5 best ASX fintech stocks

Technology is transforming finance faster than ever, and these ASX fintech powerhouses are leading the charge with smarter payments and other scalable solutions for the modern economy.

Zip Co Limited (ASX: ZIP)

is one of the top fintech names in Australia showing a good start to FY26 with good growth across Australia, New Zealand and the U.S. 
The company posted record quarterly cash EBTDA of about $62.8 million which is almost 100% higher than last year and total transaction volume reached $3.9 billion which shows how its customer and merchant base keeps expanding.
Zip is expecting this growth to continue, especially in the U.S. where transaction volumes could grow more than 40% this year. 
With its global presence increasing, profits improving and customers getting more engaged, Zip is becoming one of the main fintech players to watch as digital payments keep growing.

EML Payments Limited (ASX: EML) 

has been showing steady progress as it keeps working on simplifying its business as the main focus during 2025 was on making one single global platform and getting back on track after a restructuring phase.

The company’s revenue went up by 9% to $220.9 million and underlying EBITDA jumped 13% to $58.6 million.
The company plans to increase its transaction volumes and overall revenue through new customers and product innovation under its “EML 2.0” plan.
With good cash flow and more partnerships coming in, EML Payments looks to be slowly moving from a turnaround phase to becoming a stable and growing fintech business.

Tyro Payments Limited (ASX: TYR) 

helps thousands of small and medium businesses across retail, hospitality and healthcare. 
For FY25, Tyro posted a gross profit of around $220 million and EBITDA of 61.6 million showing stable growth and good control over costs. 
The improvement in margins show that Tyro is moving towards stronger and more steady profits and It also started using more AI based tools to make customer service better, automate tasks and improve speed of support.
Tyro expects transaction volumes to keep growing along with better margins in FY26 and this will be supported by new tie-ups in enterprise and healthcare sectors.

Iress Limited (ASX: IRE) 

is becoming a more focused and efficient fintech company after finishing a big transformation program.
The company has made its structure simpler, improved its balance sheet and shifted focus mainly on its core trading and wealth management tech platforms in Australia, UK and other key markets.
For the half year ended June 2025, its revenue went up by 6.8% to $249.4 million and adjusted EBITDA grew by 8.7% to $60.2 million showing better profitability and stable client demand.
About 90% of its revenue is recurring and the company has excellent client retention among big financial institutions.
Iress is planning to cut more costs and put those savings into product innovation, data insights and AI automation tools.

Cuscal Limited (ASX: CCL) 

has kept up a steady growth since getting listed and is now seen as one of Australia’s key names in digital payments and fintech services.
The company mainly works on safe transaction processing, card services and data based financial solutions for banks and even some government clients.
For FY25, Cuscal posted a net profit after tax of about $38.4 million which is up 17% from last year helped by strong transaction growth and tight cost control.
Moving forward, Cuscal is now working on the Indue acquisition which will help it expand its customer base, improve operating synergies and make its position stronger in the payments system of Australia.

(Source: Company Announcements)