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Zip Co (ZIP) investor relations material
Zip Co Q1 2026 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
- Achieved record cash EBTDA of $62.8m, up 98.1% year-over-year, with strong operating leverage and disciplined execution driving operating margin to 19.5% from 13.1% in 1Q25. 
- Total transaction volume (TTV) reached $3.9b, up 38.7% year-over-year, and total income grew 32.8% to $321.5m. 
- Active customers increased 5.3% to 6.4m, and merchants on the platform rose 9.1% to 87.5k. 
Financial highlights
- Revenue for 1Q26 was $318.5m, up 32.8% year-over-year and 11.3% sequentially; US revenue grew 55.1% year-over-year to $213.1m, ANZ revenue up 2.9% to $105.4m. 
- TTV in the US rose 51.0% year-over-year to $2,934.1m, while ANZ TTV increased 11.1% to $968.4m. 
- Transactions totaled 26.0m, up 21.9% year-over-year; US transactions up 33.0%, ANZ up 11.7%. 
- Net bad debts as a percentage of TTV remained stable at 1.6% year-over-year. 
- Cash net transaction margin (NTM) improved to 4.0% from 3.9% in 1Q25. 
Outlook and guidance
- Upgraded FY26 US TTV growth expectation to above 40% (in USD), with other FY26 targets reconfirmed. 
- Continued focus on growth, engagement, product innovation, and platform scalability. 
- Considering a dual listing on Nasdaq, subject to board and regulatory approvals. 
Next Zip Co earnings date

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