Zip Co Limited (ASX:ZIP) is one of Australia’s largest listed buy now, pay later (BNPL) and consumer finance technology companies. Headquartered in Sydney, Zip operates BNPL and instalment payment products across Australia and New Zealand (the ANZ Business) and the United States, with the US Business now the dominant contributor to group Earnings. Following a substantial restructuring through 2022 and 2023, Zip has progressively returned to profitability, completed selected divestments, and reoriented its strategy toward US market expansion. For Australian investors, ZIP is a mid-cap Fintech stock with significant US dollar Earnings exposure and continued growth orientation.

This article…