)
Edge20 Feb 2026
Dollar General: The Rural Retailer Playbook
How Dollar General built a small-box empire across rural America, scaling value and convenience into one of retail's most durable business models.
Zip
Zip (ZIP) investor relations material
Zip H1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2026 earnings summary18 Feb, 2026
Executive summary
Delivered record cash earnings of AUD 124.3 million, up 86% year-on-year, with significant operating margin expansion to 18.7% and net profit after tax of AUD 52.4 million, more than doubling year-on-year.
Achieved sustainable, profitable growth at scale with strong operating leverage, particularly in the US market, which now represents 75% of total transaction volume (TTV).
Group TTV reached AUD 8.4 billion, up 34.1% year-on-year, and active customers increased 4.1% to 6.6 million; merchant partners grew 10.5% to 90.6k.
Completed a $100 million on-market share buyback, reflecting strong balance sheet and positive cash flows.
Financial highlights
Total income grew 29.2% year-over-year to $664.0 million, with cash gross profit up 33.5% to $314.3 million and cash EBTDA up 85.6% to $124.3 million.
Statutory net profit after tax increased 127.6% to $52.4 million.
Cash net transaction margin (NTM) held at 3.8%, with interest expense as a percentage of TTV improving to 1.3%.
Net bad debts were 1.7% of TTV, within management targets.
Cash, cash equivalents, and restricted cash increased 37.1% to $537.0 million.
Outlook and guidance
Upgraded FY26 guidance: US TTV growth expected to exceed 40% (USD), with operating margin above 18% and cash EBTDA as a percentage of TTV above 1.4%.
Revenue margin targeted at circa 8% of TTV, cash NTM at 3.8–4.2%.
Second half cash EBTDA expected to be broadly in line with the first half.
Focus remains on sustainable growth and profitability in core markets, with continued investment in product innovation and risk management.
Bad debt provision reduction drivers
Recent funding cost optimization efforts
Explain ANZ active customer decline vs TTV growth
How does Pay-in-2 scale impact U.S. portfolio risk?
What market conditions enable U.S. dual listing?
Detail plans for rent and earned wage access products
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Zip earnings date
H2 202620 Aug, 2026
Zip
Next Zip earnings date
H2 202620 Aug, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Zip Co Limited provides point-of-sale credit, digital retail finance, and payments solutions to consumers, and small and medium sized merchants (SMEs) in Australia, the United Kingdom, the United States, New Zealand, Mexico, and Canada. The company offers Zip Business for online and offline businesses; Zip Money, a personal line of credit that allows customers to pay later for their purchases with flexible interest-free repayments; and Zip Pay, an account that allows users to spend up to an approved credit limit.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage