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Zero Fintech GroupHKSE:00093 62 Operating Margin % is 4.26% as of Dec. 2025, which is 59% below its 10-year median of 10.33. 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 414 Credit Services companies, Zero Fintech Group ranks worse than 52.42% on this metric.
The historical rank and industry rank for Zero Fintech Group's Operating Margin % or its related term are showing as below:
HKSE:00093'
s Operating Margin % Range Over the Past 10 Years
Min: -67.68 Med: 10.33 Max: 67.59
Current: 17.84
HKSE:00093's Operating Margin % is ranked worse than 52.42% of 414
companies
in the Credit Services industry
Industry Median: 19.625
vs HKSE:00093: 17.84
Zero Fintech Group's 5-Year Average Operating Margin % Growth Rate was 0.00% per year.
Zero Fintech Group (HKSE:00093) Operating Margin % Explanation
Just like Gross Margin %, it is important to see a company maintains its operating margin over time. Among the same industry, a company with higher operating margin is more efficient in its operation. It is also more stable during industry slowdown or recessions. Peter Lynch prefers those with higher margins than those with lower margins.
Be Aware
Operating Margin % can be manipulated by adjusting the rate of depreciation, depletion and amortization (DDA).
If a company is facing competition, its Operating Margin % may decline. Often the Operating Margin % declines well before the company's Revenue or even profit decline. Therefore, Operating Margin % is a very important indicator of whether the company is facing problems.
For instance, by 2012, Nokia (NOK)'s problems were well known and its stock had lost more than 90% of its market value since 2007. But Nokias Operating Margin % had already been in decline since 2002, although its Earnings per Share (Diluted) were still rising. Investors who paid attention to Operating Margin % would have avoided this huge loss. The same can be said for Research-in-Motion (RIMM).
Therefore, Operating Margin % is a very important screening filter for GuruFocus. GuruFocus's Buffett-Munger screener requires that the profit margin is either consistent or expanding. The Model Portfolio of the Buffett-Munger screener has outperformed the market every year since inception in 2009.
Zero Fintech Group Operating Margin % Related Terms
Zero Fintech Group Operating Margin % Historical Data
* Premium members only.
The historical data trend for Zero Fintech Group's Operating 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.
HKSE:00093 vs V, MA, AXP: Operating Margin % Comparison
For the Credit Services subindustry, Zero Fintech Group's Operating Margin %, along with its competitors' market caps and Operating 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 Operating Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Zero Fintech Group's Operating Margin % distribution charts can be found below:
* The bar in red indicates where Zero Fintech Group's Operating Margin % falls into.
Operating Margin % - also known as operating income margin, operating profit margin and return on sales (ROS) - is the ratio of Operating Income divided by net sales or Revenue, usually presented in percent.
Zero Fintech Group's Operating Margin % for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Operating Margin % of 4.26% as of Dec. 2025. Operating margin is the ratio of total operating income to net sales. View historical data on Zero Fintech Group and its competitors. This is 59% below median its historical median of 10.33. According to the industry distribution chart, Zero Fintech Group ranks #217 out of 414 companies in the Credit Services industry, placing it in the top 52.4%.
Is Zero Fintech Group's Operating Margin % too high?
Zero Fintech Group's current Operating Margin % of 4.26% is 59% below median its 10-year median of 10.33. The Credit Services industry median Operating Margin % is 19.63. Zero Fintech Group's value of 4.26% is 78.3% below this industry median. Based on the distribution chart, Zero Fintech Group ranks #217 out of 414 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 Operating Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Zero Fintech Group ranks #217 out of 414 companies for Operating Margin %. This places Zero Fintech Group in the lower half of its industry. The industry median Operating Margin % is 19.63. Zero Fintech Group's value of 4.26% is 78.3% below this benchmark. While the company's 10-year median is 10.33 vs. the industry median of 19.63, 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 Operating Margin % for a Credit Services company?
The median Operating Margin % among Credit Services companies is 19.63, based on 414 companies in the industry. Companies in the top quartile (top 25%) have a Operating Margin % significantly above this median, while those in the bottom quartile fall well below. However, Operating Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Zero Fintech Group's current Operating Margin % of 4.26% is 78.3% 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 Operating Margin % mean?
A high Operating Margin % can signal that a stock is expensive relative to its fundamentals. Operating margin is the ratio of total operating income to net sales. View historical data on Zero Fintech Group and its competitors. For the Credit Services industry, the median Operating Margin % is 19.63 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zero Fintech Group's current Operating Margin % is 4.26%, which is 59% below median its own 10-year median of 10.33. 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 Operating Margin % is 4.26%, which is 59% below median its 10-year median of 10.33 and 78.3% below the Credit Services industry median of 19.63. 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 Operating Margin % calculated?
Operating Margin % is calculated from a company's financial statements. For Zero Fintech Group (HKSE:00093), the current Operating Margin % is 4.26% 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:
Operating Margin %: 4.26% (59% below median its 10-year median of 10.33)
GF Value™: HK$1.18 vs. price of HK$0.34 (71.2% below fair value)
Industry Position: 78.3% below the Credit Services median (#217 of 414)
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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