Zip Co (ASX:ZIP) Valuation Check As Half Year Results And Possible U S Listing Draw Closer

Simply Wall St.01-14

Zip Co (ASX:ZIP) is back in focus as investors look ahead to its half year results on 19 February and weigh the company’s plans for U.S. growth, including a potential secondary listing. See our latest...

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See our latest...</p>\n\n<a href=\"https://simplywall.st/stocks/au/diversified-financials/asx-zip/zip-co-shares/news/zip-co-asxzip-valuation-check-as-half-year-results-and-possi\">Source Link</a>\n\n</div>\n","source":"simplywall_highlight","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Zip Co (ASX:ZIP) Valuation Check As Half Year Results And Possible U S Listing Draw Closer</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nZip Co (ASX:ZIP) Valuation Check As Half Year Results And Possible U S Listing Draw Closer\n</h2>\n\n<h4 class=\"meta\">\n\n\n2026-01-14 12:50 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://simplywall.st/stocks/au/diversified-financials/asx-zip/zip-co-shares/news/zip-co-asxzip-valuation-check-as-half-year-results-and-possi><strong>Simply Wall St.</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Zip Co (ASX:ZIP) is back in focus as investors look ahead to its half year results on 19 February and weigh the company’s plans for U.S. growth, including a potential secondary listing. See our latest...</p>\n\n<a href=\"https://simplywall.st/stocks/au/diversified-financials/asx-zip/zip-co-shares/news/zip-co-asxzip-valuation-check-as-half-year-results-and-possi\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"BK7093","symbol_name":"消费信贷","start_time":0,"source_url":"https://simplywall.st/stocks/au/diversified-financials/asx-zip/zip-co-shares/news/zip-co-asxzip-valuation-check-as-half-year-results-and-possi","article_id":"2603948306","we_media_id":null,"thumbnails":["https://images.simplywall.st/asset/industry/7121000-choice1-main-header/1585186619635"],"rights":{"source":"simplywall_highlight","url":"https://simplywall.st/stocks/au/diversified-financials/asx-zip/zip-co-shares/news/zip-co-asxzip-valuation-check-as-half-year-results-and-possi","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2603948306","pubTimestamp":1768366202,"columns":[],"sourceInfo":{"source_id":"simplywall_highlight","name":"Simply Wall St."},"weMediaInfo":null,"summary":"Zip Co (ASX:ZIP) is back in focus as investors look ahead to its half year results on 19 February and weigh the company’s plans for U.S. growth, including a potential secondary listing.\nSee our latest analysis for Zip Co.\nThe recent focus on half year results and potential U.S. listing plans comes after a mixed period for investors, with a 90 day share price return of a 29.31% decline but a 1 year total shareholder return of 13.10%. The 3 year total shareholder return is very large and the 5...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"BK7093":"消费信贷","ZIP":"ZipRecruiter Inc.","BK4077":"互动媒体与服务","BK4539":"次新股","ZIP.AU":"Zip Co Ltd"},"translate_title":"随着半年业绩和可能在美国上市的临近，Zip Co(ASX：ZIP)估值检查","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"ZIP":1.5,"ZIP.AU":1.5},"content_text":"Zip Co (ASX:ZIP) is back in focus as investors look ahead to its half year results on 19 February and weigh the company’s plans for U.S. growth, including a potential secondary listing. See our latest analysis for Zip Co. The recent focus on half year results and potential U.S. listing plans comes after a mixed period for investors, with a 90 day share price return of a 29.31% decline but a 1 year total shareholder return of 13.10%. The 3 year total shareholder return is very large and the 5 year total shareholder return reflects a 44.22% loss. If Zip’s U.S. ambitions have you thinking more broadly about growth stories, it could be a good moment to check out other fast growing stocks with high insider ownership. With Zip trading at A$3.28, a value score of 1 and analysts’ average price target at A$5.10, the key question is whether the recent gains and past volatility leave upside on the table or whether the market is already pricing in future growth. AdvertisementMost Popular Narrative: 36% Undervalued With Zip Co last closing at A$3.28 against a narrative fair value of about A$5.10, the key question is how that valuation is being justified. Scaling distribution through partnerships and embedded finance with major merchants and platforms (such as Google Pay, Stripe, and large retailers in key verticals) is decreasing customer acquisition costs and increasing take rates, which should drive further operating leverage and higher earnings. Read the complete narrative. Curious what kind of revenue trajectory and profit margins need to hold for that valuation to stack up? The core of this narrative combines faster top line growth, higher profitability, and a richer future earnings multiple than the broader consumer finance space. Want to see exactly how those assumptions fit together and what they imply for Zip’s U.S. push? Result: Fair Value of A$5.10 (UNDERVALUED) Have a read of the narrative in full and understand what's behind the forecasts. However, that upside story can quickly change if regulatory scrutiny lifts compliance costs faster than expected or if US focused growth keeps pressure on group margins. Find out about the key risks to this Zip Co narrative. Another View: What The Current P/E Is Saying While the analyst narrative suggests upside, Zip’s current P/E of 52.2x paints a tougher picture. It is far higher than both the Australian Consumer Finance peer average of 11.6x and the global industry at 12.4x, and also above a fair ratio of 28.8x. In plain terms, the market is already paying a premium for Zip that is well above peers and the fair ratio the market could move towards. This increases the risk that any disappointment on earnings or growth assumptions could hit the share price. Do you think Zip’s story is strong enough to keep that premium intact? See what the numbers say about this price — find out in our valuation breakdown. ASX:ZIP P/E Ratio as at Jan 2026 Build Your Own Zip Co Narrative If you look at the data and come to a different conclusion, or just prefer to build your own view, you can create a personalised Zip Co story in a few minutes: Do it your way. A great starting point for your Zip Co research is our analysis highlighting 3 key rewards and 1 important warning sign that could impact your investment decision. Looking for more investment ideas? If Zip has sharpened your thinking, do not stop here. Casting a wider net across different themes can help you spot opportunities you might otherwise miss.  Target potential mispricings by scanning these 884 undervalued stocks based on cash flows that combine solid fundamentals with prices that may not fully reflect their underlying cash flows. Ride long term tech trends by checking out these 25 AI penny stocks that are building tools and platforms around artificial intelligence. Boost your income focus by reviewing these 13 dividend stocks with yields > 3% that offer yields above 3% while still giving you plenty of choice.   This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.Valuation is complex, but we're here to simplify it.Discover if Zip Co might be undervalued or overvalued with our detailed analysis, featuring fair value estimates, potential risks, dividends, insider trades, and its financial condition.Access Free AnalysisHave feedback on this article? Concerned about the content? Get in touch with us directly. 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