Zero Fintech Group (HKSE:00093) Moat Score: 0/10 (As of Sep. 05, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

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 Moat Score?

Zero Fintech Group has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Zero Fintech Group has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Zero Fintech Group might have No Moat - No discernible moat.

Zero Fintech Group  (HKSE:00093) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Zero Fintech Group Moat Score Related Terms

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

  • Moat Score: 0
  • 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

Moat Score 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