Zero Fintech Group (0093) Fair Value & Analysis
Financial Services · HK · Market cap HK$1.2B
Fair value as of: Aug 2, 2026
From 7 valuation models · updated 8 days ago
Share price −31.8% over the past month.
A solid business, but screening 50% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case (HK$0.2400). The favourable scenario is already priced in.
- Solid but not exceptional quality (50/100) and above fair value, neither a clear bargain nor a standout compounder.
- A fairly wide model range (HK$0.1000 to HK$0.2400) leaves room in how you read the outcome.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 2, 2026.
How to read this chart
60‑month range HK$0.2060 – HK$0.8500 · fair‑value band HK$0.1000 – HK$0.2400 · the HK$0.3000 price screens above the HK$0.1500 fair value. Dashed = 300-day average. As of Aug 2, 2026.
Analysis
Zero Fintech Group (0093) currently trades at HK$0.3000, while our model-based Fair Value estimate is HK$0.1500, implying the stock looks roughly 50.0% overvalued today. The Quality Score stands at 50/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, Zero Fintech Group generated revenue of HK$188M at a net margin of 11.1%. Revenue grew 19.8% year over year. It earns a return on equity of 1.9%. Net debt stands at HK$403M. Fundamentals as of Aug 2, 2026
Our scenario range runs from HK$0.1000 (bear case) to HK$0.2400 (bull case); at HK$0.3000, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 50% below its 52-week high, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -41% fair-value upside, at -50%, 0093 screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 7 models by family
Widest divergence: Multiples (HK$0.3300) versus Economic Profit (HK$0.2600). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 2, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 48 · Market factors (momentum, volatility) 18
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Zero Fintech Group Limited, together with its subsidiaries, engages in property investment and development in the People's Republic of China and Hong Kong. It operates through two segments, Property Development and Investment and Money Lending. The company's portfolio of properties includes residential units, commercial arcades, and car parks.
Full company description
Zero Fintech Group Limited, together with its subsidiaries, engages in property investment and development in the People's Republic of China and Hong Kong. It operates through two segments, Property Development and Investment and Money Lending. The company's portfolio of properties includes residential units, commercial arcades, and car parks. It also engages in the money lending business, which provides mortgage and personal loan financing to customers. In addition, the company is involved in the property holding, treasury activities, payment solutions, and IT service business. The company was formerly known as Termbray Industries International (Holdings) Limited and changed its name to Zero Fintech Group Limited in July 2024. Zero Fintech Group Limited was incorporated in 1990 and is headquartered in Sheung Wan, Hong Kong.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
Zero Fintech Group reported revenue of HK$362M in FY2026 versus HK$112M in FY2022, a compound +33.9%/yr. Reported net income was HK$20.9M in FY2026, compounding −0.4%/yr from FY2022.
0093 screens 50% overvalued. Compare with Visa Inc →
Peer Group
Credit Services · 331 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Credit Services median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Aug 2, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $348.97 | $204.19 | -41% |
| Mastercard Incorporated MA | $537.70 | $221.87 | -59% |
| American Express Company AXP | $358.44 | $206.40 | -42% |
| Bajaj Finance Limited BAJFINANCE | ₹1,056 | ₹397.61 | -62% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,024 | ₹553.83 | -46% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,808 | ₹796.52 | -56% |
| Tata Capital Limited TATACAP | ₹360.60 | ₹229.85 | -36% |
| Power Finance Corporation PFC | ₹405.10 | ₹810.20 | +100% |
| Muthoot Finance Limited MUTHOOTFIN | ₹3,129 | ₹3,463 | +11% |
| Indian Railway Finance Corporation IRFC | ₹88.41 | ₹69.72 | -21% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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