ZIP Co Ltd (ZIP) - Net Assets

Latest as of June 2025: AU$709.52 Million AUD ≈ $502.03 Million USD

Based on the latest financial reports, ZIP Co Ltd (ZIP) has net assets worth AU$709.52 Million AUD (≈ $502.03 Million USD) as of June 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (AU$3.50 Billion ≈ $2.48 Billion USD) and total liabilities (AU$2.80 Billion ≈ $1.98 Billion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check ZIP financial resilience to evaluate the company's liquid asset resilience ratio.

Key Net Assets Metrics

Metric Value
Current Net Assets AU$709.52 Million
% of Total Assets 20.24%
Annual Growth Rate 17.02%
5-Year Change -29.68%
10-Year Change 6050.75%
Growth Volatility 265.56

ZIP Co Ltd - Net Assets Trend (2004–2025)

This chart illustrates how ZIP Co Ltd's net assets have evolved over time, based on quarterly financial data. Also explore how large is ZIP Co Ltd's balance sheet for the complete picture of this company's asset base.

Annual Net Assets for ZIP Co Ltd (2004–2025)

The table below shows the annual net assets of ZIP Co Ltd from 2004 to 2025. For live valuation and market cap data, see ZIP market cap overview.

Year Net Assets Change
2025-06-30 AU$709.52 Million
≈ $502.03 Million		 +78.03%
2024-06-30 AU$398.53 Million
≈ $281.99 Million		 +232.46%
2023-06-30 AU$119.87 Million
≈ $84.82 Million		 -62.92%
2022-06-30 AU$323.28 Million
≈ $228.74 Million		 -67.96%
2021-06-30 AU$1.01 Billion
≈ $713.91 Million		 +391.22%
2020-06-30 AU$205.40 Million
≈ $145.33 Million		 +169.20%
2019-06-30 AU$76.30 Million
≈ $53.99 Million		 +128.58%
2018-06-30 AU$33.38 Million
≈ $23.62 Million		 +187.13%
2017-06-30 AU$11.63 Million
≈ $8.23 Million		 +0.78%
2016-06-30 AU$11.54 Million
≈ $8.16 Million		 +802.33%
2015-06-30 AU$1.28 Million
≈ $904.56K		 -24.55%
2014-06-30 AU$1.69 Million
≈ $1.20 Million		 -47.46%
2013-06-30 AU$3.22 Million
≈ $2.28 Million		 -28.48%
2012-06-30 AU$4.51 Million
≈ $3.19 Million		 -16.93%
2011-06-30 AU$5.43 Million
≈ $3.84 Million		 -29.75%
2010-06-30 AU$7.73 Million
≈ $5.47 Million		 -24.07%
2009-06-30 AU$10.17 Million
≈ $7.20 Million		 +27.48%
2008-06-30 AU$7.98 Million
≈ $5.65 Million		 +852.39%
2007-06-30 AU$838.00K
≈ $592.94K		 +153.93%
2006-06-30 AU$-1.55 Million
≈ $-1.10 Million		 -115.94%
2005-06-30 AU$9.75 Million
≈ $6.90 Million		 -62.71%
2004-06-30 AU$26.14 Million
≈ $18.49 Million		 --

Equity Component Analysis

This analysis shows how different components contribute to ZIP Co Ltd's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.

Equity Composition Insights

  • Retained earnings have decreased by 217751374800.0% over the analyzed period, potentially due to dividend distributions or operating losses.

Current Equity Component Breakdown (June 2025)

Component Amount Percentage
Common Stock AU$2.59 Billion 365.25%
Other Comprehensive Income AU$134.64 Million 18.98%
Other Components AU$163.85 Million 23.09%
Total Equity AU$709.52 Million 100.00%

ZIP Co Ltd Competitors by Market Cap

The table below lists competitors of ZIP Co Ltd ranked by their market capitalization.

Company Market Cap
Enterprise Financial Services
NASDAQ:EFSC
 $2.18 Billion
Jinke Property Group Co Ltd
SHE:000656
 $2.18 Billion
Turpaz Industries Ltd
TA:TRPZ
 $2.18 Billion
Ashtrom Group Ltd
TA:ASHG
 $2.18 Billion
Zhongrun Resources Investment
SHE:000506
 $2.18 Billion
Dorma Kaba Holding AG
SW:DOKA
 $2.17 Billion
Zhewen Interactive Group Co Ltd
SHG:600986
 $2.17 Billion
NORINCO International Cooperation Ltd
SHE:000065
 $2.17 Billion

Equity Growth Attribution

This analysis shows how different factors contributed to changes in ZIP Co Ltd's equity between the two most recent reporting periods.

Equity Growth Insights

  • From 2024 to 2025, total equity changed from 398,533,000 to 709,520,000, a change of 310,987,000 (78.0%).
  • Net income of 79,895,000 contributed positively to equity growth.
  • Share repurchases of 35,019,000 reduced equity.
  • New share issuances of 267,151,000 increased equity.
  • Other comprehensive income decreased equity by 184,535,000.
  • Other factors increased equity by 183,495,000.

Equity Change Factors (2024 to 2025)

Factor Impact Contribution
Net Income AU$79.89 Million +11.26%
Share Repurchases AU$35.02 Million -4.94%
Share Issuances AU$267.15 Million +37.65%
Other Comprehensive Income AU$-184.53 Million -26.01%
Other Changes AU$183.50 Million +25.86%
Total Change AU$- 78.03%

Book Value vs Market Value Analysis

This analysis compares ZIP Co Ltd's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.

Valuation Insights

  • Current price-to-book ratio: 4.45x
  • The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
  • The price-to-book ratio has increased from 0.02x to 4.45x over the analyzed period, suggesting growing market confidence.

Historical Price-to-Book Ratios

Date Book Value per Share Market Price P/B Ratio
2004-06-30 AU$116.91 AU$2.41 x
2005-06-30 AU$43.33 AU$2.41 x
2006-06-30 AU$-6.90 AU$2.41 x
2007-06-30 AU$2.24 AU$2.41 x
2008-06-30 AU$13.58 AU$2.41 x
2009-06-30 AU$11.81 AU$2.41 x
2010-06-30 AU$0.97 AU$2.41 x
2011-06-30 AU$0.51 AU$2.41 x
2012-06-30 AU$0.42 AU$2.41 x
2013-06-30 AU$0.27 AU$2.41 x
2014-06-30 AU$0.17 AU$2.41 x
2015-06-30 AU$0.06 AU$2.41 x
2016-06-30 AU$0.08 AU$2.41 x
2017-06-30 AU$0.05 AU$2.41 x
2018-06-30 AU$0.12 AU$2.41 x
2019-06-30 AU$0.24 AU$2.41 x
2020-06-30 AU$0.55 AU$2.41 x
2021-06-30 AU$1.96 AU$2.41 x
2022-06-30 AU$0.53 AU$2.41 x
2023-06-30 AU$0.17 AU$2.41 x
2024-06-30 AU$0.40 AU$2.41 x
2025-06-30 AU$0.54 AU$2.41 x

Capital Efficiency Dashboard

This dashboard shows how efficiently ZIP Co Ltd utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.

Capital Efficiency Insights

  • Current Return on Equity (ROE): 11.26%
  • The company shows good efficiency in utilizing shareholder equity.
  • DuPont Analysis Breakdown:
  • • Net Profit Margin: 7.46%
  • • Asset Turnover: 0.31x
  • • Equity Multiplier: 4.94x
  • Recent ROE (11.26%) is above the historical average (-67.72%), indicating improving capital efficiency.

Historical Capital Efficiency Metrics

Year Return on Equity Net Profit Margin Asset Turnover Equity Multiplier Economic Value Added
2004 0.37% 0.71% 0.34x 1.53x AU$-2.52 Million
2006 0.00% -59.51% 2.50x 0.00x AU$-11.12 Million
2007 31.15% 1.17% 1.98x 13.43x AU$177.20K
2008 39.47% 8.58% 1.33x 3.45x AU$2.35 Million
2009 -5.67% -1.88% 1.07x 2.81x AU$-1.59 Million
2010 -15.18% -858.53% 0.02x 1.04x AU$-1.95 Million
2011 -42.56% -1274.58% 0.03x 1.03x AU$-2.85 Million
2012 -43.51% -2505.39% 0.02x 1.03x AU$-2.41 Million
2013 -47.62% -5876.12% 0.01x 1.18x AU$-1.86 Million
2014 -140.62% -29360.97% 0.00x 1.14x AU$-2.55 Million
2015 -136.60% -17158.87% 0.01x 1.06x AU$-1.87 Million
2016 -77.74% -307.07% 0.06x 4.07x AU$-10.12 Million
2017 -173.68% -122.87% 0.09x 15.01x AU$-21.35 Million
2018 -67.55% -57.42% 0.12x 9.98x AU$-25.89 Million
2019 -14.59% -13.55% 0.12x 8.98x AU$-18.76 Million
2020 -9.71% -12.42% 0.12x 6.49x AU$-40.48 Million
2021 -67.21% -171.96% 0.12x 3.30x AU$-779.05 Million
2022 -342.91% -184.91% 0.17x 10.61x AU$-1.14 Billion
2023 -320.12% -55.78% 0.20x 28.61x AU$-395.73 Million
2024 0.92% 0.42% 0.27x 7.98x AU$-36.20 Million
2025 11.26% 7.46% 0.31x 4.94x AU$8.94 Million

Industry Comparison

This section compares ZIP Co Ltd's net assets metrics with peer companies in the Credit Services industry.

Industry Context

  • Industry: Credit Services
  • Average net assets among peers: $248,154,214
  • Average return on equity (ROE) among peers: 16.98%

Peer Company Comparison

Company Net Assets Return on Equity Debt-to-Equity Market Cap
ZIP Co Ltd (ZIP) AU$709.52 Million 0.37% 3.94x $2.18 Billion
Butn Ltd (BTN) $12.14 Million -21.92% 7.86x $7.26 Million
Credit Corp Group Ltd (CCP) $159.56 Million 21.79% 0.42x $516.29 Million
Earlypay Ltd (EPY) $14.54 Million 0.26% 9.77x $27.49 Million
FSA Group Ltd (FSA) $1.07 Million -198.91% 1.22x $103.52 Million
Harmoney Corp Ltd (HMY) $70.45 Million -38.27% 4.17x $58.17 Million
Humm Group Ltd (HUM) $83.87 Million 27.93% 6.46x $206.99 Million
Lawfinance Ltd (LAW) $11.34 Million -13.33% 3.01x $225.95K
Liberty Financial Group (LFG) $901.58 Million 10.82% 13.15x $726.08 Million
Latitude Group Holdings Ltd (LFS) $1.22 Billion 1.76% 5.44x $673.14 Million
Moneyme Ltd (MME) $2.61 Million 379.69% 16.06x $48.86 Million

About ZIP Co Ltd

AU:ZIP Australia Credit Services
Market Cap
$2.18 Billion
AU$3.08 Billion AUD
Market Cap Rank
#5942 Global
#137 in Australia
Share Price
AU$2.41
Change (1 day)
-0.82%
52-Week Range
AU$1.45 - AU$4.81
All Time High
AU$13.92
Categories
Companies in Australia Credit Services Banking & Financial
About

Zip Co Limited engages in the provision of digital retail finance, personal finance, and payments solutions in Australia, New Zealand, and the United States. The company offers retail line of credit products and personal loans; retail installment products; and Buy Now Pay Later installment products to consumers. It also provides unsecured loans through banking partners, as well as online and in-s… Read more