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Zip Co Q1 2026 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 TU earnings summary19 Oct, 2025
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.
Reason for US credit reporting revision?
Reconcile ANZ active customer decline with TTV growth.
What is the strategy behind Pay-in-2 pilot?
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AGM 20255 Nov, 2025
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Frequently asked questions
Zip Co Limited provides point-of-sale credit, digital retail finance, and payments solutions to consumers, and small and medium sized merchants (SMEs) in Australia, the United Kingdom, the United States, New Zealand, Mexico, and Canada. The company offers Zip Business for online and offline businesses; Zip Money, a personal line of credit that allows customers to pay later for their purchases with flexible interest-free repayments; and Zip Pay, an account that allows users to spend up to an approved credit limit.
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