ZIP PEER ANALYSIS

ZIP Co Ltd — metric-by-metric comparison with peers and the industry median

ZIPZIP Co Ltd

🇦🇺 Australia · AU · Financial Services · Credit Services

Value it Duel

Overall Profile & Returns

· Credit Services

Position Within Industry

0 = weak quartile, 100 = strong quartile

ZIPIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	ZIP	EZPW	AGM	WU	UPST	ECPG	Ind. Median
P/E	38.55	20.25	13.13	5.76●	68.22	6.83	16.27
P/B	6.34	2.65	1.51●	2.79	4.60	1.95	2.03
EV/EBITDA	34.52	13.30	132.17	2.52●	60.08	8.30	15.83
P/S	—	—	—	—	—	—	—

Financial Health
Metric	ZIP	EZPW	AGM	WU	UPST	ECPG	Ind. Median
Current Ratio	788.09●	4.71	0.21	1.02	4.03	0.33	1.20
Debt/Equity	383.4%	71.3%●	2,010.0%	288.1%	269.8%	389.8%	116.1%
NetDebt/EBITDA	11.13	1.73	122.35	-0.34●	14.24	5.42	2.39

Profitability
Metric	ZIP	EZPW	AGM	WU	UPST	ECPG	Ind. Median
Net Margin	8.9%	9.9%	16.0%	10.9%	4.2%	16.0%●	10.0%
ROE	15.9%	14.9%	13.4%	47.7%●	7.0%	32.0%	13.4%
ROA	2.9%	7.4%●	0.6%	5.4%	1.9%	5.7%	2.9%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	ZIP	EZPW	AGM	WU	UPST	ECPG	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	—	63.7%●	6.8%	-51.8%	—	—	19.9%
Div. Yield	—	0.1%	3.0%	12.0%●	—	—	1.2%
Payout	—	2.4%	42.3%	69.4%	—	—	16.3%

Valuation
Metric	ZIP	PNI	BOQ	AMP	BFL	NHF	Ind. Median
P/E	38.55	32.27	40.94	33.06	3.25●	17.30	16.27
P/B	6.34	4.36	0.69●	1.17	0.74	3.14	2.03
EV/EBITDA	34.52	216.38	67.07	155.11	-1.43●	13.11	15.83
P/S	—	—	—	—	—	—	—

Financial Health
Metric	ZIP	PNI	BOQ	AMP	BFL	NHF	Ind. Median
Current Ratio	788.09●	54.99	0.05	0.32	33.68	—	1.20
Debt/Equity	383.4%	12.8%	258.4%	791.6%	9.1%●	27.6%	116.1%
NetDebt/EBITDA	11.13	3.37	49.89	129.54	-3.30●	0.48	2.39

Profitability
Metric	ZIP	PNI	BOQ	AMP	BFL	NHF	Ind. Median
Net Margin	8.9%	154.7%●	2.0%	5.1%	30.2%	5.4%	10.0%
ROE	15.9%	13.5%	1.6%	3.6%	24.2%●	18.5%	13.4%
ROA	2.9%	11.8%●	0.1%	0.4%	2.9%	9.5%	2.9%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	ZIP	PNI	BOQ	AMP	BFL	NHF	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	—	-7.2%	-67.9%	-28.5%	—	23.3%●	19.9%
Div. Yield	—	3.1%	6.5%	2.4%	22.6%●	4.1%	1.2%
Payout	—	104.1%	256.1%	57.1%	68.7%	61.1%	16.3%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

Go deeper on ZIP

Run a DCF valuation

Full DCF model with editable assumptions

Start a head-to-head duel

Compare two stocks metric by metric

Filter in the stock screener

Build your own universe with 400+ metrics

Data on this page refreshes once per day. Price data as of Jul 3, 26. This content is for informational purposes only and is not investment advice.