About Zip Co Limited (ZIP)
Zip Co Limited is a Credit Services company operating in the Financial Services sector. The company is headquartered in Sydney, Australia. ZIP has been publicly traded since 2009, giving it 17+ years of trading history.
Zip Co Limited (ZIP) has been publicly traded since 2009, making it a 17-year-old public company. It operates in the Credit Services industry within the Financial Services sector. The company is headquartered in Sydney, Australia. With a market capitalization of A$2.1 billion, ZIP is a mid-sized company with growth potential.
ZIP trades on the Australian Securities Exchange and is classified as a mid-cap-cap stock with a market capitalization of approximately A$2.1 billion.
Key Statistics
- Current Price
- A$1.62
- Market Cap
- A$2.06B
- 52-Week High
- A$4.93
- 52-Week Low
- A$1.09
- Sector
- Financial Services
- Industry
- Credit Services
ZIP Investment Performance
ZIP has declined 50.8% year-to-date in 2026. Over the past 5 years, a A$1,000 investment in ZIP would have grown to A$220, representing a -78.0% total return. Since its IPO in 2009, a A$1,000 investment would now be worth A$1,019.
A$1,000 Invested in Zip Co Limited (ZIP)
How much would A$1,000 invested in ZIP be worth today?
What would A$1,000 invested in ZIP 1 year ago be worth today?
A A$1,000 investment in Zip Co Limited (ZIP) in 2025 would be worth A$1,006 as of March 2026, representing a +0.6% total return.
What would A$1,000 invested in ZIP 3 years ago be worth today?
A A$1,000 investment in Zip Co Limited (ZIP) in 2023 would be worth A$2,894 as of March 2026, representing a +189.4% total return.
What would A$1,000 invested in ZIP 5 years ago be worth today?
A A$1,000 investment in Zip Co Limited (ZIP) in 2021 would be worth A$220 as of March 2026, representing a -78.0% total return.
What would A$1,000 invested in ZIP 10 years ago be worth today?
A A$1,000 investment in Zip Co Limited (ZIP) in 2016 would be worth A$3,523 as of March 2026, representing a +252.3% total return.
What would A$1,000 invested in ZIP at IPO be worth today?
A A$1,000 investment in Zip Co Limited (ZIP) at IPO would be worth A$1,019 as of March 2026, representing a +1.9% total return.
Monthly Returns Heatmap
Over the past 16+ years (195 months), Zip Co Limited (ZIP) has averaged a monthly return of +3.84% with a median return of +0.00%. The stock had 94 positive months (48%) and 92 negative months (47%). The best month in ZIP's history was July 2022 with a +157.9% return, while the worst was June 2022 at -51.9%. Historically, July tends to be the strongest month (averaging +26.6%), and May the weakest (-6.7%).
ZIP's longest winning streak was 8 consecutive months of gains, while its longest losing streak was 9 consecutive months of losses. The best full year was 2015 with a cumulative return of +210.9%, and the worst was 2022 at -91.4%.
Annual Returns
Over 17 years of trading history, Zip Co Limited (ZIP) has delivered an average annual return of +46.03% with a median return of +3.70%. The compound annual growth rate (CAGR) is +0.11%. The stock posted gains in 9 years (53%) and losses in 8 years (47%).
ZIP's best year was 2024 with a +366.14% gain, while the worst was 2022 at -88.22%. The longest streak of consecutive positive years was 3, and the longest losing streak was 3 years. ZIP achieved double-digit gains (10%+) in 8 years. It suffered double-digit losses in 7 years.
| Year | Return | Start | End |
|---|---|---|---|
| 2026 | -50.76% | A$3.29 | A$1.62 |
| 2025 | +11.15% | A$2.96 | A$3.29 |
| 2024 | +366.14% | A$0.63 | A$2.96 |
| 2023 | +24.51% | A$0.51 | A$0.63 |
| 2022 | -88.22% | A$4.33 | A$0.51 |
| 2021 | -18.15% | A$5.29 | A$4.33 |
| 2020 | +49.44% | A$3.54 | A$5.29 |
| 2019 | +224.77% | A$1.09 | A$3.54 |
| 2018 | +55.71% | A$0.70 | A$1.09 |
| 2017 | -6.67% | A$0.75 | A$0.70 |
| 2016 | +76.47% | A$0.43 | A$0.75 |
| 2015 | +334.36% | A$0.10 | A$0.43 |
| 2014 | -40.92% | A$0.17 | A$0.10 |
| 2013 | -54.55% | A$0.36 | A$0.17 |
| 2012 | -60.71% | A$0.93 | A$0.36 |
| 2011 | +3.70% | A$0.89 | A$0.93 |
| 2010 | -43.75% | A$1.59 | A$0.89 |
ZIP Investment Analysis: Valuation, Risk & Dividends
Key factors to consider when evaluating Zip Co Limited as an investment
Valuation
ZIP currently trades at a trailing P/E ratio of 20.2, which is considered moderate relative to the broader market. The forward P/E of 12.1 suggests analysts expect earnings to be lower in the coming year. The price-to-book ratio stands at 3.1. The price-to-sales ratio is 1.7.
Dividends
Zip Co Limited does not currently pay a dividend, choosing to reinvest earnings back into the business for growth.
Risk & Volatility
ZIP has a beta of 3.24, indicating it is significantly more volatile than the overall market. The stock's 52-week range is A$1.08 to A$4.93, and it currently trades near its 52-week low.
Analyst Ratings
Based on 10 analyst opinions, ZIP has a consensus "strong_buy" rating. The average price target of A$4.07 suggests 151.4% upside from current levels.
Frequently Asked Questions: ZIP
What sector is ZIP in? ▼
ZIP operates in the Financial Services sector, specifically in the Credit Services industry. This sector includes banks, insurance companies, asset managers, and fintech companies.
How has ZIP performed historically? ▼
Over 17 years of trading history, ZIP has posted gains in 9 years (53% of the time). The best year was 2024 with a +366.1% return. Past performance does not guarantee future results.
How can I invest in ZIP? ▼
You can invest in ZIP through any brokerage account that offers access to the Australian Securities Exchange. Popular options include commission-free brokers like Fidelity, Charles Schwab, or Robinhood (US), or international brokers like Interactive Brokers. You can buy individual shares or invest through ETFs that hold ZIP.
Does ZIP pay dividends? ▼
Zip Co Limited does not currently pay a dividend, choosing to reinvest earnings back into the business for growth.
What does Zip Co Limited do? ▼
Zip Co Limited is a Credit Services company operating in the Financial Services sector. The company is headquartered in Sydney, Australia.
What sector is ZIP in? ▼
ZIP operates in the Financial Services sector, specifically in the Credit Services industry.
When did ZIP go public? ▼
Zip Co Limited went public in 2009, making it a 17-year-old public company as of 2026.
How much would A$1,000 invested in ZIP 5 years ago be worth today? ▼
A A$1,000 investment in ZIP five years ago would be worth approximately A$220 today, representing a -78.0% return.
How much would A$1,000 invested in ZIP 10 years ago be worth today? ▼
A A$1,000 investment in ZIP ten years ago would be worth approximately A$3,523 today, representing a 252.3% total return over the decade.
What is ZIP's 3-year return? ▼
Over the past 3 years, ZIP has returned 189.4%. A A$1,000 investment would have grown to A$2,894.
How much would A$1,000 invested in ZIP at IPO be worth today? ▼
If you invested A$1,000 in ZIP at its IPO in 2009, it would be worth approximately A$1,019 today, a 1.9% return over 17 years.
Does ZIP pay dividends? ▼
No, Zip Co Limited does not currently pay a dividend. The company reinvests its earnings into growth.
What is ZIP's market cap? ▼
Zip Co Limited has a market capitalization of A$2.1 billion, classifying it as a mid-cap company.
What is ZIP's P/E ratio? ▼
ZIP has a trailing P/E ratio of 20.2 and a forward P/E of 12.1, which measures how much investors are paying per dollar of earnings.
Is ZIP a buy, hold, or sell? ▼
Based on 10 opinions, ZIP has a consensus "strong_buy" rating. The average price target is A$4.07.
Last updated: 3/15/2026