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Zero Fintech GroupHKSE:00093 62 Current Ratio is 1.13 as of Dec. 2025, which is 91% below its 10-year median of 12.00. GuruFocus rates HKSE:00093 with a GF Score™ of 62/100 and a GF Value™ of HK$1.18 (Possible Value Trap). The stock has 2 warning signs investors should review. Among 402 Credit Services companies, Zero Fintech Group ranks worse than 95.02% on this metric.
The current ratio is a liquidity ratio that measures a company's ability to pay short-term obligations. It is calculated as a company's Total Current Assets divides by its Total Current Liabilities. Zero Fintech Group's current ratio for the quarter that ended in Dec. 2025 was 1.13.
Zero Fintech Group has a current ratio of 1.13. It generally indicates good short-term financial strength.
The historical rank and industry rank for Zero Fintech Group's Current Ratio or its related term are showing as below:
HKSE:00093'
s Current Ratio Range Over the Past 10 Years
Min: 0.65 Med: 12 Max: 21.56
Current: 0.65
During the past 13 years, Zero Fintech Group's highest Current Ratio was 21.56. The lowest was 0.65. And the median was 12.00.
HKSE:00093's Current Ratio is ranked worse than 95.02% of 402
companies
in the Credit Services industry
Industry Median: 2.99
vs HKSE:00093: 0.65
Zero Fintech Group (HKSE:00093) Current Ratio Explanation
The current ratio can give a sense of the efficiency of a company's operating cycle or its ability to turn its product into cash. Companies that have trouble getting paid on their receivables or have long inventory turnover can run into liquidity problems because they are unable to alleviate their obligations. Because business operations differ in each industry, it is always more useful to compare companies within the same industry.
Acceptable current ratios vary from industry to industry and are generally between 1 and 3 for healthy businesses.
The higher the current ratio, the more capable the company is of paying its obligations. A ratio under 1 suggests that the company would be unable to pay off its obligations if they came due at that point. While this shows the company is not in good financial health, it does not necessarily mean that it will go bankrupt - as there are many ways to access financing - but it is definitely not a good sign.
If all other things were equal, a creditor, who is expecting to be paid in the next 12 months, would consider a high current ratio to be better than a low current ratio, because a high current ratio means that the company is more likely to meet its liabilities which fall due in the next 12 months.
Zero Fintech Group Current Ratio Related Terms
Zero Fintech Group Current Ratio Historical Data
* Premium members only.
The historical data trend for Zero Fintech Group's Current Ratio 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: Current Ratio Comparison
For the Credit Services subindustry, Zero Fintech Group's Current Ratio, along with its competitors' market caps and Current Ratio 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 Current Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Zero Fintech Group's Current Ratio distribution charts can be found below:
* The bar in red indicates where Zero Fintech Group's Current Ratio falls into.
* 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 Current Ratio of 1.13 as of Dec. 2025. This is 91% below median its historical median of 12.00. Over the past decade, Zero Fintech Group's Current Ratio has ranged from 0.65 to 21.56. According to the industry distribution chart, Zero Fintech Group ranks #382 out of 402 companies in the Credit Services industry, placing it in the top 95%.
Is Zero Fintech Group's Current Ratio too high?
Zero Fintech Group's current Current Ratio of 1.13 is 91% below median its 10-year median of 12.00. Over the past 10 years, this metric has ranged from a low of 0.65 to a high of 21.56. The Credit Services industry median Current Ratio is 2.99. Zero Fintech Group's value of 1.13 is 62.2% below this industry median. Based on the distribution chart, Zero Fintech Group ranks #382 out of 402 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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 Current Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Zero Fintech Group ranks #382 out of 402 companies for Current Ratio. This places Zero Fintech Group in the lower half of its industry. The industry median Current Ratio is 2.99. Zero Fintech Group's value of 1.13 is 62.2% below this benchmark. Historically, Zero Fintech Group's own Current Ratio has ranged from 0.65 to 21.56 over the past decade. While the company's 10-year median is 12.00 vs. the industry median of 2.99, Zero Fintech Group has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Current Ratio for a Credit Services company?
The median Current Ratio among Credit Services companies is 2.99, based on 402 companies in the industry. Companies in the top quartile (top 25%) have a Current Ratio significantly above this median, while those in the bottom quartile fall well below. However, Current Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Zero Fintech Group's current Current Ratio of 1.13 is 62.2% below 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 Current Ratio mean?
A high Current Ratio can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median Current Ratio is 2.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zero Fintech Group's current Current Ratio is 1.13, which is 91% below median its own 10-year median of 12.00. 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 Current Ratio is 1.13, which is 91% below median its 10-year median of 12.00 and 62.2% below the Credit Services industry median of 2.99. 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 Current Ratio calculated?
Current Ratio is calculated from a company's financial statements. For Zero Fintech Group (HKSE:00093), the current Current Ratio is 1.13 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:
Current Ratio: 1.13 (91% below median its 10-year median of 12.00)
GF Value™: HK$1.18 vs. price of HK$0.34 (71.2% below fair value)
Industry Position: 62.2% below the Credit Services median (#382 of 402)
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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