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.
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.
Zero Fintech GroupHKSE:00093 62 Net Current Asset Value is HK$-0.01 as of Dec. 2025. GuruFocus rates HKSE:00093 with a GF Score™ of 62/100 and a GF Value™ of HK$1.18 (Possible Value Trap). The stock has 2 warning signs investors should review. Among 269 Credit Services companies, Zero Fintech Group ranks worse than 371746.84% on this metric.
In calculating the Net Current Asset Value (NCAV), Benjamin Graham means a company's current assets (such as cash, marketable securities, and inventories) minus its total liabilities (including preferred stock, minority interest, and long-term debt).
Zero Fintech Group's net current asset value per share for the quarter that ended in Dec. 2025 was HK$-0.01.
The historical rank and industry rank for Zero Fintech Group's Net Current Asset Value or its related term are showing as below:
During the past 13 years, the highest Price-to-Net-Current-Asset-Value Ratio of Zero Fintech Group was 10.00. The lowest was 2.38. And the median was 3.28.
HKSE:00093's Price-to-Net-Current-Asset-Value is not ranked *
in the Credit Services industry.
Industry Median: 1.97 * Ranked among companies with meaningful Price-to-Net-Current-Asset-Value only.
Zero Fintech Group (HKSE:00093) Net Current Asset Value Explanation
Benjamin Graham first discussed net current asset value (NCAV) in the 1934 edition of "Security Analysis", which he coauthored with David Dodd. In the book, (net) current asset value is defined as:" current assets alone, minus all liabilities and claims ahead of the issue."
The common definition of NCAV is: NCAV = current assets – [total liabilities + minority interest + preferred stock]
Net current assets exclude not only the intangible assets but also the fixed and miscellaneous assets. In addition, Graham believed that preferred stock belongs on the liability side of the balance sheet, not as part of capital and surplus. In "Security Analysis", preferred stock is dubbed "an imperfect creditorship position" that is best placed on the balance sheet alongside funded debt.
One research study, covering the years 1970 through 1983 showed that portfolios picked at the beginning of each year, and held for one year, returned 29.4 percent, on average, over the 13-year period, compared to 11.5 percent for the S&P 500 Index. Other studies of Grahams strategy produced similar results.
Benjamin Graham looked for companies whose market values were less than two-thirds of their Net-Net Working Capital. They are collected under our Net-Net screener.
Zero Fintech Group Net Current Asset Value Related Terms
Zero Fintech Group Net Current Asset Value Historical Data
* Premium members only.
The historical data trend for Zero Fintech Group's Net Current Asset 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: Net Current Asset Value Comparison
For the Credit Services subindustry, Zero Fintech Group's Price-to-Net-Current-Asset-Value, along with its competitors' market caps and Price-to-Net-Current-Asset-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-Net-Current-Asset-Value vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Zero Fintech Group's Price-to-Net-Current-Asset-Value distribution charts can be found below:
* The bar in red indicates where Zero Fintech Group's Price-to-Net-Current-Asset-Value 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.
What does a Net Current Asset Value of HK$-0.01 mean?
Zero Fintech Group (HKSE:00093) has a Net Current Asset Value of HK$-0.01 as of Dec. 2025. Ben Graham's net current asset value equals the per-share value of total current assets less total liabilities. View historical data on Zero Fintech Group and its competitors. According to the industry distribution chart, Zero Fintech Group ranks #999999 out of 269 companies in the Credit Services industry.
Is Zero Fintech Group's Net Current Asset Value too high?
Zero Fintech Group's current Net Current Asset Value is HK$-0.01. Based on the distribution chart, Zero Fintech Group ranks #999999 out of 269 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Zero Fintech Group has a GF Score™ of 62/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Zero Fintech Group's Net Current Asset Value compare to V and MA?
According to the Credit Services industry distribution chart, Zero Fintech Group ranks #999999 out of 269 companies for Net Current Asset Value. This places Zero Fintech Group in the lower half of its industry. The industry median Net Current Asset Value is 1.97. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Current Asset Value for a Credit Services company?
The median Net Current Asset Value among Credit Services companies is 1.97, based on 269 companies in the industry. Companies in the top quartile (top 25%) have a Net Current Asset Value significantly above this median, while those in the bottom quartile fall well below. However, Net Current Asset Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Current Asset Value mean?
A high Net Current Asset Value can signal that a stock is expensive relative to its fundamentals. Ben Graham's net current asset value equals the per-share value of total current assets less total liabilities. View historical data on Zero Fintech Group and its competitors. For the Credit Services industry, the median Net Current Asset Value is 1.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zero Fintech Group's current Net Current Asset Value is HK$-0.01. 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$0.34 — trading 71.2% below its estimated fair value. The current Net Current Asset Value is HK$-0.01. 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 Net Current Asset Value calculated?
Net Current Asset Value is calculated from a company's financial statements. For Zero Fintech Group (HKSE:00093), the current Net Current Asset Value is HK$-0.01 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$1.18.
GuruFocus considers Zero Fintech Group to be Possible Value Trap.
Key valuation signals for HKSE:00093:
Net Current Asset Value: HK$-0.01
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
Get the complete analysis for HKSE:00093
Net Current Asset Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
HKSE:00093 has been successfully added to your 
