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This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
The historical rank and industry rank for Zero Fintech Group's Median PS Value or its related term are showing as below:
HKSE:00093'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.07 Med: 0.24 Max: 0.63
Current: 0.11
During the past 13 years, the highest Price to Median PS Value of Zero Fintech Group was 0.63. The lowest was 0.07. And the median was 0.24.
HKSE:00093's Price-to-Median-PS-Value is ranked better than 96.94% of 294
companies
in the Credit Services industry
Industry Median: 0.96
vs HKSE:00093: 0.11
Zero Fintech Group (HKSE:00093) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
Zero Fintech Group's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
0.34
/
2.97
=
0.11
* 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 Median PS Value Related Terms
Zero Fintech Group Median PS Value Historical Data
* Premium members only.
The historical data trend for Zero Fintech Group's Median PS Value 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: Median PS Value Comparison
For the Credit Services subindustry, Zero Fintech Group's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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 Price-to-Median-PS-Value vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Zero Fintech Group's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where Zero Fintech Group's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 18.1098.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Zero Fintech Group's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was HK$0.164.
* 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 Median PS Value of HK$2.97 as of Sep. 05, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Zero Fintech Group and its competitors. According to the industry distribution chart, Zero Fintech Group ranks #9 out of 294 companies in the Credit Services industry, placing it in the top 3.1%.
Is Zero Fintech Group's Median PS Value too high?
Zero Fintech Group's current Median PS Value is HK$2.97. Based on the distribution chart, Zero Fintech Group ranks #9 out of 294 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 Median PS Value compare to V and MA?
According to the Credit Services industry distribution chart, Zero Fintech Group ranks #9 out of 294 companies for Median PS Value. This places Zero Fintech Group in the top 3% of its industry — outperforming the majority of peers. The industry median Median PS Value is 0.96. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Median PS Value for a Credit Services company?
The median Median PS Value among Credit Services companies is 0.96, based on 294 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Zero Fintech Group and its competitors. For the Credit Services industry, the median Median PS Value is 0.96 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zero Fintech Group's current Median PS Value is HK$2.97. 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 Median PS Value is HK$2.97. 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 Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For Zero Fintech Group (HKSE:00093), the current Median PS Value is HK$2.97 as of Sep. 05, 2026. 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:
Median PS Value: HK$2.97
GF Value™: HK$1.18 vs. price of HK$0.34 (71.2% below fair value)
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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