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Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.
Zero Fintech Group's operating assets for the quarter that ended in Dec. 2025 was HK$1,556.2 Mil. Zero Fintech Group's operating liabilities for the quarter that ended in Dec. 2025 was HK$32.3 Mil. Zero Fintech Group's Total Assets for the quarter that ended in Jun. 2025 was HK$1,465.4 Mil. Therefore, Zero Fintech Group's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 1.04.
Zero Fintech Group Scaled Net Operating Assets Related Terms
Zero Fintech Group Scaled Net Operating Assets Historical Data
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The historical data trend for Zero Fintech Group's Scaled Net Operating Assets 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.
Zero Fintech Group Scaled Net Operating Assets Chart
HKSE:00093 vs V, MA, AXP: Scaled Net Operating Assets Comparison
For the Credit Services subindustry, Zero Fintech Group's Scaled Net Operating Assets, along with its competitors' market caps and Scaled Net Operating Assets 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 Scaled Net Operating Assets vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Zero Fintech Group's Scaled Net Operating Assets distribution charts can be found below:
* The bar in red indicates where Zero Fintech Group's Scaled Net Operating Assets 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 Scaled Net Operating Assets of 1.04 mean?
Zero Fintech Group (HKSE:00093) has a Scaled Net Operating Assets of 1.04 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Zero Fintech Group and its competitors.
Is Zero Fintech Group's Scaled Net Operating Assets too high?
Zero Fintech Group's current Scaled Net Operating Assets is 1.04. 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 Scaled Net Operating Assets compare to V and MA?
Zero Fintech Group's Scaled Net Operating Assets of 1.04 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Credit Services company?
A good Scaled Net Operating Assets depends on the Credit Services industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Zero Fintech Group and its competitors. Zero Fintech Group's current Scaled Net Operating Assets is 1.04. 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 Scaled Net Operating Assets is 1.04. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Zero Fintech Group (HKSE:00093), the current Scaled Net Operating Assets is 1.04 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:
Scaled Net Operating Assets: 1.04
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
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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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