ZIP, APT, SZL, page-21

Hey mate, no only entered position recently and sitting a touch under, but as this stock is currently about 30%-50% undervalued in the short-term with several hundred percent gains over the medium to long-term that doesn't concern me.

You need to be careful using automated calcs like those on Commsec, Yahoo Finance etc - that figure on Commsec is likely from the full-year results ($'000):
- Borrowings - $1,081,954
- Lease Liability - $8,414

Total interest-bearing debt - $1,090, 386

Equity - $205,400

Debt/Equity = 530.9%

Of course the massively glaring omission from the Commsec calcs is the $1,116,618 in customer receivables that is obviously offsetting the borrowings - as in like all BNPL operators they are using a debt facility to fund purchases, offset by receivables owed by customers. In this way their D/E ratio does not seem to be in the problem zone like companies that are over indebted and at risk of not being able to service debt obligations at some point.

Anyway didn't mean to tee off, it's just been a long week of reading a lot of incredibly crappy, emotional and poorly reasoned opinions on this stock, but if you bagged a 100% gain on this I think that's tops.
All the best.