** Shares of Australia's Zip's ZIP.AX rise as much as 2.3% to A$3.15

** Citi lifts fintech co's FY26-28 cash earnings before tax, depreciation and amortization (EBTDA) estimates by 3%-6%

** Says lift reflects strong total transaction volume (TTV) growth and net transaction margin percentage (NTM%)

** TTV and NTM are key financial metrics used by co to assess profitability

** Brokerage notes co's US app downloads up +19% YoY in December, reached all-time high

** Adds Q2 average monthly active users were up 23% YoY

** Maintains "buy" rating, cuts PT to A$4.30 from A$4.50

** 1 of 8 analysts rate the stock ,"hold" and others "buy" or higher, their median PT is A$4.5 — LSEG data

** Stock falls 13.5% so far this week, set to snap five straight sessions of weekly gains

** ZIP rose 11.15% in 2025, down 5% YTD

(Reporting by Aamir Sheik Khalid in Bengaluru)

((Aamir.SheikKhalid@thomsonreuters.com))