Zero Fintech Group Ratios and Metrics

Market cap in millions HKD. Fiscal year is January - December.

Millions HKD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 26, 2026	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
Market Capitalization	1,040	1,334	1,654	1,707	1,334	667
Market Cap Growth	-38.10%	-19.36%	-3.13%	28.00%	100.00%	-15.25%
PE Ratio	50.00	63.72	61.09	140.68	87.82	31.36
PS Ratio	5.54	7.10	10.36	15.14	12.70	7.58
PB Ratio	0.93	1.19	1.51	1.58	1.22	0.59
Debt / Equity Ratio	0.52	0.52	0.26	0.00	0.00	0.00
Net Debt / Equity Ratio	0.36	0.36	0.15	-0.09	-0.15	-0.16
Net Debt / FCF Ratio	-	-	-0.65	1.52	31.25	2.22
Quick Ratio	2.55	2.55	34.13	4.05	3.98	11.61
Current Ratio	2.82	2.82	37.26	5.35	4.47	12.61
Asset Turnover	0.12	0.12	0.12	0.09	0.08	0.07
Return on Equity (ROE)	1.89%	1.89%	2.49%	1.12%	1.37%	1.86%
Return on Assets (ROA)	1.33%	1.33%	2.03%	0.96%	1.17%	1.57%
Return on Invested Capital (ROIC)	1.18%	1.31%	2.51%	1.97%	2.86%	1.87%
Earnings Yield	2.01%	1.57%	1.64%	0.71%	1.14%	3.19%
FCF Yield	-	-	-14.90%	-3.84%	-0.40%	-12.13%
Buyback Yield / Dilution	-0.60%	-0.60%	-	-	-	-25.81%

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