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Zip AGM 2025 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.AGM 2025 summary5 Nov, 2025
Opening remarks and agenda
Meeting opened virtually with a quorum present, acknowledgment of traditional land custodians, and addresses by Chair Diane Smith-Gander AO and CEO Cynthia Scott.
Board, executive team, auditor, and company secretary introduced; technical instructions for participation provided.
Agenda included Chair and CEO addresses, formal business, voting on resolutions, and Q&A.
Financial performance review
FY 2025 saw record financial results: TTV up 30.3% to $13.1B, total income up 23.5%, and cash earnings up 147% to $170.3M; group operating margin nearly doubled to 15.8%.
US business contributed over 80% of divisional cash earnings, with US cash EBTDA up 105.3% YoY and ANZ cash EBTDA up 5.9% YoY.
Q1 FY 2026 delivered record cash earnings of $62.8M, up 98.1% YoY, with US TTV and revenue growth above 47%.
Group net bad debts reduced to 1.5% of TTV; strong customer NPS in both US (+68) and ANZ (+57).
FY26 outlook projects US TTV growth above 40% and continued focus on profitability and cost discipline.
Board and executive committee updates
Two new US-based directors appointed: Andrew Stevens (effective 17 April 2025) and Matthew W. Schuyler; Meredith Scott proposed for re-election.
Co-founder Larry Diamond stepped down; Peter Gray transitioned to Head of Strategic Growth.
New executive appointments: Joe Heck (US CEO), Linda Lu (Chief Legal & Risk Officer), Soraya Alali (ANZ CEO).
Dual listing rationale and next steps
Strategy behind $100M share buyback
ANZ product innovation focus areas
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Next Zip earnings date
H1 202618 Feb, 2026
Zip
Next Zip earnings date
H1 202618 Feb, 2026
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Zip Co Limited provides point-of-sale credit, digital retail finance, and payments solutions to consumers, and small and medium sized merchants (SMEs) in Australia, the United Kingdom, the United States, New Zealand, Mexico, and Canada. The company offers Zip Business for online and offline businesses; Zip Money, a personal line of credit that allows customers to pay later for their purchases with flexible interest-free repayments; and Zip Pay, an account that allows users to spend up to an approved credit limit.
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