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Zero Fintech GroupHKSE:00093 62 Gross Margin % is 85.49% as of Dec. 2025, which is 9% above its 10-year median of 78.44. 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 387 Credit Services companies, Zero Fintech Group ranks better than 89.15% on this metric.
Zero Fintech Group (HKSE:00093) Gross Margin % Explanation
Warren Buffett believes that firms with excellent long term economics tend to have consistently higher margins.
Durable competitive advantage creates a high Gross Margin % because of the freedom to price in excess of cost. Companies can be categorized by their Gross Margin %
1. Greater than 40% = Durable competitive advantage
2. Less than 40% = Competition eroding margins
3. Less than 20% = no sustainable competitive advantage
Consistency of Gross Margin is key
Zero Fintech Group had a gross margin of 85.49% for the quarter that ended in Dec. 2025 => Durable competitive advantage
Be Aware
If a company loses its competitive advantages, usually its gross margin declines well before its sales declines. Watching Gross Margin % and Operating Margin % closely helps avoid value trap situations.
Zero Fintech Group Gross Margin % Related Terms
Zero Fintech Group Gross Margin % Historical Data
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The historical data trend for Zero Fintech Group's Gross 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: Gross Margin % Comparison
For the Credit Services subindustry, Zero Fintech Group's Gross Margin %, along with its competitors' market caps and Gross 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 Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Zero Fintech Group's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Zero Fintech Group's Gross 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.
A positive Gross Profit is only the first step for a company to make a net profit. The gross profit needs to be big enough to also cover related labor, equipment, rental, marketing/advertising, research and development and a lot of other costs in selling the products.
Zero Fintech Group (HKSE:00093) has a Gross Margin % of 85.49% as of Dec. 2025. Gross margin is the ratio of total gross profit to net sales. View historical data on Zero Fintech Group and its competitors. This is near median its historical median of 78.44. Over the past decade, Zero Fintech Group's Gross Margin % has ranged from 30.89 to 98.58. According to the industry distribution chart, Zero Fintech Group ranks #42 out of 387 companies in the Credit Services industry, placing it in the top 10.9%.
Is Zero Fintech Group's Gross Margin % too high?
Zero Fintech Group's current Gross Margin % of 85.49% is near median its 10-year median of 78.44. Over the past 10 years, this metric has ranged from a low of 30.89 to a high of 98.58. The Credit Services industry median Gross Margin % is 50.82. Zero Fintech Group's value of 85.49% is 68.2% above this industry median. Based on the distribution chart, Zero Fintech Group ranks #42 out of 387 companies in the Credit Services industry, which is in the top quartile — a strong position 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 Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Zero Fintech Group ranks #42 out of 387 companies for Gross Margin %. This places Zero Fintech Group in the top 11% of its industry — outperforming the majority of peers. The industry median Gross Margin % is 50.82. Zero Fintech Group's value of 85.49% is 68.2% above this benchmark. Historically, Zero Fintech Group's own Gross Margin % has ranged from 30.89 to 98.58 over the past decade. While the company's 10-year median is 78.44 vs. the industry median of 50.82, Zero Fintech Group has consistently been above 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 Gross Margin % for a Credit Services company?
The median Gross Margin % among Credit Services companies is 50.82, based on 387 companies in the industry. Companies in the top quartile (top 25%) have a Gross Margin % significantly above this median, while those in the bottom quartile fall well below. However, Gross Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Zero Fintech Group's current Gross Margin % of 85.49% is 68.2% 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 Gross Margin % mean?
A high Gross Margin % can signal that a stock is expensive relative to its fundamentals. Gross margin is the ratio of total gross profit to net sales. View historical data on Zero Fintech Group and its competitors. For the Credit Services industry, the median Gross Margin % is 50.82 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zero Fintech Group's current Gross Margin % is 85.49%, which is near median its own 10-year median of 78.44. 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 Gross Margin % is 85.49%, which is near median its 10-year median of 78.44 and 68.2% above the Credit Services industry median of 50.82. 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 Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For Zero Fintech Group (HKSE:00093), the current Gross Margin % is 85.49% 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:
Gross Margin %: 85.49% (near median its 10-year median of 78.44)
GF Value™: HK$1.18 vs. price of HK$0.34 (71.2% below fair value)
Industry Position: 68.2% above the Credit Services median (#42 of 387)
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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