• Total transaction volumes grew 34.1% to $8.4 billion
• Active customers increased 4.1% to 6.6 million
• Transactions grew 20.2% to 54.9 million

Zip Co Limited, a digital financial services company, has reported strong financial results for the half year ended 31 December 2025. Total transaction volumes grew 34.1% to $8.4 billion, with the USA market experiencing a 44.7% increase. Active customers increased 4.1% to 6.6 million, with the USA segment growing 9.7% to 4.6 million. Transactions across the Group grew 20.2% to 54.9 million. Revenue increased 29.2% to $658.1 million, and profit from ordinary activities after income tax attributable to members grew 128% to $52.4 million. The company's focus on operational leverage resulted in Cash EBTDA of $124.3 million, an 85.6% increase over the prior period. The Group's operating margin improved from 13.0% to 18.7%. Zip continued to execute on its strategic priorities of growth and engagement, product innovation, and platforms for scale, including strengthening customer engagement, accelerating momentum with channel partners, and expanding its Pay-in-Z platform. The company also made progress in its funding arrangements, establishing a new US$283.4 million warehouse facility in the USA and issuing a $400 million ABS bond in Australia at materially improved margins.

Zip Co Limited reported a 29% increase in revenue to $658.1 million and a 128% increase in profit to $52.4 million for the half year ended 31 December 2025.

Zip Co Limited will continue to focus on growth in core markets, delivering sustainable growth and profitability in future financial periods.