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Zero Fintech GroupHKSE:00093 62 EBITDA Margin % is 2.15% as of Dec. 2025, which is 84% below its 10-year median of 13.43. 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 416 Credit Services companies, Zero Fintech Group ranks worse than 58.17% on this metric.
EBITDA Margin % is calculated as EBITDA divided by its Revenue. Zero Fintech Group's EBITDA for the
six
months ended in Dec. 2025 was HK$4.3 Mil. Zero Fintech Group's Revenue for the
six
months ended in Dec. 2025 was HK$200.1 Mil. Therefore, Zero Fintech Group's EBITDA margin for the quarter that ended in Dec. 2025 was 2.15%.
Zero Fintech Group (HKSE:00093) EBITDA Margin % Explanation
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
Zero Fintech Group EBITDA Margin % Related Terms
Zero Fintech Group EBITDA Margin % Historical Data
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The historical data trend for Zero Fintech Group's EBITDA Margin % 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: EBITDA Margin % Comparison
For the Credit Services subindustry, Zero Fintech Group's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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 EBITDA Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Zero Fintech Group's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where Zero Fintech Group's EBITDA Margin % 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 EBITDA Margin % of 2.15% as of Dec. 2025. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Zero Fintech Group and its competitors. This is 84% below median its historical median of 13.43. According to the industry distribution chart, Zero Fintech Group ranks #242 out of 416 companies in the Credit Services industry, placing it in the top 58.2%.
Is Zero Fintech Group's EBITDA Margin % too high?
Zero Fintech Group's current EBITDA Margin % of 2.15% is 84% below median its 10-year median of 13.43. The Credit Services industry median EBITDA Margin % is 23.26. Zero Fintech Group's value of 2.15% is 90.8% below this industry median. Based on the distribution chart, Zero Fintech Group ranks #242 out of 416 companies in the Credit Services industry, which is below the industry midpoint. 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 EBITDA Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Zero Fintech Group ranks #242 out of 416 companies for EBITDA Margin %. This places Zero Fintech Group in the lower half of its industry. The industry median EBITDA Margin % is 23.26. Zero Fintech Group's value of 2.15% is 90.8% below this benchmark. While the company's 10-year median is 13.43 vs. the industry median of 23.26, 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 EBITDA Margin % for a Credit Services company?
The median EBITDA Margin % among Credit Services companies is 23.26, based on 416 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Zero Fintech Group's current EBITDA Margin % of 2.15% is 90.8% 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 EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Zero Fintech Group and its competitors. For the Credit Services industry, the median EBITDA Margin % is 23.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zero Fintech Group's current EBITDA Margin % is 2.15%, which is 84% below median its own 10-year median of 13.43. 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 EBITDA Margin % is 2.15%, which is 84% below median its 10-year median of 13.43 and 90.8% below the Credit Services industry median of 23.26. 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 EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For Zero Fintech Group (HKSE:00093), the current EBITDA Margin % is 2.15% 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:
EBITDA Margin %: 2.15% (84% below median its 10-year median of 13.43)
GF Value™: HK$1.18 vs. price of HK$0.34 (71.2% below fair value)
Industry Position: 90.8% below the Credit Services median (#242 of 416)
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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