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Zero Fintech Group's Days Sales Outstanding for the
six
months ended in Dec. 2025 was 0.
Zero Fintech Group's Days Inventory for the
six
months ended in Dec. 2025 was 340.63.
Zero Fintech Group's Days Payable for the
six
months ended in Dec. 2025 was 0.
Therefore, Zero Fintech Group's Cash Conversion Cycle (CCC) for the
six
months ended in Dec. 2025 was 340.63.
Zero Fintech Group (HKSE:00093) Cash Conversion Cycle Explanation
Generally, the lower this number is, the better for the company. Although it should be combined with other metrics (such as ROE % and ROA %), it can be especially useful for comparing close competitors, because the company with the lowest CCC is often the one with better management.
Be Aware
CCC is most effective with retail-type companies, which have inventories that are sold to customers. Consulting businesses, software companies and insurance companies are all examples of companies for whom this metric is meaningless.
The CCC is one of several tools that can help you evaluate management, especially if it is calculated for several consecutive time periods and for several competitors. Decreasing or steady CCCs are good, while rising ones should motivate you to dig a bit deeper.
Zero Fintech Group Cash Conversion Cycle Related Terms
Zero Fintech Group Cash Conversion Cycle Historical Data
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The historical data trend for Zero Fintech Group's Cash Conversion Cycle can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
HKSE:00093 vs V, MA, AXP: Cash Conversion Cycle Comparison
For the Credit Services subindustry, Zero Fintech Group's Cash Conversion Cycle, along with its competitors' market caps and Cash Conversion Cycle data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Zero Fintech Group Cash Conversion Cycle vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Zero Fintech Group's Cash Conversion Cycle distribution charts can be found below:
* The bar in red indicates where Zero Fintech Group's Cash Conversion Cycle falls into.
Zero Fintech Group Cash Conversion Cycle Calculation
Cash Conversion Cycle (CCC) measures how fast a company can convert cash on hand into even more cash on hand. This metric looks at the amount of time needed to sell inventory, the amount of time needed to collect receivables and the length of time the company is afforded to pay its bills without incurring penalties.
Cash Conversion Cycle is one of several measures of management effectiveness.
Zero Fintech Group's Cash Conversion Cycle for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Zero Fintech Group (HKSE:00093) has a Cash Conversion Cycle of 340.63 as of Dec. 2025. Cash conversion cycle equals sum of days inventory and days sales outstanding less days payable. View historical data on Zero Fintech Group and its competitors.
Is Zero Fintech Group's Cash Conversion Cycle too high?
Zero Fintech Group's current Cash Conversion Cycle is 340.63. The Credit Services industry median Cash Conversion Cycle is 1.27. Zero Fintech Group's value of 340.63 is 26827.3% above this industry median. Overall, Zero Fintech Group has a GF Score™ of 62/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Zero Fintech Group's Cash Conversion Cycle compare to V and MA?
Zero Fintech Group's Cash Conversion Cycle of 340.63 can be compared against companies in the Credit Services industry. The industry median Cash Conversion Cycle is 1.27. Zero Fintech Group's value of 340.63 is 26827.3% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Conversion Cycle for a Credit Services company?
The median Cash Conversion Cycle among Credit Services companies is 1.27, based on 376 companies in the industry. Companies in the top quartile (top 25%) have a Cash Conversion Cycle significantly above this median, while those in the bottom quartile fall well below. However, Cash Conversion Cycle should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Zero Fintech Group's current Cash Conversion Cycle of 340.63 is 26827.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Conversion Cycle mean?
A high Cash Conversion Cycle can signal that a stock is expensive relative to its fundamentals. Cash conversion cycle equals sum of days inventory and days sales outstanding less days payable. View historical data on Zero Fintech Group and its competitors. For the Credit Services industry, the median Cash Conversion Cycle is 1.27 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zero Fintech Group's current Cash Conversion Cycle is 340.63. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Zero Fintech Group stock overvalued right now?
Based on GuruFocus' analysis, Zero Fintech Group (HKSE:00093) is currently considered Possible Value Trap. The stock's GF Value™ is HK$1.18, compared to a current price of HK$0.34 — trading 71.2% below its estimated fair value. The current Cash Conversion Cycle is 340.63 and 26827.3% above the Credit Services industry median of 1.27. Zero Fintech Group's overall GF Score™ is 62/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Conversion Cycle calculated?
Cash Conversion Cycle is calculated from a company's financial statements. For Zero Fintech Group (HKSE:00093), the current Cash Conversion Cycle is 340.63 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Zero Fintech Group (HKSE:00093) Overvalued in 2026?
Based on GuruFocus' analysis, Zero Fintech Group stock appears to be undervalued.
The current stock price of HK$0.34 is trading 71.2% below its estimated GF Value™ of HK$1.18.
GuruFocus considers Zero Fintech Group to be Possible Value Trap.
Key valuation signals for HKSE:00093:
Cash Conversion Cycle: 340.63
GF Value™: HK$1.18 vs. price of HK$0.34 (71.2% below fair value)
Industry Position: 26827.3% above the Credit Services median
No single metric tells the full story. See the HKSE:00093 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Zero Fintech Group Ltd is an investment holding company. Along with its subsidiaries, the company is engaged in property development and investment business in Hong Kong and the PRC, and money lending business in Hong Kong. The group's reportable segments are Property development and investment; and Money Lending. A majority of its revenue is generated from the Money Lending segment, which provides mortgage and personal loan financing to customers in Hong Kong. Property development and investment segment includes Property development for sale of properties in the PRC and property investment for letting of properties in Hong Kong and the PRC. Geographically, the group operates in Hong Kong and the PRC, of which Hong Kong derives maximum revenue.
62GF Score
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