Macquarie Group Conference Presentation

• Provided update on trading conditions and performance for April 2025
• Reconfirmed FY25 guidance for cash EBTDA of at least $153.0 million
• On track for FY25 results to be within two-year target ranges

Zip Co Limited (ASX: ZIP) provided a copy of the presentation to be given by the Group CEO and Managing Director, Cynthia Scott, at the Macquarie Group Conference on 7 May 2025. The presentation included an update on Zip's trading conditions and performance for the month of April 2025. Key highlights include:- Momentum in TTV growth has continued across both the US and ANZ markets, with the US seeing year-on-year TTV growth for April above 40%.- The portfolios in both regions continue to perform well with no material changes to credit loss performance.- Zip has purchased 3.9 million shares for $6.4 million as part of its $50 million on-market share buyback program.- Available cash and liquidity levels remain stable.- Zip reconfirmed its FY25 guidance for cash EBTDA of at least $153.0 million, including cash opex growth of around 10%, subject to market conditions.- Zip stated it remains on track for its FY25 results to be within the two-year target ranges as previously announced with its 1H25 results in February 2025.The presentation also provided an overview of Zip's differentiated business model, growth strategies, and financial performance.

Zip reconfirmed its FY25 guidance for cash EBTDA of at least $153.0 million, including cash opex growth of around 10%, subject to market conditions.