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    Financial - Credit Services
Zero Fintech Group Limited

Zero Fintech Group Limited

0093.HK
Zero Fintech Group LimitedHK flagHong Kong Stock Exchange
0.44
HKD
+0.05
- -
1.17BMarket Cap
Zero Fintech Group Limited
0093.HK
(Hong Kong Stock Exchange)

Recent

price

0.44

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
FRC
- -
- -
- -
- -
- -
- -
0.01
0.02
0.02
0.02
0.01
0.04
0.06
0.07
0.1
- -
Revenue per Share
0.01
0.06
- -
0.13
0.02
-0.08
-0.2
-0.07
0.04
-0.01
-0.01
0.01
0.01
- -
0.01
- -
Basic EPS, GAAP
0.05
-0.06
-0.01
- -
- -
-0.02
- -
0.02
0.01
-0.02
-0.04
-0.03
- -
-0.02
-0.09
- -
Free Cash Flow per Basic Share
- -
- -
0.06
0.09
- -
- -
- -
0.01
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
0.35
0.43
0.37
0.4
0.42
0.4
0.2
0.13
0.08
0.07
0.08
0.08
0.1
0.1
0.11
- -
Book Value per Share
0.52
0.64
0.58
0.61
0.64
0.62
0.41
0.51
0.49
0.48
0.46
0.42
0.41
0.4
0.41
- -
Tangible Book Value per Share
1,958
1,958
1,958
1,958
1,958
1,958
1,958
1,958
1,958
1,958
1,958
2,668
2,668
2,668
2,668
- -
Basic Weighted Avg Shares
6
9
6
8
6
7
12
39
34
31
15
112
163
197
262
359
Sales/Revenue/Turnover
-363.32
-63.33
-219.32
-19.46
-195.83
-135.53
-67.68
-1.05
11.58
6.28
-40.04
50.86
67.59
17.47
16.56
9.08
Operating Margin (%)
8
5
2
2
2
2
1
1
6
6
6
9
5
5
6
9
Depreciation Expense
23
110
-7
245
44
-150
-396
-132
83
-20
-27
21
15
12
27
21
Net Income, GAAP
- -
- -
- -
0.15
3.55
- -
- -
- -
9.48
- -
- -
32.99
38.74
39.55
26.8
26.96
Effective Tax Rate (%)
403.11
1,195.59
-125.43
2,894.54
685.72
-2,154.56
-3,181.63
-335.19
244.05
-64.98
-181.47
18.91
9.33
6.17
10.34
5.82
Profit Margin (%)
925
704
580
468
456
431
395
346
357
321
239
265
145
312
500
68
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
1
- -
1
277
101
LT Debt
1,262
1,258
1,135
1,202
1,258
1,217
804
992
957
944
908
1,123
1,092
1,081
1,093
1,121
Total Equity
- -
- -
- -
-0.14
-0.97
- -
- -
- -
0.36
- -
- -
3.71
6
1.89
2.56
1.54
Return on Invested Capital (%)
- -
- -
- -
32.65
5.4
- -
- -
- -
39.53
- -
- -
14.02
8.5
6.17
6.38
2.88
Return on Capital (%)
3.4
14.33
-0.91
32.67
5.4
-18.58
-67.81
-41.39
39.61
-12.71
-17.81
11.49
6.43
4.58
9.52
6.79
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
No data availableFinancial data will appear here once available

Working Capital

FRC

•

in mil. unless spec.
No data availableFinancial data will appear here once available

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
0.43%
4.7%
2.55%
Free Cash Flow
24.78%
264.39%
-10.97%
Net Income, GAAP
-27.98%
-25.42%
-22.69%
Sales/Revenue/Turnover
101.35%
158.44%
37.32%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
197
2024
- -
- -
- -
- -
262
2025
- -
- -
- -
- -
359

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
- -
2024
- -
- -
- -
- -
0.01
2025
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
- -
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
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Business
Zero Fintech Group Limited (0093.HK) is a Bermuda-incorporated investment holding company principally engaged in property development and investment as well as money lending services; it operates primarily in Hong Kong and the People's Republic of China (PRC). The company offers mortgage loans secured by residential and commercial properties, unsecured personal loans including revolving facilities and debt consolidation loans through its proprietary AI-powered mobile application X Wallet, and personal loan financing services via subsidiary X8 Finance Limited; its property portfolio encompasses completed properties for sale such as Ever Success Plaza in Zhongshan, Guangdong Province, comprising over 440 residential units atop commercial arcades and car parks, alongside investment properties generating rental income in Hong Kong and the PRC. Founded in 1990 and headquartered at Room 2107-08, 21/F, Cosco Tower, 183 Queen's Road Central, Sheung Wan, Hong Kong, the company targets individual borrowers and property purchasers, with loan amounts ranging from HK$5,000 to HK$100 million at interest rates of 12% to 48% per annum. In recent developments, Zero Fintech Group changed its name from Termbray Industries International (Holdings) Limited in July 2024 to reflect its fintech pivot; it acquired Alpha Times Technology Limited in April 2024 for HK$25,000 to enhance in-house IT capabilities and reduce external vendor reliance; launched X Pay, a "Buy Now, Pay Later" service adopted by over 1,000 merchants, positioning X Wallet as Hong Kong's first integrated financial super-app; and secured a strategic financing partnership with Standard Chartered Bank (Hong Kong) Limited in November 2024, establishing an HK$800 million funding limit to bolster AI-driven lending and business expansion. For the year ended December 31, 2024, the company reported record revenue of HK$261.8 million, up 33% year-over-year, driven predominantly by its fintech lending segment contributing 98% of total revenue.