Zip Co Ltd. · ASX:ZIP
Zip — Shareholder Meeting (November 2025)
28 slides from Zip's shareholder meeting presentation, Nov 6, 2025
Slide 1: 2025 Annual General Meeting - AGM Presentation (ASX cover announcement)
6 November 2025 2025 Annual General Meeting - AGM Presentation Zip Co Limited (ASX: ZIP) (“Zip”, or the “Company”), provides the attached copy of the AGM presentation materials for the Annual General Meeting today. Release approved by the Board. – ENDS - For personal use only For more information
Slide 2: Annual General Meeting
For personal use only Annual General Meeting Zip Co Limited 6 November 2025
Slide 3: How to ask a question
How to ask a question For personal use only To ask a written question select the Q & A icon Broadcast Vote Q&A Documents Your questions Select the topic your question relates to from the drop-down list Type your question in the text box and press the send button You may enter a question field below
Slide 4: How to vote
How to vote For personal use only When the poll is open, select the vote icon at the top of the screen Broadcast Vote Q&A Documents Items of business To vote, select either For, Against or Abstain 2A Re-elect Mr Sam Sample as a Director FOR AGAINST ABSTAIN You will see a vote confirmation 2B Re-elec
Slide 5: Chair's address
For personal use only Chair’s address Diane Smith-Gander AO
Slide 6: Group CEO & Managing Director's address
For personal use only Group CEO & Managing Director’s address Cynthia Scott 5
Slide 7: In FY25 Zip delivered record profitability amidst macroeconomic uncertainty
In FY25 Zip delivered record profitability amidst macroeconomic uncertainty For personal use only Group cash EBTDA ($m) US cash EBTDA ($m) ANZ cash EBTDA ($m) +147.0% +105.3% +5.9% YoY growth YoY growth YoY growth 1 Continued to deliver significant operating leverage as the business scales Note: (1)
Slide 8: Sustainably profitable with high growth US business and significant opportunity
Sustainably profitable with high growth US business and significant opportunity For personal use only US TTV (US$b) and Group cash EBTDA ($m) and YoY growth (%) operating margin (%) Two-sided revenue model with deep customer, merchant and channel partnerships Disciplined execution driving significan
Slide 9: Leveraging AI to accelerate our strategy
Leveraging AI to accelerate our strategy For personal use only AI Powered AI Powered AI Powered Workforce Processes Products Unlocking more Optimising processes to Enhancing current products from every role scale with efficiency Enabling new revenue streams 8
Slide 10: Zip today: strategically placed to deliver long-term value
Zip today: strategically placed to deliver long-term value For personal use only Purpose Unlocking financial potential, together To bring exceptional experiences, innovation and partnership Mission to every financial journey Values Customer First Own It Change the Game Stronger Together 9
Slide 11: Zip will execute on three clear priorities in FY26
Zip will execute on three clear priorities in FY26 For personal use only Growth and Product Platforms engagement innovation for scale Secure new commercial Accelerate innovation through Further enhance credit partnerships Fearless Frontiers decisioning platforms Accelerate channel Launch AI-powered
Slide 12: 1Q26 highlights
1Q26 Group Cash EBTDA ($m) TTV ($b) Total income ($m) highlights +98.1% YoY +38.7% YoY +32.8% YoY For personal use only 3.9 62.8 321.5 2.8 242.1 31.7 Significant earnings 1Q25 1Q26 1Q25 1Q26 1Q25 1Q26 growth and operating leverage with Active customers (m) Transactions (m) Merchants (#k) +5.3% YoY +
Slide 13: FY26 outlook
FY26 outlook Well positioned to build on the outstanding results delivered in FY25 For personal use only FY25 FY26 result FY26 focus areas target range1 • US TTV growth expected to be greater than 40% (in USD) over FY26, balancing Revenue profitability and loss performance1 (Total income as a 8.3% C
Slide 14: Prior Minutes & Formal Business
For personal use only Prior Minutes & Formal Business 13
Slide 15: Annual Financial Report, Directors' Report and Auditor's Report
For personal use only Item 1 ANNUAL FINANCIAL REPORT, DIRECTORS’ REPORT AND AUDITOR’S REPORT To receive and consider the annual Financial Report, the Directors’ Report and the Auditor’s Report for Zip and its consolidated entities for the financial year ended 30 June 2025. 14
Slide 16: Remuneration Report
For personal use only Item 2 REMUNERATION REPORT To consider and, if thought fit, pass the following as an Ordinary Resolution: To adopt the Remuneration Report for the financial year ended 30 June 2025, as set out in the Directors’ Report in the Annual Financial Report. Note: the vote on this item
Slide 17: Election of Andrew Stevens as a Director
For personal use only Item 3(a) ELECTION OF ANDREW STEVENS AS A DIRECTOR To consider and, if thought fit, to pass the following resolution as an Ordinary Resolution: “That Andrew Stevens, having been appointed by the Board as a Director of the Company effective 17 April 2025 and who retires in accor
Slide 18: Andrew Stevens' Election as a Director
For personal use only Andrew Stevens’ Election as a Director Andrew Stevens 17
Slide 19: Re-election of Meredith Scott as a Director
For personal use only Item 3(b) RE-ELECTION OF MEREDITH SCOTT AS A DIRECTOR To consider and, if thought fit, to pass the following resolution as an Ordinary Resolution: “That Meredith Scott, who retires by rotation, and being eligible, be re-elected as a Director of the Company in accordance with cl
Slide 20: Meredith Scott's Re-Election as a Director
For personal use only Meredith Scott’s Re-Election as a Director Meredith Scott 19
Slide 21: Renewed approval of Equity Incentive Plan
For personal use only Item 4(a) RENEWED APPROVAL OF, AND ISSUE OF SECURITIES UNDER, THE EQUITY INCENTIVE PLAN To consider and, if thought fit, pass the following as an Ordinary Resolution: “That for the purposes of ASX Listing Rule 7.2 Exception 13(b) and for all other purposes, the Equity Incentive
Slide 22: Approval of potential termination benefits under the Equity Incentive Plan
For personal use only Item 4(b) APPROVAL OF POTENTIAL TERMINATION BENEFITS UNDER THE EQUITY INCENTIVE PLAN To consider and, if thought fit, pass the following as an Ordinary Resolution: “That the giving of benefits to any current or future holder of a managerial or executive office in the Group to w
Slide 23: Grant of LTVR performance rights to Group CEO
For personal use only Item 5 GRANT OF LONG-TERM VARIABLE REWARD (LTVR) PERFORMANCE RIGHTS UNDER THE EQUITY INCENTIVE PLAN TO GROUP CEO AND MANAGING DIRECTOR, CYNTHIA SCOTT To consider and, if thought fit, pass the following, as an Ordinary Resolution: “That approval is given for the purposes of ASX
Slide 24: Increase in non-executive directors' fee pool
For personal use only Item 6 INCREASE IN NON-EXECUTIVE DIRECTORS’ FEE POOL To consider and, if thought fit, to pass the following resolution as an Ordinary Resolution: “That approval is given for the purposes of ASX Listing Rule 10.17 and for all other purposes, for the maximum aggregate amount of r
Slide 25: Poll
For personal use only Poll 24
Slide 26: Close of Meeting and Questions
For personal use only Close of Meeting and Questions 25
Slide 27: Thank you
For personal use only Thank you
Slide 28: Disclaimer and important notices
Disclaimer and important notices For personal use only 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 o