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Zero Fintech GroupHKSE:00093 62 ROA % is 0.26% as of Dec. 2025, which is 76% below its 10-year median of 1.07. 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 546 Credit Services companies, Zero Fintech Group ranks better than 68.86% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Zero Fintech Group's annualizedNet Income for the quarter that ended in Dec. 2025 was HK$4.1 Mil.
Zero Fintech Group's average Total Assets over the quarter that ended in Dec. 2025 was HK$1,602.1 Mil. Therefore, Zero Fintech Group's annualized ROA % for the quarter that ended in Dec. 2025 was 0.26%.
The historical rank and industry rank for Zero Fintech Group's ROA % or its related term are showing as below:
HKSE:00093'
s ROA % Range Over the Past 10 Years
Min: -38.32 Med: 1.07 Max: 8.37
Current: 3.51
During the past 13 years, Zero Fintech Group's highest ROA % was 8.37%. The lowest was -38.32%. And the median was 1.07%.
HKSE:00093's ROA % is ranked better than 68.86% of 546
companies
in the Credit Services industry
Industry Median: 2
vs HKSE:00093: 3.51
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Zero Fintech Group ROA % Related Terms
Zero Fintech Group ROA % Historical Data
* Premium members only.
The historical data trend for Zero Fintech Group's ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Zero Fintech Group's ROA % distribution charts can be found below:
* The bar in red indicates where Zero Fintech Group's ROA % 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is two times the semi-annual (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
Zero Fintech Group (HKSE:00093) has a ROA % of 0.26% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Zero Fintech Group and its competitors. This is 76% below median its historical median of 1.07. According to the industry distribution chart, Zero Fintech Group ranks #170 out of 546 companies in the Credit Services industry, placing it in the top 31.1%.
Is Zero Fintech Group's ROA % too high?
Zero Fintech Group's current ROA % of 0.26% is 76% below median its 10-year median of 1.07. The Credit Services industry median ROA % is 2.00. Zero Fintech Group's value of 0.26% is 87% below this industry median. Based on the distribution chart, Zero Fintech Group ranks #170 out of 546 companies in the Credit Services industry, which is above 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 ROA % compare to V and MA?
According to the Credit Services industry distribution chart, Zero Fintech Group ranks #170 out of 546 companies for ROA %. This puts Zero Fintech Group in the upper half of its industry. The industry median ROA % is 2.00. Zero Fintech Group's value of 0.26% is 87% below this benchmark. While the company's 10-year median is 1.07 vs. the industry median of 2.00, 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 ROA % for a Credit Services company?
The median ROA % among Credit Services companies is 2.00, based on 546 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Zero Fintech Group's current ROA % of 0.26% is 87% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Zero Fintech Group and its competitors. For the Credit Services industry, the median ROA % is 2.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zero Fintech Group's current ROA % is 0.26%, which is 76% below median its own 10-year median of 1.07. 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 ROA % is 0.26%, which is 76% below median its 10-year median of 1.07 and 87% below the Credit Services industry median of 2.00. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Zero Fintech Group (HKSE:00093), the current ROA % is 0.26% 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:
ROA %: 0.26% (76% below median its 10-year median of 1.07)
GF Value™: HK$1.18 vs. price of HK$0.34 (71.2% below fair value)
Industry Position: 87% below the Credit Services median (#170 of 546)
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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