Zip Co

Today we announced our half year results for FY26, demonstrating increased profitability at scale. Each of our results were within our full-year guidance ranges as announced to the market in August 2025. Group cash earnings grew 85.6% to a record $124.3 million with corresponding operating margin expansion of 569 basis points to 18.7%. We saw accelerated momentum across both markets underpinned by deeper customer engagement, strong holiday trading and expanded channel partnerships. Following a strong half, Zip has upgraded its FY26 guidance for operating margin and cash EBTDA as a % of TTV while reconfirming all other target ranges. For more details, please refer to our ASX release here: https://lnkd.in/g-zDw3ep

To earn trust, you have to give trust. That is the insight behind our new brand platform, “In You We Trust,” launching today. While traditional finance often relies on outdated assumptions and barriers, Zip is taking a different stance. We believe in backing our customers' judgment with tools designed for real life; offering access, transparency, and flexibility when it matters most. Developed in partnership with Majority and Noble People, our new national campaign brings this belief to life. Across the creative, the question “You trust me?” is asked again and again — across everyday moments and playfully exaggerated scenarios — and our answer is always the same: Zip trusts you with money. A huge thank you to our team, our agency partners, and Destiny Modeste, a Zip customer featured in our campaign, for helping bring this work to life. #InYouWeTrust #BNPL #Zip #Youtrustme 📺 Watch the new spot below ⤵️

Huge congratulations to Bernadette O'Connell who recently marked four-midable years at Zip! Bernadette, a Senior Financial Accountant in our New Zealand business, believes that exposure to different teams, perspectives and ways of working has enabled her to accelerate her career. “The biggest factor has been the opportunity to work cross-functionally across both New Zealand and Australia. That experience has helped me broaden my skill set and better understand how the business operates end-to-end. Strong leaders who are supportive, accessible and invested in development have also given me the confidence to take on new challenges. There’s also a really genuine focus on wellbeing, which helps create a positive and sustainable way of working. Looking ahead, there are so many opportunities to get involved in initiatives that drive growth, improve how we work and deliver better outcomes for our customers. I’m also excited to support the development of others by sharing knowledge, mentoring and contributing to a strong team culture, while continuing to learn myself.” Please join us in celebrating Bernadette’s Zipsteversary - here’s to many more to come! 

Each year, we take a moment to recognise some truly special Zipsters - the people and teams who innovate, lead with heart and bring our values to life every day. Our 2025 ZipStar Award winners across the US and ANZ have gone above and beyond for their teams, our customers, merchants and Zip. Their impact is felt far beyond their roles and we’re incredibly proud to celebrate them. Congratulations to all of our ZipStars! US Zipsters: Katherine Maldonado, M.A. Dhanya Tatachar, Eli Weinstock-Herman, Zachary Dobush, Hannah R., Zhizhou Wang and the IT & Security team ANZ Zipsters: Ethan Larsson-Cain, Shitiz Garg, Rosie Bradley, Julio Osias, Tolga Akin and the CX team

It’s time to celebrate US Lead, Communications Naomi W. who recently marked her fourth Zipsterversary! In her role Naomi has had the opportunity to partner with many teams across the organization - including Product, Legal, Risk and Compliance and Investor Relations - helping shape how we communicate as a business during the moments that matter. This exposure has been one of the biggest reasons behind choosing to grow her career with Zip. “I’ve learned the most by being in the room with teams who have different priorities and perspectives. Understanding how decisions are made and why has been just as valuable as building skills within my own function. It’s also enabled my role to evolve, so that I can make a bigger impact. Working directly with senior leaders and decision makers encourages me to think critically and I feel trusted to bring perspective, not just execute. This creates space for me to do my best work and take ownership of how Zip shows up externally and internally. Zip is evolving quickly, and it’s meaningful to be part of a company focused on helping everyday Americans manage their cashflow. I’m excited about what’s ahead, both for the business and the customers we serve.” Congratulations on your four-midable years as a Zipster Naomi!

Please join us in celebrating Isobella Tilley, our ANZ People Experience Partner, who recently marked five incredible years at Zip. Bella’s Zipstory began while she was still at uni and unsure of her future career, stepping into the People & Culture team after a short stint in Customer Experience. Five years later, she’s helped shape many of our most meaningful Zipster experience programs. “I’ve been able to grow so quickly at Zip because of the trust and autonomy I’ve been given, and the chance to get involved in so many different projects. Collaborating with a wide range of Zipsters, building strong relationships, and having leaders who genuinely back me has pushed me to keep learning and stretching myself. What excites me most about the future is being a part of Zip’s ongoing evolution. I’ve been here long enough to see the business move through so many different phases. No two years at Zip have ever looked the same for me, and it’s that sense of possibility, challenge, and the unknown that keeps me engaged, and my career moving forward.” Congratulations on five-tastic years Bella, you’re a huge part of the team and we can’t wait to see what you take on in the next chapter of your Zipstory!

We’ve wrapped another successful Black Friday and Cyber Monday weekend - and this year, customers across the US, Australia and New Zealand turned to Zip more than ever to shop with confidence, flexibility and control. Key trends:  🛍️ Everyday spend is rising: Categories such as groceries and service stations remained core, but we also saw spend in traditional BFCM categories such as online marketplaces, tech and electronics 💁 Millennials led the way followed by Gen Z, Gen X and Boomers 🏪 Omnichannel is thriving: In-store usage continued to grow, accounting for 28% of US purchases and almost half in ANZ 🖤 Black Friday dominated with peak activity concentrated across the afternoon and evening in both regions For more information, check out our Newsroom post here 👉 https://lnkd.in/gbY3aTKh #Zip #BFCM2025

Congratulations to US Zipster Derek Briske on recently celebrating his fourth Zipsterversary. As Senior Manager of Enterprise Architecture Derek’s journey is a story of curiosity, ownership, and a love of solving complex challenges, while always focusing on bringing exceptional experiences to his customers. “My Zipstory has been shaped by diving into complex challenges that are foundational to our platform, and working through them with cross-functional teams of Zipsters to come out stronger on the other side. Zip is constantly evolving, which opens the door for new and exciting opportunities. What’s been a constant however are Zip’s values, which are the guiding principles for how we show up. I have always tried to double down on the ownership aspect, looking for ways to change the game and make an impact. As Zip continues to scale I am excited about the new challenges and the heightened expectations that come with that growth.” Please join us in recognising Derek’s four-midable achievements - we can’t wait to see you take it to the next level in the years to come!

Yesterday, our Group CEO and Managing Director, Cynthia Scott joined Lucy Huang, Head of Australian Telco, Media & Tech Research, UBS for a fireside chat at the 2025 UBS Conference in Sydney. Cynthia highlighted what sets Zip apart - including our unique competitive advantages across both markets and the depth of our relationships with customers, merchants and partners. She also spoke about Zip’s ongoing commitment to innovation, noting the expansion of our Pay-in-Z platform in the US and the pilot of our new Pay-in-2 product. The discussion touched on emerging consumer trends and Zip’s continued focus on strong credit performance while delivering sustainable, profitable growth.

Today we announced our results for the first quarter of FY26, with record cash earnings of $62.8m up 98.1% year on year, underpinned by strong unit economics, material operating leverage and disciplined execution. We saw accelerated momentum and deepened customer engagement across both markets, reflecting the meaningful role our flexible financial solutions play in our customers’ lives. Following a strong start to the year, we have upgraded our guidance for US TTV growth to be above 40% (in USD) for the year, and reconfirmed the remainder of our target ranges as previously announced in August. For more details, please refer to our ASX release here: https://lnkd.in/gy7NQ8v7