Zero Fintech Group (HKSE:00093) EBIT: HK$74.8 Mil (TTM As of Dec. 2025)

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HKSE:00093 Zero Fintech Group Ltd HKSE:00093
62 GF Score
Price HK$0.34
GF Value HK$1.18
Valuation Possible Value Trap
! 2 Warning Signs
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What is Zero Fintech Group EBIT?

Zero Fintech Group HKSE:00093 62 EBIT is HK$74.8 Mil as of Dec. 2025. 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.

Zero Fintech Group's earnings before interest and taxes (EBIT) for the six months ended in Dec. 2025 was HK$4.3 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Dec. 2025 was HK$74.8 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Zero Fintech Group's annualized ROC % for the quarter that ended in Dec. 2025 was 0.59%. Zero Fintech Group's annualized ROC (Joel Greenblatt) % for the quarter that ended in Dec. 2025 was 2.95%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. Zero Fintech Group's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Dec. 2025 was 5.76%.


Zero Fintech Group  (HKSE:00093) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Zero Fintech Group's annualized ROC % for the quarter that ended in Dec. 2025 is calculated as:

ROC % (Q: Dec. 2025 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Jun. 2025 ) + Invested Capital (Q: Dec. 2025 ))/ count )
=17.064 * ( 1 - 49.36% )/( (1279.567 + 1644.609)/ 2 )
=8.6412096/1462.088
=0.59 %

where

Invested Capital(Q: Jun. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=1465.351 - 27.887 - ( 157.897 - max(0, 132.786 - 505.584+157.897))
=1279.567

Invested Capital(Q: Dec. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=1738.826 - 25.897 - ( 182.615 - max(0, 517.445 - 585.765+182.615))
=1644.609

Note: The Operating Income data used here is two times the semi-annual (Dec. 2025) data.

2. Joel Greenblatt's definition of Return on Capital:

Zero Fintech Group's annualized ROC (Joel Greenblatt) % for the quarter that ended in Dec. 2025 is calculated as:

ROC (Joel Greenblatt) %(Q: Dec. 2025 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Jun. 2025  Q: Dec. 2025
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=8.604/( ( (203.599 + max(65.564, 0)) + (205.321 + max(108.157, 0)) )/ 2 )
=8.604/( ( 269.163 + 313.478 )/ 2 )
=8.604/291.3205
=2.95 %

where Working Capital is:

Working Capital(Q: Jun. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0 + 53.926 + 43.011) - (27.887 + 0 + 3.486)
=65.564

Working Capital(Q: Dec. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0 + 54.474 + 86.004) - (25.897 + 0 + 6.424)
=108.157

When net working capital is negative, 0 is used.

Note: The EBIT data used here is two times the semi-annual (Dec. 2025) EBIT data.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

Zero Fintech Group's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Dec. 2025 )
=74.776/1297.363
=5.76 %

* 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 EBIT Related Terms


Zero Fintech Group EBIT Historical Data

* Premium members only.

The historical data trend for Zero Fintech Group's EBIT 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.

Zero Fintech Group EBIT Chart

Zero Fintech Group Annual Data
Trend Mar16 Mar17 Mar18 Mar19 Mar20 Dec21 Dec22 Dec23 Dec24 Dec25
EBIT
Get a 7-Day Free Trial Premium Member Only Premium Member Only 38.93 32.88 27.16 37.10 29.25

Zero Fintech Group Semi-Annual Data
Sep16 Mar17 Sep17 Mar18 Sep18 Mar19 Sep19 Mar20 Sep20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25 Jun26
EBIT Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 20.43 16.66 24.95 4.30 70.47

HKSE:00093 vs V, MA, AXP: EBIT Comparison

For the Credit Services subindustry, Zero Fintech Group's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Zero Fintech Group's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where Zero Fintech Group's EV-to-EBIT falls into.


HKSE:00093
62GF Score
Zero Fintech Group Ltd HKSE:00093
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Zero Fintech Group EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Dec. 2025 adds up the semi-annually data reported by the company within the most recent 12 months, which was HK$74.8 Mil.

* 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.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of HK$74.8 Mil mean?
Zero Fintech Group (HKSE:00093) has a EBIT of HK$74.8 Mil as of Dec. 2025. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Zero Fintech Group.
Is Zero Fintech Group's EBIT too high?
Zero Fintech Group's current EBIT is HK$74.8 Mil. 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 EBIT compare to V and MA?
Zero Fintech Group's EBIT of HK$74.8 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBIT for a Credit Services company?
A good EBIT depends on the Credit Services industry context. However, EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Zero Fintech Group. Zero Fintech Group's current EBIT is HK$74.8 Mil. 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 EBIT is HK$74.8 Mil. 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 EBIT calculated?
EBIT is calculated from a company's financial statements. For Zero Fintech Group (HKSE:00093), the current EBIT is HK$74.8 Mil 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:

  • EBIT: HK$74.8 Mil
  • GF Value™: HK$1.18 vs. price of HK$0.34 (71.2% below fair value)
  • GF Score™: 62/100 with 2 warning signs

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 Business Description

Address 183 Queen’s Road Central, Room 2107-08, 21st Floor, Cosco Tower, Sheung Wan, Hong Kong, HKG
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

Get the complete analysis for HKSE:00093

EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

HK$0.34
Price
HK$1.18
GF Value