Zip Co Ltd. (YRRA) Stock Price & Analysis
YRRA Stock Chart & Stats
- Day’s Range
- EUR 1.09 - EUR 1.09
- 52-Week Range
- EUR 0.85 - EUR 2.18
- Previous Close
- EUR 1.13
- Volume
- 0
- Average Volume (3M)
- 0
- Market Cap
- EUR 1.40B
- Enterprise Value
- EUR 6.44B
- Total Cash (Recent Filing)
- EUR 432.13M
- Total Debt (Recent Filing)
- EUR 2.76B
- Price to Earnings (P/E)
- 19.5
- Beta
- 1.49
- Next Earnings
- Feb 24, 2027 (Est.)
- EPS Estimate
- 0.04
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- N/A
Bulls Say, Bears Say
Bulls Say
Platform Growth And Scale
Strong transaction, customer and merchant growth indicates expanding platform relevance and network scale. A larger ecosystem can deepen engagement, support recurring payment volume, improve merchant reach and provide a durable base for revenue growth over the next several quarters.
Profitability And Operating Leverage
Material margin expansion alongside continued growth suggests Zip is converting scale into stronger economics. If disciplined cost control persists, improved operating leverage can support sustained cash earnings growth and provide greater resilience against funding and credit-cost pressure.
Unit Economics And Funding Progress
Higher cash gross profit and a solid net transaction margin support the core economics of the payments platform. Funding diversification, receivables refinancing and lower Australian funding costs can improve scalability and reduce pressure on future profitability when transaction volume expands.
Bears Say
High Leverage
An aggressive capital structure reduces financial flexibility for a credit services business. High leverage increases sensitivity to funding conditions and credit performance, potentially constraining investment, limiting balance-sheet capacity and amplifying downside if portfolio losses rise.
Weak Cash Conversion
Negative operating and free cash flow shows that reported earnings are not consistently converting into cash. If sustained, this can pressure liquidity, increase reliance on external funding and reduce the company’s ability to finance growth or absorb unexpected credit and funding costs internally.
Funding And Interest-rate Sensitivity
Zip’s reliance on funded receivables leaves earnings exposed to changes in interest rates and debt-market pricing. Refinancing execution and the eventual cost of ABS funding will influence transaction margins, cash profitability and the company’s ability to scale without added financial pressure.
Zip Co Ltd. News
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Zip Co Ltd. Stock Smart Score
Company Description
Zip Co Ltd.
Zip Co Limited delivers digital financial and payment solutions to a diverse client base, including individual consumers and small-to-medium sized businesses (SMEs). Its extensive global presence spans Australia, Canada, the Czech Republic, Mexico, New Zealand, Poland, Saudi Arabia, Singapore, South Africa, Turkey, the United Arab Emirates, the United Kingdom, and the United States. The company's operations are organized into five primary segments: APAC, Americas, EMEA, Zip Business, and Corporate. For SMEs, Zip Co offers unsecured loans and revolving lines of credit. Consumers, on the other hand, benefit from its Buy Now Pay Later (BNPL) services, providing credit lines and installment payment options for both online and brick-and-mortar transactions. Founded in 2009, the Sydney, Australia-headquartered firm was originally named ZipMoney Limited before adopting its current designation in December 2017.
- Sector
- Financial
- Industry
- Financial - Credit Services
- CEO
- Cynthia Scott
- Employees
- 877
- Website
- zip.co
- Address
- 180 George Street, Sydney, NSW, 2000, AU
Zip Co Ltd. (YRRA) Earnings & Revenues
YRRA Earnings Call
Earnings Call SentimentPositive
The call highlighted many strong operational and financial achievements: double‑digit growth across key top‑line metrics, notable margin expansion (420 bps to 20%), record cash earnings (+58% to $269M), and pronounced U.S. outperformance (TTV +42.5%, revenue +44%, U.S. operating margin 25%). Management also emphasized AI adoption, product innovation and active capital returns (completed $150M buybacks and announced further buybacks). Offsets include the strategic wind‑down of New Zealand, some ANZ provisioning overlay due to macro uncertainty, interest rate/funding sensitivity and the early stage of several new product initiatives (e.g., Pay‑in‑2). Overall, positives (strong growth, profitability, funding progress and capital returns) materially outweigh the challenges, though execution and macro risks remain monitored.
View all DE:YRRA earnings summariesYRRA Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 4 | 5 | 13 |
| Technical Analysis | 3 | 5 | 2 |
| Moving Averages | 1 | 0 | 11 |
