ASX · Stocky rates: Avoid

ZIPCOLTD FPO [ZIP] (ZIP.AX)

A$2.52 ▼ -1.95% as of 24 Aug, 11:45

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27
/ 100
Avoid

What Stocky thinks

Avoid. ZIP.AX scores 28.2/100 on Growth Compounder metrics, indicating weak revenue momentum and profitability relative to its valuation, while the Value Compounder score of 9/100 reflects limited margin of safety. Leadership Alignment at 53/100 suggests inconsistent incentive alignment between management and shareholders. Though Vulnerability Index reads neutral, the company's structural position as a BNPL operator faces persistent headwinds from elevated competition, regulatory scrutiny, and c

Compounder Score
28/100
Business quality — profitability, growth, capital efficiency.
Leadership Alignment
53/100
Founder-led, insider ownership, capital allocation history.
Vulnerability
0/100
Downside resilience — customer concentration, supply chain, refinancing risk.
Value Score
27/100
Valuation vs peers and history — is this a good price to pay?

What Stocky gives investors that other tools don't

Every stock is scored across six proprietary dimensions built for retail investors who want Buffett-quality analysis without a Bloomberg subscription. Here's the actual snapshot for ZIPCOLTD FPO [ZIP]:

27
VERDICT

Stocky Verdict — one score, everything

Quality + moat + leadership + valuation + sentiment fused into a single 0–100 number. When you see 27/100, you know instantly whether to dig deeper or skip.

Rated
MOAT

Moat Score — is there a real edge?

Pricing power, switching costs, network effects, and 10-year ROIC data. Same framework Morningstar charges for — free inside Stocky.

53
LEADER

Leadership Alignment — is management on your side?

Founder tenure, insider ownership, CEO pay reasonableness, long-term value creation. Six factors, one score — turns "trust the CEO" into evidence.

0
RISK

Vulnerability Profile — what could break?

Customer concentration, supply chain, refinancing walls, regulatory exposure. Stocky maps knowable fragilities so you're never blindsided.

Elite
TRACK

Track Record — does the system work?

Every score backtested against real S&P 500 returns. See how "Elite" (90+ Verdict) picks have performed vs the index — no black boxes.

24/7
ALERTS

Alerts + Portfolio insights

Analyst target shifts, insider buys, big moves — plus a monthly Portfolio Health Report telling you what's actually driving your returns.

ZIPCOLTD FPO [ZIP] (ZIP.AX) — frequently asked

Is ZIPCOLTD FPO [ZIP] (ZIP.AX) a good investment right now?

Stocky rates ZIPCOLTD FPO [ZIP] (ZIP.AX) at 27/100 — an Avoid — fundamentals or risks are too weak. The score fuses business quality, moat width, leadership alignment, valuation and analyst signal into a single number. Avoid. ZIP.AX scores 28.2/100 on Growth Compounder metrics, indicating weak revenue momentum and profitability relative to its valuation, while the Value Compounder score of 9/100 reflects limited margin of safety. Leadership Alignment at 5

What is ZIP.AX's Stocky Verdict?

ZIP.AX's current Stocky Verdict is 27/100, placing it in the "Avoid" band. This composite combines a 28/100 Compounder score, 53/100 Leadership, Moat rating, and analyst signal.

Does ZIPCOLTD FPO [ZIP] have a competitive moat?

Stocky hasn't finalised a Moat Score for ZIPCOLTD FPO [ZIP] yet — the analysis draws from ROIC trends, pricing power evidence, and competitive-position filings.

Is ZIPCOLTD FPO [ZIP]'s leadership aligned with shareholders?

ZIPCOLTD FPO [ZIP] scores 53/100 on Leadership Alignment. Higher = more founder involvement, higher insider ownership, sensible pay, and evidence of long-term capital allocation discipline.

What are the biggest risks to ZIP.AX?

ZIPCOLTD FPO [ZIP]'s Vulnerability Profile scores 0/100 (higher = more resilient). The profile flags customer concentration, supply chain, refinancing walls and regulatory risks specific to ZIPCOLTD FPO [ZIP].

This is just the surface. See the whole picture on ZIPCOLTD FPO [ZIP].

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  • Every analyst covering ZIP.AX — full list with star ratings, price targets, historical hit-rate. Not just the top 3 you see above.
  • Full Vulnerability Profile — customer concentration, refinancing walls, stress-test scenarios (-20% revenue, +200bp rates) modelled specifically for ZIP.AX.
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STOCKY VERDICT
27
/ 100 · Avoid

See ZIPCOLTD FPO [ZIP] the Stocky way

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Stocky Verdict
A plain-English Buy / Hold / Sell score out of 100.
Compounder & Value scores
How strong the business is — and whether it looks cheap.
Interactive charts
1M to 5Y price history with company events plotted on it.
Top analyst targets
What the best-rated Wall Street analysts expect next.
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