• Record profitability with 57.9% growth in cash earnings
• Group total transaction volume increased by 27.2% YoY to $16.7b
• US market showed significant growth with 42.5% YoY increase in TTV
• Strong customer engagement with transactions per customer up 23.1% in the US
• Enhanced operating leverage with 420bps YoY operating margin expansion

Zip Co Ltd (ASX: ZIP) has released its FY26 Investor Presentation, showcasing a high-growth business with record profitability at scale. The company reported a 27.2% YoY increase in group total transaction volume (TTV) to $16.7 billion, driven by a 42.5% YoY growth in the US market. Zip exceeded FY26 guidance with a 57.9% growth in cash earnings and is well-positioned for the next phase of growth and innovation. The US market demonstrated accelerated TTV growth with credit losses at 1.73% of TTV in FY26. The company also reported a 420 basis points YoY operating margin expansion, reaching 20.0%. Zip's strategic initiatives, including AI-powered operations and platform investments, have contributed to its strong performance. The company is focused on sustainability, with operations powered by 100% renewable electricity and a refreshed sustainability strategy.

FY26 total transaction volume $16.7b, 27.2% YoY growth, cash EBTDA $268.9m, 57.9% YoY growth

Zip is well-positioned to drive the next phase of growth and innovation, with a focus on AI-powered operations, platform investments, and sustainability initiatives.