Z Fin (SNLKF) Short-Term Debt: $41.20 Mil (As of Dec. 2025)

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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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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.

SNLKF Z Fin Ltd SNLKF
59 GF Score
Price $0.33
GF Value $0.32
! 5 Warning Signs
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What is Z Fin Short-Term Debt?

Z Fin SNLKF 59 Short-Term Debt is $41.20 Mil as of Dec. 2025. GuruFocus rates SNLKF with a GF Score™ of 59/100 and a GF Value™ of $0.32. The stock has 5 warning signs investors should review.

Z Fin's Short-Term Debt for the quarter that ended in Dec. 2025 was $41.20 Mil.

Z Fin's quarterly Short-Term Debt increased from Dec. 2024 ($157.57 Mil) to Jun. 2025 ($404.29 Mil) but then declined from Jun. 2025 ($404.29 Mil) to Dec. 2025 ($41.20 Mil).

Z Fin's annual Short-Term Debt declined from Dec. 2023 ($200.48 Mil) to Dec. 2024 ($157.57 Mil) and declined from Dec. 2024 ($157.57 Mil) to Dec. 2025 ($41.20 Mil).

Z Fin Short-Term Debt Explanation

Short-Term Debt represents the total amount of Long-Term Debt such as bank loans and commercial paper, which is due within one year.

Z Fin Short-Term Debt Related Terms

Z Fin Short-Term Debt Historical Data

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The historical data trend for Z Fin's Short-Term Debt 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.

Z Fin Short-Term Debt Chart

Z Fin Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Short-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 122.45 148.18 200.48 157.57 41.20

Z Fin Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Short-Term Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 200.48 215.66 157.57 404.29 41.20
SNLKF
59GF Score
Z Fin Ltd SNLKF
Short-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Short-Term Debt →
What does a Short-Term Debt of $41.20 Mil mean?
Z Fin (SNLKF) has a Short-Term Debt of $41.20 Mil as of Dec. 2025.
Is Z Fin's Short-Term Debt too high?
Z Fin's current Short-Term Debt is $41.20 Mil. Overall, Z Fin has a GF Score™ of 59/100, reflecting its overall financial health beyond just this single metric.
How does Z Fin's Short-Term Debt compare to competitors?
Z Fin's Short-Term Debt of $41.20 Mil can be compared against companies in the Real Estate industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Short-Term Debt for a Real Estate company?
A good Short-Term Debt depends on the Real Estate industry context. However, Short-Term Debt 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 Short-Term Debt mean?
A high Short-Term Debt can signal that a stock is expensive relative to its fundamentals. Z Fin's current Short-Term Debt is $41.20 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Z Fin stock overvalued right now?
Z Fin (SNLKF) has a current Short-Term Debt of $41.20 Mil. The stock's GF Value™ is $0.32, compared to a current price of $0.33 — trading 1.9% above its estimated fair value. The current Short-Term Debt is $41.20 Mil. Z Fin's overall GF Score™ is 59/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Short-Term Debt calculated?
Short-Term Debt is calculated from a company's financial statements. For Z Fin (SNLKF), the current Short-Term Debt is $41.20 Mil 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 Z Fin (SNLKF) Overvalued in 2026?

Based on GuruFocus' analysis, Z Fin stock appears to be overvalued. The current stock price of $0.33 is trading 1.9% above its estimated GF Value™ of $0.32.

Key valuation signals for SNLKF:

  • Short-Term Debt: $41.20 Mil
  • GF Value™: $0.32 vs. price of $0.33 (1.9% above fair value)
  • GF Score™: 59/100 with 5 warning signs

No single metric tells the full story. See the SNLKF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Z Fin Business Description

Other Exchanges 01168:Hong Kong
Address 199 Des Voeux Road Central, 28th Floor, Infinitus Plaza, Hong Kong, HKG
Z Fin Ltd is an investment holding company. The principal activities of the company and its subsidiaries are focused on financial technology investment and management, while it is also engaged in property development, property management, property investment and financing services. The operating segments of the company are: i) Financing services: provision of efficient financial leasing solutions and multiple consultancy services, ii) Property investment: property leasing, iii) Property management: provision of property management services, iv) Property development: property development and sale of properties, and v) Others: Income from operating hotel and primary school. The majority of revenue is derived from the Property investment segment.
59GF Score

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Short-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$0.33
Price
$0.32
GF Value