---
title: "Zero Fintech Revenue Climbs but Higher Impairments Cut Profit in 2025"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/280789386.md"
description: "Zero Fintech Group Limited reported a revenue increase to HK$359.5 million for 2025, up from HK$261.8 million, driven by its financial services. However, profit fell to HK$20.9 million due to higher impairment losses on loans and increased costs. Earnings per share declined to 0.78 HK cents, despite total comprehensive income rising to HK$27.9 million. The stock has a Hold rating with a price target of HK$0.40. Zero Fintech operates in the fintech sector, focusing on lending and financial products."
datetime: "2026-03-27T12:02:42.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/280789386.md)
  - [en](https://longbridge.com/en/news/280789386.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/280789386.md)
---

# Zero Fintech Revenue Climbs but Higher Impairments Cut Profit in 2025

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The latest update is out from Termbray Industries International (Holdings) Limited ( (HK:0093) ).

Zero Fintech Group Limited reported audited consolidated revenue of HK$359.5 million for 2025, up from HK$261.8 million a year earlier, driven by growth in its core financial services business. Despite a fair value gain on investment property and higher other income, increased advertising, promotion and employee expenses heightened the group’s cost base.

Profit attributable to equity holders fell to HK$20.9 million from HK$27.1 million, as impairment losses on loan and interest receivables climbed sharply to HK$147.1 million and finance costs rose to HK$24.5 million. Basic and diluted earnings per share declined to 0.78 HK cents, although total comprehensive income improved to HK$27.9 million on favourable property revaluation and foreign exchange translation gains.

The most recent analyst rating on (HK:0093) stock is a Hold with a HK$0.40 price target. To see the full list of analyst forecasts on Termbray Industries International (Holdings) Limited stock, see the HK:0093 Stock Forecast page.

**More about Termbray Industries International (Holdings) Limited**

Zero Fintech Group Limited is a Bermuda-incorporated company listed in Hong Kong, operating in the fintech and financial services sector. The group generates revenue primarily from lending and related financial products, with its performance influenced by loan receivables quality, funding costs, and property-related investments.

**Average Trading Volume:** 17,100

**Technical Sentiment Signal:** Sell

**Current Market Cap:** HK$1.04B

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