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Zero Fintech GroupHKSE:00093 62 Interest Coverage is 32.08 as of Dec. 2025, which is 92% below its 10-year median of 408.99. 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 161 Credit Services companies, Zero Fintech Group ranks better than 57.76% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. Zero Fintech Group's
Operating Income
for the
six
months ended in Dec. 2025 was HK$8.5 Mil. Zero Fintech Group's Interest Expense for the
six
months ended in Dec. 2025 was HK$-0.3 Mil.
Zero Fintech Group's interest coverage for the quarter that ended in Dec. 2025 was 32.08.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Zero Fintech Group's Interest Coverage or its related term are showing as below:
HKSE:00093'
s Interest Coverage Range Over the Past 10 Years
Min: 4.85 Med: 408.99 Max: No Debt
Current: 167.57
HKSE:00093's Interest Coverage is ranked better than 57.76% of 161
companies
in the Credit Services industry
Industry Median: 52.24
vs HKSE:00093: 167.57
Zero Fintech Group (HKSE:00093) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Zero Fintech Group Interest Coverage Related Terms
Zero Fintech Group Interest Coverage Historical Data
* Premium members only.
The historical data trend for Zero Fintech Group's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
HKSE:00093 vs V, MA, AXP: Interest Coverage Comparison
For the Credit Services subindustry, Zero Fintech Group's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Zero Fintech Group's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Zero Fintech Group's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 Interest Coverage of 32.08 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Zero Fintech Group and its competitors. This is 92% below median its historical median of 408.99. Over the past decade, Zero Fintech Group's Interest Coverage has ranged from 4.85 to 10,000.00. According to the industry distribution chart, Zero Fintech Group ranks #68 out of 161 companies in the Credit Services industry, placing it in the top 42.2%.
Is Zero Fintech Group's Interest Coverage too high?
Zero Fintech Group's current Interest Coverage of 32.08 is 92% below median its 10-year median of 408.99. Over the past 10 years, this metric has ranged from a low of 4.85 to a high of 10,000.00. The Credit Services industry median Interest Coverage is 52.24. Zero Fintech Group's value of 32.08 is 38.6% below this industry median. Based on the distribution chart, Zero Fintech Group ranks #68 out of 161 companies in the Credit Services industry, which is above 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 Interest Coverage compare to V and MA?
According to the Credit Services industry distribution chart, Zero Fintech Group ranks #68 out of 161 companies for Interest Coverage. This puts Zero Fintech Group in the upper half of its industry. The industry median Interest Coverage is 52.24. Zero Fintech Group's value of 32.08 is 38.6% below this benchmark. Historically, Zero Fintech Group's own Interest Coverage has ranged from 4.85 to 10,000.00 over the past decade. While the company's 10-year median is 408.99 vs. the industry median of 52.24, 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 Interest Coverage for a Credit Services company?
The median Interest Coverage among Credit Services companies is 52.24, based on 161 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Zero Fintech Group's current Interest Coverage of 32.08 is 38.6% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Zero Fintech Group and its competitors. For the Credit Services industry, the median Interest Coverage is 52.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zero Fintech Group's current Interest Coverage is 32.08, which is 92% below median its own 10-year median of 408.99. 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 Interest Coverage is 32.08, which is 92% below median its 10-year median of 408.99 and 38.6% below the Credit Services industry median of 52.24. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Zero Fintech Group (HKSE:00093), the current Interest Coverage is 32.08 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:
Interest Coverage: 32.08 (92% below median its 10-year median of 408.99)
GF Value™: HK$1.18 vs. price of HK$0.34 (71.2% below fair value)
Industry Position: 38.6% below the Credit Services median (#68 of 161)
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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