Highlights from Zip Co Ltd (ZIZTF) Full Year 2025 Earnings Call: Exceptional Growth and Strategic Development

Financial Performance: Zip Co Ltd (ZIZTF) reported record financial results with total income exceeding $1 billion and cash earnings growth of 147%, driven largely by its US business.

Customer Engagement: The company saw increased customer engagement, with average spending and transaction frequency rising among its 6.3 million customers, particularly in the US market where cash earnings surpassed USD100 million.

Operational Challenges: Despite strong performance, ZIZTF faces potential regulatory challenges in the US and needs to manage operating expenses carefully while investing in growth and innovation.

Future Outlook: The company anticipates continued growth in the US, with an expected operating margin increase to 16%-19% for FY26, alongside plans for a dual listing on Nasdaq pending board approval and regulatory processes.