Zero Fintech Group Limited (HKG:0093)

Zero Fintech Group Cash Flow Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	20.93	27.08	12.14	15.19	21.27
Depreciation & Amortization	8.6	5.62	5.2	5.39	7.99
Other Amortization	-	-	-	-	0.95
Loss (Gain) From Sale of Investments	0.01	0.02	-0	57.83	-0.01
Asset Writedown & Restructuring Costs	3.61	9.75	10.18	19.52	6.79
Provision for Credit Losses	147.1	96.41	83.79	-	17.25
Change in Accounts Payable	4.29	1.89	0.71	-37.68	-0.37
Change in Unearned Revenue	-	-	-	-	-0.28
Change in Other Net Operating Assets	-421.52	-387.23	-174.74	-66.98	-132.97
Other Operating Activities	20.89	0.48	-2.24	1.92	-1.88
Operating Cash Flow	-216.08	-246.22	-65.08	-4.82	-80.78
Capital Expenditures	-1.7	-0.25	-0.42	-0.5	-0.13
Sale of Property, Plant & Equipment	-	0.23	-	-	-
Cash Acquisitions	-	1.77	-	-	-
Sale (Purchase) of Intangibles	-1.65	-	-	-	-
Other Investing Activities	0.16	0.58	1.71	1.56	1.68
Investing Cash Flow	-3.19	2.33	1.29	1.06	1.55
Long-Term Debt Issued	398	277.27	-	-	-
Long-Term Debt Repaid	-96.77	-6.26	-0.95	-0.81	-0.93
Total Debt Repaid	-96.77	-6.26	-0.95	-0.81	-0.93
Net Debt Issued (Repaid)	301.23	271.01	-0.95	-0.81	-0.93
Other Financing Activities	-22.75	-5.09	-0.05	-0.05	1.98
Financing Cash Flow	278.48	265.92	-1	-0.86	1.05
Foreign Exchange Rate Adjustments	1.87	-1.63	-0.93	-9.56	2.66
Net Cash Flow	61.08	20.4	-65.72	-14.17	-75.53
Free Cash Flow	-217.78	-246.47	-65.5	-5.32	-80.91
Free Cash Flow Margin	-115.90%	-154.34%	-58.08%	-5.06%	-91.95%
Free Cash Flow Per Share	-0.08	-0.09	-0.03	-0.00	-0.03
Cash Interest Paid	18.75	1.09	0.05	0.05	0.03
Cash Income Tax Paid	11.78	13.84	-	14.19	12.93

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