Zero Fintech Group Income Statement

Financials in millions HKD. Fiscal year is January - December.

Millions HKD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest and Dividend Income	359.47	261.78	196.61	162.87	112.44
Total Interest Expense	24.47	5.68	0.05	0.05	7.2
Net Interest Income	335	256.1	196.56	162.82	105.24
Revenue Before Loan Losses	335	256.1	196.56	162.82	105.24
Provision for Loan Losses	147.1	96.41	83.79	57.78	17.25
Revenue	187.9	159.69	112.77	105.04	87.99
Revenue Growth (YoY)	17.66%	41.60%	7.36%	19.37%	168.45%
Salaries & Employee Benefits	42.34	37.09	24.77	17.56	15.06
Cost of Services Provided	65.38	31.39	27.64	22.1	18.25
Other Operating Expenses	52.52	49.13	24.87	13.68	22.78
Total Operating Expenses	160.24	117.61	77.28	53.33	56.09
Operating Income	27.66	42.08	35.5	51.7	31.9
Currency Exchange Gain (Loss)	-	0.7	0.61	0.03	4.94
EBT Excluding Unusual Items	27.66	42.78	29.07	43.69	38.52
Gain (Loss) on Sale of Investments	-	-0.02	0	-0.05	0.01
Impairment of Goodwill	-	-0	-	-	-
Other Unusual Items	-	-	-	0.67	-
Pretax Income	28.66	36.99	20.08	24.79	31.74
Income Tax Expense	7.73	9.92	7.94	9.6	10.47
Net Income	20.93	27.08	12.14	15.19	21.27
Net Income to Common	20.93	27.08	12.14	15.19	21.27
Net Income Growth	-22.69%	123.10%	-20.10%	-28.58%	-65.30%
Shares Outstanding (Basic)	2,684	2,668	2,668	2,668	2,668
Shares Outstanding (Diluted)	2,684	2,668	2,668	2,668	2,668
Shares Change (YoY)	0.60%	-	-	-	25.81%
EPS (Basic)	0.01	0.01	0.00	0.01	0.01
EPS (Diluted)	0.01	0.01	0.00	0.01	0.01
EPS Growth	-22.77%	124.42%	-20.96%	-28.59%	-72.41%
Free Cash Flow	-	-246.47	-65.5	-5.32	-80.91
Free Cash Flow Per Share	-	-0.09	-0.03	-0.00	-0.03
Operating Margin	14.72%	26.35%	31.48%	49.22%	36.26%
Profit Margin	11.14%	16.96%	10.76%	14.46%	24.17%
Free Cash Flow Margin	-	-154.34%	-58.08%	-5.06%	-91.95%
Effective Tax Rate	26.96%	26.80%	39.55%	38.74%	32.99%

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.