQ2.156TTM2.1560.000
TTM2.156YOY1.043+1.113
TTM2.1565Y16.274-14.118
5Y16.27410Y80.415-64.140
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
EOD5.0480.920+4.128
MRQ2.1560.860+1.296
TTM2.1560.862+1.294
YOY1.0431.105-0.062
5Y16.2741.221+15.053
10Y80.4151.395+79.020
2. Total Gains per Share

3. Holders & Insider Transactions

Let's take a look at which institutions, funds and insiders are holding shares of Zip Co Limited.

3.1. Funds holding Zip Co Limited

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4. Summary

4.1. Key Performance Indicators

The key performance indicators of Zip Co Limited compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share---0.232-0.2320%-0.704+204%0.038-714%0.019-1338%
Book Value Per Share--0.1900.1900%0.422-55%0.402-53%0.204-7%
Current Ratio--1.6651.6650%2.407-31%8.453-80%8.155-80%
Debt To Asset Ratio--0.9410.9410%0.871+8%0.840+12%0.616+53%
Debt To Equity Ratio--16.01316.0130%6.751+137%7.627+110%5.557+188%
Dividend Per Share--0.7300.7300%1.152-37%0.765-5%0.383+91%
Eps---0.363-0.3630%-1.065+193%-0.419+15%-0.215-41%
Free Cash Flow Per Share---0.240-0.2400%-0.753+213%-0.370+54%-0.186-23%
Free Cash Flow To Equity Per Share---0.013-0.0130%0.037-134%0.233-105%0.130-110%
Gross Profit Margin--1.1011.1010%1.109-1%1.179-7%1.133-3%
Intrinsic Value_10Y_max---2.661--------
Intrinsic Value_10Y_min---7.475--------
Intrinsic Value_1Y_max---0.204--------
Intrinsic Value_1Y_min---0.660--------
Intrinsic Value_3Y_max---0.661--------
Intrinsic Value_3Y_min---2.071--------
Intrinsic Value_5Y_max---1.175--------
Intrinsic Value_5Y_min---3.570--------
Market Cap996316815.360+57%425510306.560425510306.5600%456645207.040-7%3520319414.272-88%1984528178.295-79%
Net Profit Margin---0.597-0.5970%-1.782+198%-0.911+53%-3.194+435%
Operating Margin---0.121-0.1210%-0.282+133%-0.348+187%-3.073+2440%
Operating Ratio--0.9950.9950%1.450-31%1.189-16%5.770-83%
Pb Ratio5.048+57%2.1562.1560%1.043+107%16.274-87%80.415-97%
Pe Ratio-2.643-134%-1.129-1.1290%-0.413-63%-118.845+10430%-79.050+6904%
Price Per Share0.960+57%0.4100.4100%0.440-7%3.392-88%1.912-79%
Price To Free Cash Flow Ratio-3.992-134%-1.705-1.7050%-0.584-66%-189.508+11016%-297.382+17344%
Price To Total Gains Ratio1.925+57%0.8220.8220%0.983-16%11.910-93%-897.333+109226%
Quick Ratio--1.6511.6510%2.362-30%2.423-32%5.960-72%
Return On Assets---0.123-0.1230%-0.326+165%-0.142+15%-0.367+197%
Return On Equity---2.097-2.0970%-2.530+21%-1.150-45%-1.105-47%
Total Gains Per Share--0.4990.4990%0.448+11%0.803-38%0.401+24%
Usd Book Value--128271412.900128271412.9000%284493075.100-55%271033716.939-53%137325089.082-7%
Usd Book Value Change Per Share---0.151-0.1510%-0.458+204%0.025-714%0.012-1338%
Usd Book Value Per Share--0.1240.1240%0.274-55%0.261-53%0.132-7%
Usd Dividend Per Share--0.4750.4750%0.749-37%0.497-5%0.249+91%
Usd Eps---0.236-0.2360%-0.692+193%-0.272+15%-0.139-41%
Usd Free Cash Flow---162211790.500-162211790.5000%-508177606.800+213%-249417981.589+54%-125622204.408-23%
Usd Free Cash Flow Per Share---0.156-0.1560%-0.490+213%-0.240+54%-0.121-23%
Usd Free Cash Flow To Equity Per Share---0.008-0.0080%0.024-134%0.151-105%0.084-110%
Usd Market Cap647506298.302+57%276539148.233276539148.2330%296773720.055-7%2287855587.335-88%1289744863.074-79%
Usd Price Per Share0.624+57%0.2660.2660%0.286-7%2.204-88%1.243-79%
Usd Profit---269048201.600-269048201.6000%-718199940.700+167%-289549006.725+8%-146834135.507-45%
Usd Revenue--450515229.300450515229.3000%402939949.700+12%254527312.117+77%128655200.492+250%
Usd Total Gains Per Share--0.3240.3240%0.291+11%0.522-38%0.261+24%
 EOD+6 -2MRQTTM+0 -0YOY+19 -175Y+13 -2310Y+12 -24

4.2. Fundamental Score

Let's check the fundamental score of Zip Co Limited based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-15-2.643
Price to Book Ratio (EOD)Between0-15.048
Net Profit Margin (MRQ)Greater than0-0.597
Operating Margin (MRQ)Greater than0-0.121
Quick Ratio (MRQ)Greater than11.651
Current Ratio (MRQ)Greater than11.665
Debt to Asset Ratio (MRQ)Less than10.941
Debt to Equity Ratio (MRQ)Less than116.013
Return on Equity (MRQ)Greater than0.15-2.097
Return on Assets (MRQ)Greater than0.05-0.123
Total3/10 (30.0%)

4.3. Technical Score

Let's check the technical score of Zip Co Limited based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5064.026
Ma 20Greater thanMa 500.852
Ma 50Greater thanMa 1000.710
Ma 100Greater thanMa 2000.542
OpenGreater thanClose0.885
Total4/5 (80.0%)



Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2019-06-302020-06-302021-06-302022-06-302023-06-30
Net Tangible Assets  65,93960,927126,86639,166166,032-144,39221,640-138,173-116,533



Latest Balance Sheet

Balance Sheet of 2023-06-30. Currency in AUD. All numbers in thousands.

Summary
Total Assets3,357,798
Total Liabilities3,160,427
Total Stockholder Equity197,371
 As reported
Total Liabilities 3,160,427
Total Stockholder Equity+ 197,371
Total Assets = 3,357,798

Assets

Total Assets3,357,798
Total Current Assets370,266
Long-term Assets2,987,532
Total Current Assets
Cash And Cash Equivalents 275,910
Short-term Investments 7,196
Net Receivables 77,062
Inventory -13,846
Total Current Assets  (as reported)370,266
Total Current Assets  (calculated)346,322
+/- 23,944
Long-term Assets
Property Plant Equipment 23,733
Goodwill 209,235
Long Term Investments 2,248
Intangible Assets 141,638
Long-term Assets Other 2,573,709
Long-term Assets  (as reported)2,987,532
Long-term Assets  (calculated)2,950,563
+/- 36,969

Liabilities & Shareholders' Equity

Total Current Liabilities222,445
Long-term Liabilities2,937,982
Total Stockholder Equity197,371
Total Current Liabilities
Accounts payable 63,710
Other Current Liabilities 158,735
Total Current Liabilities  (as reported)222,445
Total Current Liabilities  (calculated)222,445
+/-0
Long-term Liabilities
Long term Debt 2,918,376
Capital Lease Obligations Min Short Term Debt17,717
Other Liabilities 1,049
Long-term Liabilities Other 1,889
Long-term Liabilities  (as reported)2,937,982
Long-term Liabilities  (calculated)2,939,031
+/- 1,049
Total Stockholder Equity
Common Stock2,121,541
Retained Earnings -2,197,187
Accumulated Other Comprehensive Income 158,551
Other Stockholders Equity 38,677
Total Stockholder Equity (as reported)197,371
Total Stockholder Equity (calculated)121,582
+/- 75,789
Other
Capital Stock2,236,007
Cash and Short Term Investments 283,106
Common Stock Shares Outstanding 720,403
Liabilities and Stockholders Equity 3,357,798
Net Debt 2,660,183
Net Invested Capital 3,115,747
Net Tangible Assets -116,533
Net Working Capital 147,821
Property Plant and Equipment Gross 23,733
Short Long Term Debt Total 2,936,093



Balance Sheet

Currency in AUD. All numbers in thousands.

 Trend2023-06-302022-06-302021-06-302020-06-302019-06-302018-06-302017-06-302016-06-302015-06-302014-06-302013-06-302012-06-302011-06-302010-06-30
> Total Assets 
8,010
5,597
4,657
3,808
1,924
1,358
48,311
174,551
1,670
685,162
1,332,033
3,394,625
3,386,159
3,357,798
3,357,7983,386,1593,394,6251,332,033685,1621,670174,55148,3111,3581,9243,8084,6575,5978,010
   > Total Current Assets 
4,691
2,288
1,377
452
390
1,358
7,218
19,609
1,670
672,254
41,095
364,427
376,394
370,266
370,266376,394364,42741,095672,2541,67019,6097,2181,3583904521,3772,2884,691
       Cash And Cash Equivalents 
4,639
2,254
1,280
409
322
1,322
7,089
19,214
1,643
12,611
32,712
330,201
299,695
275,910
275,910299,695330,20132,71212,6111,64319,2147,0891,3223224091,2802,2544,639
       Short-term Investments 
0
0
0
0
0
0
0
0
1,209
1,179
1,507
1,507
3,864
7,196
7,1963,8641,5071,5071,1791,20900000000
       Net Receivables 
53
34
97
42
69
36
129
395
10
10,920
6,876
32,719
61,830
77,062
77,06261,83032,7196,87610,92010395129366942973453
       Other Current Assets 
0
0
0
0
0
0
0
0
17
18
-1,157,713
-2,294,876
11,005
-2,941,556
-2,941,55611,005-2,294,876-1,157,713181700000000
   > Long-term Assets 
3,319
3,309
3,281
3,356
1,533
0
41,093
154,942
13,581
12,909
1,290,938
3,030,198
3,009,765
2,987,532
2,987,5323,009,7653,030,1981,290,93812,90913,581154,94241,09301,5333,3563,2813,3093,319
       Property Plant Equipment 
3,319
3,309
3,281
3,356
1,533
26
72
502
3,241
2,547
11,672
9,143
9,059
23,733
23,7339,0599,14311,6722,5473,24150272261,5333,3563,2813,3093,319
       Goodwill 
0
0
0
0
0
0
0
4,548
4,548
4,548
53,441
788,934
222,744
209,235
209,235222,744788,93453,4414,5484,5484,5480000000
       Long Term Investments 
0
0
0
0
0
0
0
0
0
0
84,114
26,040
70,741
2,248
2,24870,74126,04084,1140000000000
       Intangible Assets 
0
0
0
0
0
775
1,530
6,060
61
5,813
25,093
207,733
192,350
141,638
141,638192,350207,73325,0935,813616,0601,53077500000
       Other Assets 
0
0
0
0
0
2,830
0
0
8,658
6,436
8,400
10,312
0
36,969
36,969010,3128,4006,4368,658002,83000000
> Total Liabilities 
284
170
149
583
229
79
36,611
162,926
145
608,863
1,126,633
2,226,249
2,948,410
3,160,427
3,160,4272,948,4102,226,2491,126,633608,863145162,92636,61179229583149170284
   > Total Current Liabilities 
284
170
149
583
229
79
4,299
2,699
145
21,417
22,286
73,453
156,362
222,445
222,445156,36273,45322,28621,4171452,6994,29979229583149170284
       Short-term Debt 
0
0
0
478
0
4,555
31,047
160,257
289,724
0
0
0
0
0
00000289,724160,25731,0474,5550478000
       Short Long Term Debt 
0
0
0
0
0
4,555
31,047
160,257
289,724
0
0
0
0
0
00000289,724160,25731,0474,55500000
       Accounts payable 
221
77
104
15
39
164
1,913
1,094
103
19,658
19,533
67,419
37,606
63,710
63,71037,60667,41919,53319,6581031,0941,913164391510477221
       Other Current Liabilities 
64
94
45
90
190
12
2,386
1,606
42
1,760
2,753
6,034
118,756
158,735
158,735118,7566,0342,7531,760421,6062,3861219090459464
   > Long-term Liabilities 
0
0
0
0
0
0
32,311
160,227
290,902
587,445
1,104,347
2,152,796
2,792,048
2,937,982
2,937,9822,792,0482,152,7961,104,347587,445290,902160,22732,311000000
       Long term Debt Total 
0
0
0
0
0
0
0
159,323
289,724
587,445
1,090,368
1,665,529
0
0
001,665,5291,090,368587,445289,724159,3230000000
       Capital Lease Obligations Min Short Term Debt
0
0
0
-478
0
-4,555
-31,047
-160,257
-289,724
0
8,414
6,296
4,039
17,717
17,7174,0396,2968,4140-289,724-160,257-31,047-4,5550-478000
       Long-term Liabilities Other 
0
0
0
0
0
0
0
337
0
0
13,979
6,990
26,184
1,889
1,88926,1846,99013,979003370000000
> Total Stockholder Equity
7,726
5,427
4,509
3,225
1,694
1,278
11,701
11,625
1,524
76,300
205,400
1,168,376
436,734
197,371
197,371436,7341,168,376205,40076,3001,52411,62511,7011,2781,6943,2254,5095,4277,726
   Common Stock
8,581
8,581
9,604
9,830
10,671
11,854
19,410
37,067
14,052
141,211
274,151
1,688,785
2,041,496
2,121,541
2,121,5412,041,4961,688,785274,151141,21114,05237,06719,41011,85410,6719,8309,6048,5818,581
   Retained Earnings -2,197,187-1,871,613-741,469-88,372-68,431-12,528-29,777-7,709-11,109-9,363-6,980-5,444-3,483-1,172
   Accumulated Other Comprehensive Income 
317
329
349
374
386
533
0
4,336
4,379
3,520
19,621
106,594
152,385
158,551
158,551152,385106,59419,6213,5204,3794,3360533386374349329317
   Capital Surplus 00000000000000
   Treasury Stock00-10,43800000000000



Balance Sheet

Currency in AUD. All numbers in thousands.




Cash Flow

Currency in AUD. All numbers in thousands.




Income Statement

Currency in AUD. All numbers in thousands.