Slide 1: Macquarie Conference Presentation and April Trading Update
7 May 2026 Macquarie Conference Presentation and April Trading Update Zip Co Limited (ASX: ZIP) (“Zip”, or the “Company”) provides a copy of the presentation to be given by the Group CEO and Managing Director, Cynthia Scott, at the Macquarie Group Conference today, Thursday 7 May 2026. The presentat
Slide 2: Macquarie Group Conference Presentation
Macquarie Group Conference Presentation Cynthia Scott, Group CEO and Managing Director Zip Co Limited 7 May 2026
Slide 3: Who we are
Who we are Purpose Unlocking financial potential, together Mission To bring exceptional experiences, innovation and partnership to every financial journey 6.3m Customer Own Change active customers Stronger Values First It the Game Together Markets1 4.6m 29.0k A$12.0b 1.9m 64.9k A$4.0b active merchan
Slide 4: Sustainably profitable business with significant US opportunity
Sustainably profitable business with significant US opportunity US TTV (US$b) and Cash EBTDA ($m) and Two-sided revenue model driving powerful YoY growth (%) operating margin (%) network effects backed by deep customer, 18.7% merchant and channel partnerships +42% 18.2% +43% +47% High-growth US busi
Slide 5: 3Q26 Group highlights
3Q26 Group TTV ($b) +22.4% YoY Total income ($m) +20.2% YoY Cash EBTDA ($m) +41.5% YoY highlights 4.0 3.3 335.2 65.1 278.9 46.0 Zip’s resilient business model 3Q25 3Q26 3Q25 3Q26 3Q25 3Q26 continues to drive increased profitability at scale Active customers (m) Transactions (m) Merchants (#k) +3.5%
Slide 6: US: Differentiated and resilient customer base
US: Differentiated and resilient customer base We serve 4.6m of the 100m+ Americans that have been underestimated by traditional Recent spending insights financial services providers • Hardworking, ambitious consumers seeking financial progress but overlooked by traditional credit models Automotive,
Slide 7: US: Our customers trust Zip to manage their cash flows
US: Our customers trust Zip to manage their cash flows #2 #1 +73 trustworthy brand responsible lender customer relative to other relative to other NPS2 BNPL peers1 BNPL peers1 Note: (1) External survey completed by YouGov (Global research agency), as of January 2026. Sample sizes vary by brand, resu
Slide 8: US: Over 98% of transactions repaid in full
US: Over 98% of transactions repaid in full while delivering strong top line and active customer growth Net bad debts written off including recoveries as % of TTV1 Differentiated capability to underwrite everyday Americans profitably 1.84% 1.86% Management target range: 1.5 - 2.0% Proven expertise
Slide 9: ANZ: Diverse and highly-engaged customer base of everyday Australians and New Zealanders
ANZ: Diverse and highly-engaged customer base of everyday Australians and New Zealanders We serve 1.9m highly-engaged customers, representing circa 10% of the Australian Recent spending insights adult population • Diverse product set that meets the needs of Australians and New Zealanders from everyd
Slide 10: AU: Expanding our customer value proposition through ZMobile
Glossary AU: Expanding our customer value proposition through ZMobile Benefits for customers Benefits for Zip Value-packed plans helping Additional and recurring customers manage cost of revenue stream via living pressures subscription based offering Simple 4-click sign up experience Highly scal
Slide 11: April trading and outlook
April trading and outlook Zip reconfirms its FY26 guidance metrics1: >$260m2 >40% Group cash US TTV growth EBTDA (in USD) Momentum continued across the Group in April • In the US, year on year TTV growth for the month of April >18.0% circa 8% was above 40% (in USD) Group operating Group revenue marg
Slide 12: Disclaimer and important notices
Disclaimer and important notices The information contained in this presentation has been prepared by Zip Co Limited ACN 139 546 428 This presentation may contain certain “forward looking statements”. Forward risks, uncertainties (Company). and other factors, many of which are outside the control of