Zip (ASX:ZIP) said momentum continued across the group in April, with US year-on-year total transaction value (TTV) growth above 40% in US dollar terms, according to a Thursday Australian bourse filing.

The company said US credit outcomes are performing in line with expectations and on track to be below 1.75% of TTV for the fiscal fourth quarter.

Zip reconfirmed fiscal year 2026 guidance, including group cash earnings before tax, depreciation, and amortization (EBTDA) of more than AU$260 million, US TTV growth of more than 40% in US dollar terms, and a group operating margin of more than 18%.

Additional guidance metrics include a group revenue margin of about 8%, group cash EBTDA as a percentage of TTV of more than 1.4%, and a group cash net transaction margin of 3.8% to 4.2%, it added.