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Zip Co (ZIP) investor relations material
Zip Co H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2025 earnings summary22 Aug, 2025
Executive summary
Achieved record financial performance with cash earnings up 147% year-over-year to $170.3M, total income surpassing $1B, and operating margin nearly doubling to 15.8%, driven by disciplined execution and strong customer engagement.
U.S. business delivered over 100% cash earnings growth, now representing over 80% of divisional cash earnings, with TTV up 43.9% and cash EBTDA up 105.3% year-over-year.
ANZ returned to TTV growth, launched new products, and maintained strong credit performance.
Customer base grew to 6.3M, with transaction volume up 30.3% to $13.1B and average spend and transactions per customer increasing.
Considering a dual listing on NASDAQ to support growth and investor interest in the U.S.
Financial highlights
TTV reached $13.1B (+30.3% YoY), total income $1,081.1M (+23.5% YoY), and cash gross profit $509M (+34% YoY).
Revenue margin was 8.3%, with U.S. now representing 71% of TTV; margin decreased 45bps YoY due to higher U.S. contribution.
Net bad debts improved to 1.5% of TTV, the lowest in two years, and cash net transaction margin increased by 11bps to 3.9%.
Statutory net profit after tax was £79.9M; underlying net profit after tax was $49.7M after adjusting for one-off items.
Interest expense reduced to 1.6% of TTV.
Outlook and guidance
FY26 revenue as a percentage of TTV expected to be around 8%, with U.S. TTV growth of at least 35% in USD terms.
Cash net transaction margin guidance increased to 3.8–4.2% for FY26.
Upgraded operating margin expectations to 16–19% for FY26.
Cash EBITDA as a percentage of TTV expected to exceed FY25's 1.3%.
Continued investment in innovation, AI, and new product launches, with measured opex and capital management.
How will U.S. bad debt reporting evolve?
What are the next steps for NASDAQ dual listing?
Detail FY26 OpEx investment areas.
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Next Zip Co earnings date
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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