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Zero Fintech GroupHKSE:00093 62 Net Margin % is 1.02% as of Dec. 2025, which is 83% below its 10-year median of 6.00. 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 533 Credit Services companies, Zero Fintech Group ranks worse than 55.35% on this metric.
Zero Fintech Group (HKSE:00093) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Zero Fintech Group Net Margin % Related Terms
Zero Fintech Group Net Margin % Historical Data
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The historical data trend for Zero Fintech Group's Net 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.
For the Credit Services subindustry, Zero Fintech Group's Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Zero Fintech Group's Net Margin % distribution charts can be found below:
* The bar in red indicates where Zero Fintech Group's Net 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.
Zero Fintech Group (HKSE:00093) has a Net Margin % of 1.02% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Zero Fintech Group and its competitors. This is 83% below median its historical median of 6.00. According to the industry distribution chart, Zero Fintech Group ranks #295 out of 533 companies in the Credit Services industry, placing it in the top 55.3%.
Is Zero Fintech Group's Net Margin % too high?
Zero Fintech Group's current Net Margin % of 1.02% is 83% below median its 10-year median of 6.00. The Credit Services industry median Net Margin % is 15.43. Zero Fintech Group's value of 1.02% is 93.4% below this industry median. Based on the distribution chart, Zero Fintech Group ranks #295 out of 533 companies in the Credit Services industry, which is below 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 Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Zero Fintech Group ranks #295 out of 533 companies for Net Margin %. This places Zero Fintech Group in the lower half of its industry. The industry median Net Margin % is 15.43. Zero Fintech Group's value of 1.02% is 93.4% below this benchmark. While the company's 10-year median is 6.00 vs. the industry median of 15.43, 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 Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 15.43, based on 533 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Zero Fintech Group's current Net Margin % of 1.02% is 93.4% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Zero Fintech Group and its competitors. For the Credit Services industry, the median Net Margin % is 15.43 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zero Fintech Group's current Net Margin % is 1.02%, which is 83% below median its own 10-year median of 6.00. 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 Margin % is 1.02%, which is 83% below median its 10-year median of 6.00 and 93.4% below the Credit Services industry median of 15.43. 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 Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Zero Fintech Group (HKSE:00093), the current Net Margin % is 1.02% 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 Margin %: 1.02% (83% below median its 10-year median of 6.00)
GF Value™: HK$1.18 vs. price of HK$0.34 (71.2% below fair value)
Industry Position: 93.4% below the Credit Services median (#295 of 533)
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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