Zip reaffirmed its fiscal 2027 cash EBTDA guidance of AUD 340 million, despite a hit from an external fraud event in the US, higher US bad debts, and rising funding costs. First-quarter cash EBTDA rose 3% to AUD 65 million, or nearly 20% excluding AUD 10 million of fraud costs. Shares fell 29%.
Zip may scale fast in the US and build a strong enough network that it can maintain its market share in its target market for customers and merchants against larger BNPL providers.
Stricter credit regulations on BNPL could make it tougher to sign new customers and impede the company’s revenue growth.
|
Metric
|
ZIP
|
KLAR
|
PYPL
|
|---|---|---|---|
Price/Earnings (Normalized) | 13.90 | 89.04 | 10.60 |
Price/Book Value | 3.15 | 1.97 | 2.41 |
Price/Sales | 1.63 | 1.17 | 1.47 |
Price/Cash Flow | — | 2.33 | 6.85 |
|
Metric
|
ZIP
|
KLAR
|
PYPL
|
|---|---|---|---|
Quick Ratio | 1.17 | 1.01 | 1.23 |
Current Ratio | 1.21 | 1.01 | 1.26 |
Interest Coverage | 1.65 | 0.92 | 11.80 |
|
Metric
|
ZIP
|
KLAR
|
PYPL
|
|---|---|---|---|
Return on Assets (Normalized) | 3.53% | 0.50% | 7.46% |
Return on Equity (Normalized) | 19.56% | 3.86% | 30.28% |
Return on Invested Capital (Normalized) | 9.59% | 15.28% | 19.29% |
|
1-Day Chart
|
Name
|
Price
|
Morningstar Rating for Stocks
|
Capital Allocation
|
Economic Moat
|
Market Cap
|
|---|---|---|---|---|---|---|
| Visa Inc Class A
V
| LOCK|L$TQmT | LOCK|D!# | $751B | |||
| Mastercard Inc Class A
MA
| LOCK|v%&m$CY | LOCK|&gz | $534B | |||
| American Express Co
AXP
| LOCK|@?kP%# | LOCK|b@& | $210B | |||
| Capital One Financial Corp
COF
| LOCK|#<j^jS | LOCK|&sJyz | $125B | |||
| PayPal Holdings Inc
PYPL
| LOCK|?P>>d@ | LOCK|c>N$ | $47B | |||
| Affirm Holdings Inc Ordinary Shares - Class A
AFRM
| LOCK|<cF@<rQ | LOCK|P%!!$ | $25B | |||
| Synchrony Financial
SYF
| LOCK|K?^Rx? | LOCK|p< | $24B | |||
| SoFi Technologies Inc Ordinary Shares
SOFI
| LOCK|WMJlb&@ | LOCK|!Z&q | $21B | |||
| Ally Financial Inc
ALLY
| LOCK|s$w&zZ& | LOCK|br | $12B | |||
| Klarna Group PLC
KLAR
| LOCK|>fH$?dw | LOCK|$MFNM | $5B |
United States