Zip (ZIP) investor relations material

Strategic overview

• Focus on unlocking financial potential through innovation, customer-centricity, and strong partnerships across financial journeys.

• Operates in the US and ANZ, serving 4.6m US and 1.9m ANZ active customers, with 29k and 64.9k merchants respectively.

• Annual total transaction value (TTV) of A$12.0b, with US contributing ~75% and ANZ ~25%.

• Mission emphasizes exceptional experiences and changing the game in financial services.

Financial performance and growth

• 3Q26 TTV grew 22.4% YoY to $4.0b, total income up 20.2% YoY to $335.2m, and cash EBTDA up 41.5% YoY to $65.1m.

• Active customers increased 3.5% YoY to 6.5m, transactions up 20.3% YoY, and merchants up 12.7% YoY.

• US TTV growth consistently above 40% YoY, with strong operating leverage and profitability.

• Group cash EBTDA guidance for FY26 is over $260m, with group operating margin above 18%.

US business highlights

• Serves 4.6m Americans often overlooked by traditional credit, focusing on responsible lending and trust.

• Recognized as #2 trustworthy brand and #1 responsible lender among BNPL peers, with a +73 NPS.

• Over 98% of transactions repaid in full; net bad debts written off as % of TTV remain within 1.5-2.0% target.

• AI-driven underwriting leverages 1.4b data points and 2,800 behavioral features for strong credit outcomes.