Examining Zip Co (ASX:ZIP) Valuation After New Brand Platform And Product Rollout

Simply Wall St.

Feb 19

Zip Co (ASX:ZIP) has put brand and product in the spotlight by launching its new "In You We Trust" platform alongside the "You Trust Me?" national campaign, as well as updated app features and new ...

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The 3 year total shareholder return remains very large, suggesting longer term...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"ZIP":"ZipRecruiter Inc.","ZIP.AU":"Zip Co Ltd","BK4077":"互动媒体与服务","BK4539":"次新股","BK7093":"消费信贷"},"translate_title":"新品牌平台和产品推出后检查Zip Co(ASX：ZIP)的估值","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"ZIP":1.5,"ZIP.AU":1.5},"content_text":"Zip Co (ASX:ZIP) has put brand and product in the spotlight by launching its new \"In You We Trust\" platform alongside the \"You Trust Me?\" national campaign, as well as updated app features and new payment constructs. See our latest analysis for Zip Co. These product launches arrive after a mixed price backdrop, with an 8.05% 1 day share price return to A$2.82 and a year to date share price return of 15.82% decline. The 3 year total shareholder return remains very large, suggesting longer term momentum contrasts with more recent pressure. If Zip’s latest brand push has you thinking about what else is changing in finance and tech, it might be a good time to check out 2 top founder-led companies as a fresh source of ideas. With Zip delivering A$1,071.595 in revenue, A$79.895 in net income and a share price of A$2.82 that sits well below the A$5.052 analyst target, the key question is whether this signals a mispricing or if markets are already factoring in future growth. AdvertisementMost Popular Narrative: 44.2% Undervalued With Zip Co’s A$2.82 share price sitting well below the most followed fair value estimate of A$5.05, the current narrative leans firmly toward upside potential based on earnings and growth assumptions.  Scaling distribution through partnerships and embedded finance with major merchants and platforms (such as Google Pay, Stripe, and large retailers in key verticals) is decreasing customer acquisition costs and increasing take rates, which should drive further operating leverage and higher earnings.  Read the complete narrative. Want to see what sits behind that confidence in higher earnings? The narrative leans on ambitious growth, fatter margins, and a rich future earnings multiple. The exact mix of those inputs may surprise you. Analysts behind this narrative are building in solid annual revenue expansion, rising profit margins and a higher future P/E multiple compared to today’s broader Consumer Finance industry, all discounted back using an A$ based rate of 8.82%. Those ingredients, together with expectations for continued profitability rather than losses, are what underpin the A$5.05 fair value figure that currently screens Zip Co as materially undervalued against the last close of A$2.82. Result: Fair Value of A$5.05 (UNDERVALUED) Have a read of the narrative in full and understand what's behind the forecasts. However, this optimism still depends on regulators staying relatively accommodating and on competition not squeezing margins or transaction volumes more than analysts currently expect. Find out about the key risks to this Zip Co narrative. Another Angle: Earnings Multiple Looks Stretched While the narrative model suggests upside to a fair value of A$5.05, the current P/E of 44.9x tells a different story. It sits well above the peer average of 12.1x and the fair ratio of 26.7x, which points to meaningful valuation risk if expectations ever cool. Which signal do you trust more? See what the numbers say about this price — find out in our valuation breakdown. ASX:ZIP P/E Ratio as at Feb 2026Next Steps With sentiment clearly split between upside and valuation risk, do not wait for consensus to form. Review the risk and reward data for yourself and weigh up 2 key rewards and 1 important warning sign before you decide what it all means for you. Looking for more investment ideas? If Zip has sharpened your focus on where you put your money, do not stop here. Widen your watchlist with ideas built from hard numbers and clear fundamentals.  Target value first and see which companies pass tough quality filters using our 11 high quality undervalued stocks before prices move away from you. Strengthen your income stream by reviewing companies in the 8 dividend fortresses that pair higher yields with resilience checks. Prioritise staying power and review the companies in our 6 resilient stocks with low risk scores before the next bout of volatility tests your portfolio.   This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.Valuation is complex, but we're here to simplify it.Discover if Zip Co might be undervalued or overvalued with our detailed analysis, featuring fair value estimates, potential risks, dividends, insider trades, and its financial condition.Access Free AnalysisHave feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team@simplywallst.com","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"1","news_tag":"productRelease","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"}}}