Zip Co

Today we delivered an important step forward in our US funding program. We’ve successfully priced a new two-year US$300 million securitisation transaction - our first Asset Backed Security (ABS) issuance for Zip US. The facility delivers a material improvement in funding costs, broadens our institutional investor base and further diversifies our funding program to support continued US growth. For more details, please refer to our ASX release here: https://lnkd.in/gj8g5Yjn

Today we announced our FY26 full-year results, exceeding our guidance and marking another year of strong growth and execution. Group cash earnings increased 58% to a record $268.9 million, with operating margin reaching 20%. These results reflect the strength of our differentiated business model and the progress we’ve made in building a highly profitable and scalable platform for growth. We deepened engagement across both markets, helping millions of customers smooth their cash flow while maintaining strong credit performance. In FY27, we are targeting strong Group cash earnings of $340m, representing material growth of 26%, and continued operating margin expansion. We’re focused on driving our next phase of growth and innovation, investing for long-term scale and creating more value for our customers, merchants and shareholders. For more details, please refer to our ASX release here: https://lnkd.in/gDSRfDrz

Zip has been named to CNBC's World's Top Fintech Companies list. Out of 3,500 companies assessed, 500 made the list and we're proud to be recognized in the payments category. It's a reflection of what our team has built and who we're building it for; people who need flexible, responsible access to payment flexibility when it matters most. Thanks to CNBC and Statista for the recognition. See the full list: https://lnkd.in/e2M5gzjX

Zip has been named to CNBC's World's Top Fintech Companies list. Out of 3,500 companies assessed, 500 made the list and we're proud to be recognized in the payments category. It's a reflection of what our team has built and who we're building it for; people who need flexible, responsible access to payment flexibility when it matters most. Thanks to CNBC and Statista for the recognition. See the full list: https://lnkd.in/e2M5gzjX

AI and agentic commerce is changing the way people shop. Our latest research shows that Zip customers across Australia and the US are increasingly using AI to research products, compare options and make more confident purchase decisions. But while adoption is moving fast, customers are drawing a clear line: they want AI to help inform the journey, not take the wheel at checkout. As agentic commerce evolves, we’re focused on building trusted experiences that put customers in control. Check out the comments for links to our Newsroom for more info 👇

It’s time for another Zipsterversary, and this month we’re celebrating US Strategy Specialist, Leah Schewitz, as she marks three years with Zip. On the strategy team, Leah's work spanning research, competitive intelligence and analysis has given her the opportunity to grow quickly, with the pace, exposure and variety shaping her career from day one. "Zip is where my career began and three years in, I couldn't have asked for a better launch pad. The variety of work and the speed at which things move meant I was constantly learning, adapting, and trying to level up. Having access to senior leadership early on gave me a window into how decisions get made at the highest level, something most people don't get until much later in their careers. What also stands out is the care people have for one another here. It's not just a talking point, you really feel it in how your fellow Zipsters show up for you and celebrate your wins. I don't have a rigid plan for what comes next, and that's actually what excites me. Zip has a way of opening doors you didn't even know existed, and I trust that the next chapter will be just as full of unexpected opportunities as the last three years have been." Congratulations on three-mendous years, Leah. We can't wait to see where the next chapter of your Zipstory takes you!

Yesterday at the Morgan Stanley Australia Summit, our Group CEO and Managing Director Cynthia Scott shared how AI is reshaping commerce - and how Zip is positioning itself for the agentic future of payments. Cynthia spoke about Zip’s AI strategy, the growing role of agentic commerce, and the importance of trust and customer control in AI-enabled payments. She was joined by our Group CFO Gordon Bell for a Q&A covering Zip’s growth opportunity, recent consumer spending trends and the broader evolution of the payments ecosystem. Thank you to Sally Hong, CFA and Morgan Stanley for hosting today’s discussion. For more information, view our full presentation here: https://lnkd.in/gAR2eQXv

Our Group CEO Cynthia Scott joined Tim Lawson at the Macquarie Conference today to discuss the strength and resilience of Zip’s two-sided business model. She highlighted Zip’s continued momentum in April, with our US business growing TTV above 40% (in USD) year-on-year and credit losses performing in line with expectations. Cynthia also shared insights around the important role Zip plays in helping our 6.5 million customers manage their cash flow, and how we build trust through the responsible design of our products and the experiences we deliver.

It’s time to recognise another Zipsterversary, and this month we’re celebrating ANZ Team Lead Customer Experience (CX), Chris Baillie, and his four years as a Zipster. Chris was drawn to the role by the clear opportunities for growth and Zip’s culture, and his experience has more than lived up to that promise. “From day one, I felt right at home. It was just as easy to connect with a CX colleague beside me as it was to see the CEO handing out burritos to other Zipsters over team lunch in the office. That moment really captured the unique and inclusive culture we have here. Over the past four years, I’ve been fortunate to be part of a number of impactful programs that have supported both my personal and professional growth. A standout for me has been the Real Mates program, where I developed the skills to navigate emotionally challenging conversations and better support both colleagues and friends. More recently, as part of the FY26 HiPo (High Potential) program, I’ve experienced first-hand Zip’s commitment to investing in Zipsters and creating opportunities for continuous development and career progression. Each year, I’ve had opportunities to grow, collaborate, and learn from a broader group of stakeholders, including stepping into brand new roles tailored to my skillset. Looking ahead, what excites me most is the opportunity to keep evolving and challenging the status quo to support the company’s growth.” Here’s to four more years of growth, leadership and impact. Congrats, Chris!

Today we announced our results for the third quarter of FY26, demonstrating increased profitability at scale, underpinned by strong unit economics and significant operating leverage. We saw strong momentum and deepened customer engagement across both markets, reflecting the trust customers place in Zip to manage their cash flows. After a strong third quarter, we have upgraded our FY26 Group cash EBTDA guidance to be no less than $260.0m and reconfirmed all other FY26 target ranges. For more details, please refer to our ASX release here: https://lnkd.in/gDbk3Usc