Zip Co Earnings Call Transcripts
Fiscal Year 2026
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Record cash earnings and margin expansion were achieved, with strong growth in both U.S. and ANZ segments. Guidance was upgraded for FY 2026, and new product launches and partnerships are driving continued momentum, with risk managed through portfolio calibration and hedging.
Fiscal Year 2025
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Record FY 2025 results included strong TTV, income, and cash earnings growth, with continued U.S. momentum and ANZ recovery. Strategic initiatives focused on AI, partnerships, and capital management, while no dividends are planned. All AGM resolutions proceeded without contest.
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Record financial results with cash earnings up 147% and total income over $1B, driven by strong U.S. and ANZ growth, improved margins, and disciplined cost management. FY26 guidance targets further TTV and margin expansion, with ongoing innovation and a potential NASDAQ dual listing.
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Record H1 FY25 results with 24% TTV growth, 117% cash EBITDA increase, and strong US and ANZ performance. Guidance for FY25 cash EBITDA is at least AUD 147 million, with continued disciplined investment and robust credit performance.
Fiscal Year 2024
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The AGM highlighted record financial results, strengthened balance sheet, and board renewal with new US-based directors. Strategic focus remains on core markets, innovation, and operational excellence, with all resolutions passed and no major shareholder concerns raised.
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Record profitability achieved with 28% revenue growth and first-ever statutory profit. US and ANZ segments delivered strong results, with US TTV growth expected to exceed 30% in FY25. Balance sheet strengthened, all corporate debt repaid, and strategic partnerships expanded.