Zip Co Ltd. · ASX:ZIP
Zip — Investor Presentation (November 2025)
16 slides from Zip's investor presentation, November 2025
Slide 1: Product overview session
Product overview session November 2025
Slide 2: Our US product offering
Hi there, Jessica Our US product offering 2
Slide 3: US customer video
US customer video Accessed here: https://www.youtube.com/watch?v=zw9myhaLHHU 3
Slide 4: How customers can pay with Zip
How customers can pay with Zip Hi there, Hi there, Jessica James Online checkout In-store / physical Google Pay Chrome MS Edge iOS Android At merchant Embedded In App 4
Slide 5: US product video
US product video Accessed here: https://www.youtube.com/watch?v=XeU8rpGhOLc 5
Slide 6: Our Australian product offering
Our Australian product offering 6
Slide 7: AU product video
AU product video Accessed here: https://www.youtube.com/watch?v=-Te4gVedy3o&feature=youtu.be 7
Slide 8: We have launched two products in 18 months as we become a next generation financial services provider
We have launched two products in 18 months as we become a next generation financial services provider Build the franchise Optimise margins, enhance Invest for profitable growth capability 2013 2015 2023 2024 2025 2025+ Launch of Launch of Launch of Zip Launch of Zip Launch of Zip Develop new Zip Money
Slide 9: Zip Pay
Zip Pay Product positioning and customer value proposition Balance your everyday spending. Shop now. Zip Pay later. Instantly yours. Always interest free. Role in Zip portfolio ✔ Key customer acquisition tool given interest-free proposition ✔ Revenue generated from both customer and merchant fees 9
Slide 10: Zip Plus
Zip Plus Product positioning and customer value proposition Balance your everyday spending. Plus more. A great value digital card with interest free flexibility. Role in Zip portfolio ✔ Zip Plus customers are highly engaged and transact 42% more often than Zip Pay customers ✔ Revenue from both custom
Slide 11: Zip Money
Zip Money Product positioning and customer value proposition Pay for your next step in life. Your big plans, planned perfectly with up to 5 years interest free at over 53,700 merchants. Role in Zip portfolio ✔ Drives TTV and revenue with higher AOV, longer duration purchases ✔ Revenue from both cust
Slide 12: Zip Personal Loan
Zip Personal Loan Product positioning and customer value proposition Pay for life’s big milestones. A personal loan that rewards on-time repayments with a 1% rate drop. Every. Single. Year. Role in Zip portfolio ✔ Expansion out of merchant-led purchases to solve new customer problems ✔ Drives receiv
Slide 13: Differentiated propositions supports increased product adoption and customer engagement
Differentiated propositions supports increased product adoption and customer engagement Portfolio outcomes Upsell ● Customer acquisition Balance your everyday spending. ● Scale Balance your everyday spending. Plus more. ● Engagement Cross-sell Pay for your next step in life. ● Yield expansion ● Rece
Slide 14: We build trust with our customers and maintain a 4.9* rated app with >340k reviews
We build trust with our customers and maintain a 4.9* rated app with >340k reviews ‘‘ The application process was straightforward, and I was quickly approved for a credit limit that suits my ‘‘I love Zip Pay! It’s flexible, needs. The flexibility to pay off purchases easy to use pretty much ‘‘I’ve use
Slide 15: Appendix
Appendix 15
Slide 16: Zip product suite
Zip product suite Product Pay-in-Z Pay-in-4 Zip Pay Zip Plus Zip Money Personal Loan Market US NZ AU AU AU AU 56.8k merchants + Acceptance Everywhere1 4.0k merchants Everywhere1 Everywhere1 N/A anywhere online Account type Pay by instalments Pay by instalments Pay by account Pay by account Pay by ac