Zero Fintech Group Limited logo

Zero Fintech Group Limited

0093.HK

HKSEFinancial ServicesFinancial - Credit Services

Latest quote

HK$0.33

−HK$0.035 · -9.59%

Aug 24, 10:23 AM HKT

0093.HK company overview

Regular session · HKT · Market data may be delayed.

Company profile

Company website

Established in 1990, Termbray Industries International (Holdings) Limited functions as an investment holding enterprise. The company's primary focus is on acquiring, developing, and selling property assets across the People's Republic of China, with its portfolio including residential properties, retail outlets, and car parks. Additionally, it operates a money lending division. The firm's headquarters are situated in Sheung Wan, Hong Kong.

Industry
Financial - Credit Services
Sector
Financial Services
Headquarters
HK
CEO
Tommy Lee
Listed since
Jan 4, 2000
Employees
123

Market position

52-week range

Current HK$0.33

Open
HK$0.33
Previous close
HK$0.365
Volume
30K
2.45× average
Average volume
12.24K
Average daily volume
Market cap
880.32M HKD
Beta
0.03
Market reference 1
50-day average
HK$0.4048
-18.48% below average
200-day average
HK$0.4416
-25.28% below average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
1.74B HKD
EV / EBITDA
26.34×
Earnings yield
1.57%
Free cash flow yield
-16.45%

Profitability & efficiency

Return on equity
1.87%
Return on assets
1.20%
Return on invested capital
2.59%

Financial health

Current ratio
2.72×
Altman Z-score
2.13
Piotroski F-score
4 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends109%72%34%-4%Gross margin, FY2021: 98.58%Gross margin, FY2022: 100.00%Gross margin, FY2023: 53.83%Gross margin, FY2024: 85.25%Gross margin, FY2025: 97.62%Operating margin, FY2021: 34.63%Operating margin, FY2022: 20.19%Operating margin, FY2023: 13.81%Operating margin, FY2024: 16.30%Operating margin, FY2025: 17.02%Net margin, FY2021: 18.91%Net margin, FY2022: 9.33%Net margin, FY2023: 6.17%Net margin, FY2024: 10.34%Net margin, FY2025: 5.79%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 98.58%. Gross margin FY2022 100.00%. Gross margin FY2023 53.83%. Gross margin FY2024 85.25%. Gross margin FY2025 97.62%. Operating margin FY2021 34.63%. Operating margin FY2022 20.19%. Operating margin FY2023 13.81%. Operating margin FY2024 16.30%. Operating margin FY2025 17.02%. Net margin FY2021 18.91%. Net margin FY2022 9.33%. Net margin FY2023 6.17%. Net margin FY2024 10.34%. Net margin FY2025 5.79%.

Income trends

Revenue

361.8M HKD+38.21%

Operating income

61.59M HKD+44.34%

Net income

20.93M HKD-22.69%
Income trends across reported periods396.76M HKD256.9M HKD117.03M HKD−22.83M HKDRevenue, FY2021: 112.44M HKDRevenue, FY2022: 162.87M HKDRevenue, FY2023: 196.61M HKDRevenue, FY2024: 261.78M HKDRevenue, FY2025: 361.8M HKDOperating income, FY2021: 38.93M HKDOperating income, FY2022: 32.88M HKDOperating income, FY2023: 27.16M HKDOperating income, FY2024: 42.67M HKDOperating income, FY2025: 61.59M HKDNet income, FY2021: 21.27M HKDNet income, FY2022: 15.19M HKDNet income, FY2023: 12.14M HKDNet income, FY2024: 27.08M HKDNet income, FY2025: 20.93M HKDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 112.44M HKD. Revenue FY2022 162.87M HKD. Revenue FY2023 196.61M HKD. Revenue FY2024 261.78M HKD. Revenue FY2025 361.8M HKD. Operating income FY2021 38.93M HKD. Operating income FY2022 32.88M HKD. Operating income FY2023 27.16M HKD. Operating income FY2024 42.67M HKD. Operating income FY2025 61.59M HKD. Net income FY2021 21.27M HKD. Net income FY2022 15.19M HKD. Net income FY2023 12.14M HKD. Net income FY2024 27.08M HKD. Net income FY2025 20.93M HKD.
Metric (HKD)FY2025FY2024FY2023FY2022FY2021
Revenue361.8M HKD261.78M HKD196.61M HKD162.87M HKD112.44M HKD
Cost of goods sold8.6M HKD38.62M HKD90.78M HKD65.87M HKD1.6M HKD
Gross profit353.19M HKD223.16M HKD105.83M HKD162.87M HKD110.84M HKD
Research and development7.38M HKD4.67M HKD
Selling, general, and administrative70.53M HKD68.76M HKD52.74M HKD22.91M HKD21.9M HKD
Operating expenses291.6M HKD180.49M HKD78.58M HKD129.99M HKD71.81M HKD
Interest income350.94M HKD580K HKD1.71M HKD1.56M HKD1.68M HKD
Interest expense28.68M HKD106K HKD7.2M HKD
Depreciation and amortization8.6M HKD5.62M HKD5.2M HKD5.39M HKD8.94M HKD
Operating income61.59M HKD42.67M HKD27.16M HKD32.88M HKD38.93M HKD
Net income20.93M HKD27.08M HKD12.14M HKD15.19M HKD21.27M HKD

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
0

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates1.080.690.31-0.08Q1 '20Q3 '22Q2 '23Q3 '23Q2 '24Q3 '24Q2 '25Q2 '25
Q1 2020, reported Mar 31, 2020: actual -0.001, estimate —, surprise —, Comparison unavailable. Q3 2022, reported Aug 26, 2022: actual 1, estimate —, surprise —, Comparison unavailable. Q2 2023, reported Apr 26, 2023: actual 0.003, estimate —, surprise —, Comparison unavailable. Q3 2023, reported Aug 25, 2023: actual 0.005, estimate —, surprise —, Comparison unavailable. Q2 2024, reported Apr 25, 2024: actual 0.003, estimate —, surprise —, Comparison unavailable. Q3 2024, reported Aug 28, 2024: actual 0.003, estimate —, surprise —, Comparison unavailable. Q2 2025, reported Apr 28, 2025: actual 0.004, estimate —, surprise —, Comparison unavailable. Q2 2025, reported Jun 13, 2025: actual 0.004, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates102.2M69.04M35.88M2.73MQ1 '20Q3 '22Q2 '23Q3 '23Q2 '24Q3 '24Q2 '25Q2 '25
Q1 2020, reported Mar 31, 2020: actual 3.21M HKD, estimate —, surprise —, Comparison unavailable. Q3 2022, reported Aug 26, 2022: actual 73.47M HKD, estimate —, surprise —, Comparison unavailable. Q2 2023, reported Apr 26, 2023: actual 47.43M HKD, estimate —, surprise —, Comparison unavailable. Q3 2023, reported Aug 25, 2023: actual 94.87M HKD, estimate —, surprise —, Comparison unavailable. Q2 2024, reported Apr 25, 2024: actual 58.49M HKD, estimate —, surprise —, Comparison unavailable. Q3 2024, reported Aug 28, 2024: actual 58.49M HKD, estimate —, surprise —, Comparison unavailable. Q2 2025, reported Apr 28, 2025: actual 79.67M HKD, estimate —, surprise —, Comparison unavailable. Q2 2025, reported Jun 13, 2025: actual 79.67M HKD, estimate —, surprise —, Comparison unavailable.

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

HK$0.09

2012 complete year+12.5% since 2000

Corporate action history

Dividend

Ex-dividend Sep 13, 2012

HK$0.09

Special

Dividend

Ex-dividend Dec 23, 2011

HK$0.06

Special

Dividend

Ex-dividend Jan 13, 2000

HK$0.08

Special

0093.HK peers

Continue in GoAI

Research 0093.HK

research.disclaimer