Considering buying Zip shares? Here's the view of 7 experts

Zip Co's Q1 shows solid volume growth, with US TTV up 34.1% and revenue up 17%, but net bad debts rose to 1.97% of TTV from 1.65%, plus a US fraud event costing $10.1m in opex. Deteriorating credit quality in BNPL signals mounting strain on lower-income consumers, a cautious read-through for consumer-credit and retail-exposed equities. Impact is company-specific and contained.