ZIP Co Ltd - Asset Resilience Ratio

Latest as of June 2025: 0.13%

ZIP Co Ltd (ZIP) has an Asset Resilience Ratio of 0.13% as of June 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Check ZIP Co Ltd (ZIP) strategic asset index to assess the company's strategic physical and investment asset allocation.

Liquid Assets

AU$4.61 Million

≈ $3.26 Million USD Cash + Short-term Investments

Total Assets

AU$3.50 Billion

≈ $2.48 Billion USD All company assets

Resilience Assessment

Low

Financial Resilience Level

Asset Resilience Ratio Trend (2016–2025)

This chart shows how ZIP Co Ltd's Asset Resilience Ratio has changed over time. See ZIP net asset quality score to measure how much of total assets are equity-financed.

Liquid Assets Composition Over Time

This chart breaks down ZIP Co Ltd's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see ZIP market cap.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	AU$0.00	0%
Short-term Investments	AU$4.61 Million	0.13%
Total Liquid Assets	AU$4.61 Million	0.13%

Asset Resilience Insights

Limited Liquidity: ZIP Co Ltd maintains only 0.13% of assets in liquid form.
This low level may indicate efficient asset utilization but could pose risks during economic downturns.
The company has significant short-term investments, indicating active treasury management.

ZIP Co Ltd Industry Peers by Asset Resilience Ratio

Compare ZIP Co Ltd's asset resilience ratio with other companies in the same industry.

Company	Industry	Asset Resilience Ratio
Credit Acceptance Corporation NASDAQ:CACC	Credit Services	1.26%
Upstart Holdings Inc NASDAQ:UPST	Credit Services	1.39%
CREDITACCESS GRAMEEN LIMITED NSE:CREDITACC	Credit Services	3.39%
Beijing Cuiwei Tower Co Ltd SHG:603123	Credit Services	1.79%
BFI Finance Indonesia Tbk JK:BFIN	Credit Services	1.84%
IndoStar Capital Finance Limited NSE:INDOSTAR	Credit Services	2.88%
Hexa Tradex Limited NSE:HEXATRADEX	Credit Services	0.09%
Pioneer Credit Ltd AU:PNC	Credit Services	32.27%

Annual Asset Resilience Ratio for ZIP Co Ltd (2016–2025)

The table below shows the annual Asset Resilience Ratio data for ZIP Co Ltd.

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2025-06-30	0.13%	AU$4.61 Million ≈ $3.26 Million	AU$3.50 Billion ≈ $2.48 Billion	-0.01pp
2024-06-30	0.14%	AU$4.51 Million ≈ $3.19 Million	AU$3.18 Billion ≈ $2.25 Billion	-0.07pp
2023-06-30	0.21%	AU$7.20 Million ≈ $5.09 Million	AU$3.43 Billion ≈ $2.43 Billion	+0.10pp
2022-06-30	0.11%	AU$3.86 Million ≈ $2.73 Million	AU$3.42 Billion ≈ $2.42 Billion	+0.07pp
2021-06-30	0.05%	AU$1.51 Million ≈ $1.07 Million	AU$3.33 Billion ≈ $2.36 Billion	-0.07pp
2020-06-30	0.11%	AU$1.51 Million ≈ $1.07 Million	AU$1.33 Billion ≈ $942.50 Million	-0.06pp
2019-06-30	0.17%	AU$1.18 Million ≈ $834.22K	AU$685.16 Million ≈ $484.80 Million	-0.19pp
2018-06-30	0.36%	AU$1.21 Million ≈ $855.55K	AU$333.07 Million ≈ $235.67 Million	+0.16pp
2017-06-30	0.20%	AU$351.50K ≈ $248.71K	AU$174.55 Million ≈ $123.51 Million	--
2016-06-30	0.00%	AU$0.00 ≈ $0.00	AU$46.93 Million ≈ $33.21 Million	--

pp = percentage points

About ZIP Co Ltd

AU:ZIP Australia Credit Services

Market Cap

$2.60 Billion

AU$3.68 Billion AUD

Market Cap Rank

#5466 Global

#130 in Australia

Share Price

AU$2.88

Change (1 day)

+1.77%

52-Week Range

AU$1.45 - AU$4.81

All Time High

AU$13.92