Are ZIP shares or SCG shares better value in 2026?

Zip Co Ltd (ZIP) - Zip Co Ltd has seen a share price increase of 12.8% since the beginning of 2025, indicating positive market sentiment towards the company [1] - Zip specializes in buy-now-pay-later (BNPL) services, providing customers with the ability to make purchases instantly and pay in interest-free installments [2] - The company operates globally, partnering with over 79,300 retailers and serving more than 6 million customers [2] - Zip's revenue has grown at a rate of 75.7% per year since 2021, reaching $868 million in FY24, while net profit has improved from -$678 million to $6 million during the same period [6] - The return on equity (ROE) for Zip is reported at 1.8% [6] Scentre Group (SCG) - Scentre Group is a real estate company focused on shopping centers, managing a portfolio of 42 centers valued at over $34 billion, with an occupancy rate exceeding 99% [3][4] - The company attracts more than half a billion visitors annually, indicating strong consumer interest [3] - In CY23, Scentre Group reported a debt/equity ratio of 87.3%, suggesting that the company has more equity than debt [7] - SCG has maintained an average dividend yield of 4.8% per year since 2020, which is attractive for income-focused investors [8] - The ROE for Scentre Group in CY23 is reported at 1.0%, which is below the expected threshold of 10% for a mature business [8]