Zero Fintech Group Limited (HKG:0093)

Zero Fintech Group Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	304.14	261.78	196.61	162.87	112.44	33.28
Total Interest Expense	13.49	5.68	0.05	0.05	7.2	0.02
Net Interest Income	290.65	256.1	196.56	162.82	105.24	33.27
Revenue Before Loan Losses	290.65	256.1	196.56	162.82	105.24	33.27
Provision for Loan Losses	120.07	96.41	83.79	57.78	17.25	0.49
Revenue	170.57	159.69	112.77	105.04	87.99	32.78
Revenue Growth (YoY)	30.18%	41.60%	7.36%	19.37%	168.45%	122.17%
Salaries & Employee Benefits	42.05	37.09	24.77	17.56	15.06	8.99
Cost of Services Provided	33.79	31.39	27.64	22.1	18.25	3.8
Other Operating Expenses	50.23	49.13	24.87	13.68	22.78	14.46
Total Operating Expenses	126.07	117.61	77.28	53.33	56.09	27.25
Operating Income	44.5	42.08	35.5	51.7	31.9	5.53
Currency Exchange Gain (Loss)	0.13	0.7	0.61	0.03	4.94	20.78
EBT Excluding Unusual Items	44.63	42.78	29.07	43.69	38.52	24.49
Gain (Loss) on Sale of Investments	-0	-0.02	0	-0.05	0.01	-0.02
Impairment of Goodwill	-0	-0	-	-	-	-
Other Unusual Items	0	-	-	0.67	-	55.5
Pretax Income	41.23	36.99	20.08	24.79	31.74	62.06
Income Tax Expense	9.98	9.92	7.94	9.6	10.47	0.78
Net Income	31.25	27.08	12.14	15.19	21.27	61.28
Net Income to Common	31.25	27.08	12.14	15.19	21.27	61.28
Net Income Growth	136.11%	123.10%	-20.10%	-28.58%	-65.30%	-
Shares Outstanding (Basic)	2,668	2,668	2,668	2,668	2,668	2,120
Shares Outstanding (Diluted)	2,668	2,668	2,668	2,668	2,668	2,120
Shares Change (YoY)	-	-	-	-	25.81%	8.31%
EPS (Basic)	0.01	0.01	0.00	0.01	0.01	0.03
EPS (Diluted)	0.01	0.01	0.00	0.01	0.01	0.03
EPS Growth	138.75%	124.42%	-20.96%	-28.59%	-72.41%	-
Free Cash Flow	-149.22	-246.47	-65.5	-5.32	-80.91	20.53
Free Cash Flow Per Share	-0.06	-0.09	-0.03	-0.00	-0.03	0.01
Operating Margin	26.09%	26.35%	31.48%	49.22%	36.26%	16.88%
Profit Margin	18.32%	16.96%	10.76%	14.46%	24.17%	186.95%
Free Cash Flow Margin	-87.48%	-154.34%	-58.08%	-5.06%	-91.95%	62.64%
Effective Tax Rate	24.19%	26.80%	39.55%	38.74%	32.99%	1.26%

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