Zip Co Ltd

ZIP: XASX (AUS)

Morningstar Rating for Stocks	Fair Value	Economic Moat	Capital Allocation
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Zip: Guidance Holds Despite Temporary Fraud, Credit, and Funding Headwinds

Nathan Zaia , Oriana Pham

Oct 23, 2026

Zip reaffirmed its fiscal 2027 cash EBTDA guidance of AUD 340 million, despite a hit from an external fraud event in the US, higher US bad debts, and rising funding costs. First-quarter cash EBTDA rose 3% to AUD 65 million, or nearly 20% excluding AUD 10 million of fraud costs. Shares fell 29%.

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Zip Co Ltd

Zip: Guidance Holds Despite Temporary Fraud, Credit, and Funding Headwinds

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