Zip Co Limited
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
Zip Co Limited (ZIZTF) - Net Assets
Latest net assets as of June 2025: $709.52 Million USD
Based on the latest financial reports, Zip Co Limited (ZIZTF) has net assets worth $709.52 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 ($3.50 Billion) and total liabilities ($2.80 Billion). 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.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $709.52 Million |
| % of Total Assets | 20.24% |
| Annual Growth Rate | 35.16% |
| 5-Year Change | -39.27% |
| 10-Year Change | 5963.91% |
| Growth Volatility | 231.5 |
Zip Co Limited - Net Assets Trend (2010–2025)
This chart illustrates how Zip Co Limited's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Zip Co Limited (2010–2025)
The table below shows the annual net assets of Zip Co Limited from 2010 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-06-30 | $709.52 Million | +78.03% |
| 2024-06-30 | $398.53 Million | +101.92% |
| 2023-06-30 | $197.37 Million | -54.91% |
| 2022-06-30 | $437.75 Million | -62.53% |
| 2021-06-30 | $1.17 Billion | +468.83% |
| 2020-06-30 | $205.40 Million | +169.20% |
| 2019-06-30 | $76.30 Million | +128.58% |
| 2018-06-30 | $33.38 Million | +187.13% |
| 2017-06-30 | $11.63 Million | -0.64% |
| 2016-06-30 | $11.70 Million | +815.25% |
| 2015-06-30 | $1.28 Million | -24.55% |
| 2014-06-30 | $1.69 Million | -47.46% |
| 2013-06-30 | $3.22 Million | -28.48% |
| 2012-06-30 | $4.51 Million | -16.93% |
| 2011-06-30 | $5.43 Million | -29.75% |
| 2010-06-30 | $7.73 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Zip Co Limited'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 217931251200.0% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (June 2025)
| Component | Amount | Percentage |
|---|---|---|
| Common Stock | $2.59 Billion | 365.25% |
| Other Comprehensive Income | $134.64 Million | 18.98% |
| Other Components | $163.85 Million | 23.09% |
| Total Equity | $709.52 Million | 100.00% |
Zip Co Limited Competitors by Market Cap
The table below lists competitors of Zip Co Limited ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Enviri Corporation
NYSE:NVRI
|
$1.18 Billion |
|
Thanachart Capital Public Company Limited
BK:TCAP
|
$1.18 Billion |
|
Shanghai Zhonggu Logistics Co Ltd
SHG:603565
|
$1.18 Billion |
|
Beach Energy Limited
F:BPS
|
$1.18 Billion |
|
Shenzhen Sed Industry Co Ltd
SHE:000032
|
$1.18 Billion |
|
Deluxe Corporation
NYSE:DLX
|
$1.18 Billion |
|
Insigma
SHG:600797
|
$1.18 Billion |
|
Hooker Ltd Ord
OTCGREY:HOKRF
|
$1.18 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Zip Co Limited'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 20,654,000.
- Other factors increased equity by 19,614,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $79.89 Million | +11.26% |
| Share Repurchases | $35.02 Million | -4.94% |
| Share Issuances | $267.15 Million | +37.65% |
| Other Comprehensive Income | $-20.65 Million | -2.91% |
| Other Changes | $19.61 Million | +2.76% |
| Total Change | $- | 78.03% |
Book Value vs Market Value Analysis
This analysis compares Zip Co Limited'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: 1.73x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has increased from 0.96x to 1.73x over the analyzed period, suggesting growing market confidence.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2010-06-30 | $0.97 | $0.94 | x |
| 2011-06-30 | $0.51 | $0.94 | x |
| 2012-06-30 | $0.42 | $0.94 | x |
| 2013-06-30 | $0.27 | $0.94 | x |
| 2014-06-30 | $0.17 | $0.94 | x |
| 2015-06-30 | $0.06 | $0.94 | x |
| 2016-06-30 | $0.08 | $0.94 | x |
| 2017-06-30 | $0.05 | $0.94 | x |
| 2018-06-30 | $0.12 | $0.94 | x |
| 2019-06-30 | $0.24 | $0.94 | x |
| 2020-06-30 | $0.55 | $0.94 | x |
| 2021-06-30 | $2.27 | $0.94 | x |
| 2022-06-30 | $0.72 | $0.94 | x |
| 2023-06-30 | $0.27 | $0.94 | x |
| 2024-06-30 | $0.40 | $0.94 | x |
| 2025-06-30 | $0.54 | $0.94 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Zip Co Limited 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 (-78.67%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2010 | -15.18% | -858.53% | 0.02x | 1.04x | $-1.95 Million |
| 2011 | -42.56% | -1274.58% | 0.03x | 1.03x | $-2.85 Million |
| 2012 | -43.51% | -2505.39% | 0.02x | 1.03x | $-2.41 Million |
| 2013 | -47.62% | -5876.12% | 0.01x | 1.18x | $-1.86 Million |
| 2014 | -140.62% | -29360.97% | 0.00x | 1.14x | $-2.55 Million |
| 2015 | -136.60% | -17158.87% | 0.01x | 1.06x | $-1.87 Million |
| 2016 | -60.59% | -164.93% | 0.09x | 4.13x | $-8.26 Million |
| 2017 | -173.68% | -122.87% | 0.09x | 15.01x | $-21.35 Million |
| 2018 | -67.55% | -56.16% | 0.12x | 9.98x | $-25.89 Million |
| 2019 | -14.59% | -13.43% | 0.12x | 8.98x | $-18.76 Million |
| 2020 | -9.71% | -12.51% | 0.12x | 6.49x | $-40.48 Million |
| 2021 | -55.90% | -162.16% | 0.12x | 2.91x | $-769.93 Million |
| 2022 | -253.04% | -178.24% | 0.18x | 7.75x | $-1.15 Billion |
| 2023 | -209.75% | -59.72% | 0.21x | 17.01x | $-433.72 Million |
| 2024 | 0.92% | 0.42% | 0.27x | 7.98x | $-36.20 Million |
| 2025 | 11.26% | 7.46% | 0.31x | 4.94x | $8.94 Million |
Industry Comparison
This section compares Zip Co Limited's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $42,167,772,618
- Average return on equity (ROE) among peers: 3.49%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Zip Co Limited (ZIZTF) | $709.52 Million | -15.18% | 3.94x | $1.18 Billion |
| Accord Financial Corp (ACCFF) | $103.96 Million | 11.43% | 4.00x | $8.00 Million |
| Acom Co. Ltd (ACJJF) | $306.73 Billion | 3.47% | 2.77x | $799.50 Million |
| Affirm Holdings Inc (AFRM) | $3.07 Billion | 1.70% | 2.63x | $13.28 Billion |
| Federal Agricultural Mortgage Corporation (AGM) | $47.20 Million | 1.69% | 11.77x | $1.51 Billion |
| Aiful Corp (AIFLF) | $97.47 Billion | -37.44% | 4.75x | $852.52 Million |
| Jianpu Technology Inc (AIJTY) | $520.74 Million | 20.38% | 0.93x | $16.37 Million |
| AIOS Tech Inc. (AIOS) | $40.53 Million | 17.61% | 0.35x | $2.83 Million |
| Ally Financial Inc (ALLY) | $13.49 Billion | 6.88% | 11.39x | $10.34 Billion |
| Alpha Investment Inc (ALPC) | $-38.66K | 0.00% | 0.00x | $166.69 Million |
| Antalpha Platform Holding Co (ANTA) | $202.32 Million | 9.14% | 10.90x | $14.83 Million |