<p>零在科技金融（HKG:93）在過去三個月經歷了艱難的時光，股價下跌了 13%。然而，該公司的基本面看起來相當不錯，長期財務狀況通常與未來市場價格走勢一致。具體來説，我們決定在本文中研究零在科技金融的股本回報率（ROE）。</p>
<p>股本回報率（ROE）是股東需要考慮的重要因素，因為它告訴他們資本再投資的有效性。簡單來説，它用於評估公司相對於其股本的盈利能力。</p>
<p>我們發現 21 只美國股票預計明年將支付超過 6% 的股息收益率。查看完整列表，免費獲取。</p>
<h2>如何計算股本回報率？</h2>
<p><strong>ROE 可以通過以下公式計算：</strong></p>
<p>股本回報率 = 淨利潤（來自持續經營）÷ 股東權益</p>
<p>因此，根據上述公式，零在科技金融的 ROE 為：</p>
<p>2.8% = HK$3100 萬 ÷ HK$11 億（基於截至 2025 年 6 月的過去十二個月）。</p>
<p>“回報” 是過去十二個月的利潤。換句話説，對於每 HK$1 的股本，公司能夠賺取 HK$0.03 的利潤。</p>
<p>查看我們對零在科技金融的最新分析</p>
<h2>為什麼 ROE 對盈利增長重要？</h2>
<p>到目前為止，我們瞭解到 ROE 是公司盈利能力的衡量標準。我們現在需要評估公司再投資或 “保留” 的利潤多少，以便為未來增長提供依據，這樣可以讓我們瞭解公司的增長潛力。假設其他條件不變，ROE 和利潤保留越高，公司相對於不具備這些特徵的公司，增長率就越高。</p>
<h2>零在科技金融的盈利增長和 2.8% ROE</h2>
<p>很明顯，零在科技金融的 ROE 相當低。即使與行業平均水平 3.7% 相比，ROE 數據也令人失望。儘管如此，我們可以看到零在科技金融在過去五年中實現了 14% 的適度淨收入增長。我們認為這裏可能還有其他因素在起作用。例如，公司的管理層可能做出了一些良好的戰略決策，或者公司有較低的派息比率。</p>
<p>考慮到行業盈利在同一五年期間以 4.5% 的速度萎縮，該公司的淨收入增長相當顯著。</p>
<p><img src="https://imageproxy.pbkrs.com/https://images.simplywall.st/asset/chart/97712-past-earnings-growth-1-dark-2/1759874935051?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://images.simplywall.st/asset/chart/97712-past-earnings-growth-1-dark-2/1759874935051"/></p>
<p>SEHK:93 過去的盈利增長 2025 年 10 月 7 日</p>
<p>盈利增長是評估股票時需要考慮的重要指標。投資者應嘗試確定預期的盈利增長或下降，無論是哪種情況，是否已被定價。這樣可以幫助他們判斷股票的未來是看好還是不妙。一個良好的預期盈利增長指標是市盈率（P/E），它決定了市場願意為股票支付的價格，基於其盈利前景。因此，您可能想檢查零在科技金融的市盈率是高還是低，相對於其行業。</p>
<h2>零在科技金融是否有效利用其利潤？</h2>
<p>零在科技金融不支付任何定期股息，這意味着其所有利潤都被再投資於業務，這解釋了公司所看到的相當可觀的盈利增長。</p>
<h2>總結</h2>
<p>總體而言，我們認為零在科技金融確實有一些積極因素值得考慮。儘管回報率較低，但由於大量再投資於業務，公司實現了令人印象深刻的盈利增長。</p>

零在科技金融

<p>零在科技金融（HKG:93）在過去三個月的股價下跌了 13%，儘管基本面表現尚可。公司的股本回報率（ROE）為 2.8%，低於行業平均水平的 3.7%。然而，在過去五年中，其淨收入增長了 14%，而行業盈利則下降了 4.5%。該公司將所有利潤再投資，促進了其增長，即使沒有定期分紅。總體而言，儘管 ROE 較低，但公司的盈利增長和再投資策略為投資者提供了積極的因素</p>

<p>Zero Fintech Group (HKG:93) has had a rough three months with its share price down 13%. However, the company's fundamentals look pretty decent, and long-term financials are usually aligned with future market price movements. Specifically, we decided to study Zero Fintech Group's ROE in this article.</p>
<div class="lb-trans"><p>零在科技金融（HKG:93）在過去三個月經歷了艱難的時光，股價下跌了 13%。然而，該公司的基本面看起來相當不錯，長期財務狀況通常與未來市場價格走勢一致。具體來説，我們決定在本文中研究零在科技金融的股本回報率（ROE）。</p>
</div><p>Return on equity or ROE is an important factor to be considered by a shareholder because it tells them how effectively their capital is being reinvested. Simply put, it is used to assess the profitability of a company in relation to its equity capital.</p>
<div class="lb-trans"><p>股本回報率（ROE）是股東需要考慮的重要因素，因為它告訴他們資本再投資的有效性。簡單來説，它用於評估公司相對於其股本的盈利能力。</p>
</div><p>We've found 21 US stocks that are forecast to pay a dividend yield of over 6% next year. See the full list for free.</p>
<div class="lb-trans"><p>我們發現 21 只美國股票預計明年將支付超過 6% 的股息收益率。查看完整列表，免費獲取。</p>
</div><h2>How To Calculate Return On Equity?</h2>
<div class="lb-trans"><h2>如何計算股本回報率？</h2>
</div><p><strong>ROE can be calculated by using the formula:</strong></p>
<div class="lb-trans"><p><strong>ROE 可以通過以下公式計算：</strong></p>
</div><p>Return on Equity = Net Profit (from continuing operations) ÷ Shareholders' Equity</p>
<div class="lb-trans"><p>股本回報率 = 淨利潤（來自持續經營）÷ 股東權益</p>
</div><p>So, based on the above formula, the ROE for Zero Fintech Group is:</p>
<div class="lb-trans"><p>因此，根據上述公式，零在科技金融的 ROE 為：</p>
</div><p>2.8% = HK$31m ÷ HK$1.1b (Based on the trailing twelve months to June 2025).</p>
<div class="lb-trans"><p>2.8% = HK$3100 萬 ÷ HK$11 億（基於截至 2025 年 6 月的過去十二個月）。</p>
</div><p>The 'return' is the profit over the last twelve months. Another way to think of that is that for every HK$1 worth of equity, the company was able to earn HK$0.03 in profit.</p>
<div class="lb-trans"><p>“回報” 是過去十二個月的利潤。換句話説，對於每 HK$1 的股本，公司能夠賺取 HK$0.03 的利潤。</p>
</div><p>See our latest analysis for Zero Fintech Group</p>
<div class="lb-trans"><p>查看我們對零在科技金融的最新分析</p>
</div><h2>Why Is ROE Important For Earnings Growth?</h2>
<div class="lb-trans"><h2>為什麼 ROE 對盈利增長重要？</h2>
</div><p>So far, we've learned that ROE is a measure of a company's profitability. We now need to evaluate how much profit the company reinvests or &#34;retains&#34; for future growth which then gives us an idea about the growth potential of the company. Assuming everything else remains unchanged, the higher the ROE and profit retention, the higher the growth rate of a company compared to companies that don't necessarily bear these characteristics.</p>
<div class="lb-trans"><p>到目前為止，我們瞭解到 ROE 是公司盈利能力的衡量標準。我們現在需要評估公司再投資或 “保留” 的利潤多少，以便為未來增長提供依據，這樣可以讓我們瞭解公司的增長潛力。假設其他條件不變，ROE 和利潤保留越高，公司相對於不具備這些特徵的公司，增長率就越高。</p>
</div><h2>Zero Fintech Group's Earnings Growth And 2.8% ROE</h2>
<div class="lb-trans"><h2>零在科技金融的盈利增長和 2.8% ROE</h2>
</div><p>It is quite clear that Zero Fintech Group's ROE is rather low. Even when compared to the industry average of 3.7%, the ROE figure is pretty disappointing. Although, we can see that Zero Fintech Group saw a modest net income growth of 14% over the past five years. We reckon that there could be other factors at play here. For example, it is possible that the company's management has made some good strategic decisions, or that the company has a low payout ratio.</p>
<div class="lb-trans"><p>很明顯，零在科技金融的 ROE 相當低。即使與行業平均水平 3.7% 相比，ROE 數據也令人失望。儘管如此，我們可以看到零在科技金融在過去五年中實現了 14% 的適度淨收入增長。我們認為這裏可能還有其他因素在起作用。例如，公司的管理層可能做出了一些良好的戰略決策，或者公司有較低的派息比率。</p>
</div><p>When you consider the fact that the industry earnings have shrunk at a rate of 4.5% in the same 5-year period, the company's net income growth is pretty remarkable.</p>
<div class="lb-trans"><p>考慮到行業盈利在同一五年期間以 4.5% 的速度萎縮，該公司的淨收入增長相當顯著。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://images.simplywall.st/asset/chart/97712-past-earnings-growth-1-dark-2/1759874935051" alt="" original-src="https://images.simplywall.st/asset/chart/97712-past-earnings-growth-1-dark-2/1759874935051"/></p>
<p>SEHK:93 Past Earnings Growth October 7th 2025</p>
<div class="lb-trans"><p>SEHK:93 過去的盈利增長 2025 年 10 月 7 日</p>
</div><p>Earnings growth is an important metric to consider when valuing a stock. The investor should try to establish if the expected growth or decline in earnings, whichever the case may be, is priced in. Doing so will help them establish if the stock's future looks promising or ominous. One good indicator of expected earnings growth is the P/E ratio which determines the price the market is willing to pay for a stock based on its earnings prospects. So, you may want to check if Zero Fintech Group is trading on a high P/E or a low P/E, relative to its industry.</p>
<div class="lb-trans"><p>盈利增長是評估股票時需要考慮的重要指標。投資者應嘗試確定預期的盈利增長或下降，無論是哪種情況，是否已被定價。這樣可以幫助他們判斷股票的未來是看好還是不妙。一個良好的預期盈利增長指標是市盈率（P/E），它決定了市場願意為股票支付的價格，基於其盈利前景。因此，您可能想檢查零在科技金融的市盈率是高還是低，相對於其行業。</p>
</div><h2>Is Zero Fintech Group Making Efficient Use Of Its Profits?</h2>
<div class="lb-trans"><h2>零在科技金融是否有效利用其利潤？</h2>
</div><p>Zero Fintech Group doesn't pay any regular dividends, meaning that all of its profits are being reinvested in the business, which explains the fair bit of earnings growth the company has seen.</p>
<div class="lb-trans"><p>零在科技金融不支付任何定期股息，這意味着其所有利潤都被再投資於業務，這解釋了公司所看到的相當可觀的盈利增長。</p>
</div><h2>Summary</h2>
<div class="lb-trans"><h2>總結</h2>
</div><p>Overall, we feel that Zero Fintech Group certainly does have some positive factors to consider. Even in spite of the low rate of return, the company has posted impressive earnings growth as a result of reinvesting heavily into its business.</p>
<div class="lb-trans"><p>總體而言，我們認為零在科技金融確實有一些積極因素值得考慮。儘管回報率較低，但由於大量再投資於業務，公司實現了令人印象深刻的盈利增長。</p>
</div>

零在科技金融集團有限公司（HKG:93）的股票疲軟是否應被視為市場將根據其良好財務狀況調整股價的信號？