UHAL vs. ZTO: U-Haul vs. ZTO Express (Cayman) Stock Comparison
How do U-Haul (UHAL) and ZTO Express (Cayman) (ZTO) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
U-Haul (UHAL) and ZTO Express (Cayman) (ZTO) both fall under the Transportation industry group, but UHAL is classified in Ground Transportation while ZTO is classified in Air Freight & Logistics.
U-Haul (UHAL) trades as ordinary local shares, while ZTO Express (Cayman) (ZTO) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.
| Profile Item | UHAL | ZTO |
|---|---|---|
| Name | U-Haul Holding Company | ZTO Express (Cayman) Inc. ADR |
| Country/Region | United States | China |
| GICS Sector | Industrials | Industrials |
| GICS Industry Group | Transportation | Transportation |
| GICS Industry | Ground Transportation | Air Freight & Logistics |
| GICS Sub-Industry | Cargo Ground Transportation | Air Freight & Logistics |
| Market Capitalization | 11.01 billion USD | 15.53 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | November 4, 1994 | October 27, 2016 |
| Security Type | Common Stock | ADR |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | UHAL | ZTO |
|---|---|---|
| Total Return (1Y) | 7.10% | 11.22% |
| Total Return (3Y, Annualized) | 2.77% | -1.86% |
| Total Return (5Y, Annualized) | -5.22% | -3.82% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
ZTO Express (Cayman) (ZTO) reports a negative beta of -0.18, suggesting inverse market sensitivity over the measurement window. That is uncommon for ordinary equities and can reflect commodity-linked or hedge-like exposure, but it can also come from statistical noise. U-Haul (UHAL) has a non-negative beta of 1.06.
| Metric | UHAL | ZTO |
|---|---|---|
| Volatility (1Y, Annualized) | 34.63% | 24.57% |
| Beta (5Y) | 1.06 | -0.18 |
| Max Drawdown (5Y) | -46.19% | -49.55% |
| Avg. Volume (3M) | 147.08K | 2.26M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | UHAL | ZTO |
|---|---|---|
| Sharpe Ratio (1Y) | 0.08 | 0.28 |
| Sortino Ratio (1Y) | 0.12 | 0.40 |
Profitability
ROE (TTM)
ZTO Express (Cayman) (ZTO) at 16.28% is around its peer norm for ROE, while U-Haul (UHAL) at 1.23% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.
UHAL
Transportation industry group
1.23%
- Max
- 45.08%
- Q3
- 22.02%
- Median
- 13.94%
- Q1
- 2.89%
- UHAL
- 1.23%
- Min
- -10.45%
ZTO
Transportation industry group
16.28%
- Max
- 45.08%
- Q3
- 22.02%
- ZTO
- 16.28%
- Median
- 13.94%
- Q1
- 2.89%
- Min
- -10.45%
Net Margin (TTM)
ZTO Express (Cayman) (ZTO) at 19.04% keeps about the industry-typical share of revenue as profit, while U-Haul (UHAL) at 1.54% retains only a bottom-quartile share.
UHAL
Transportation industry group
1.54%
- Max
- 50.36%
- Q3
- 21.18%
- Median
- 5.58%
- Q1
- 1.55%
- UHAL
- 1.54%
- Min
- -11.37%
ZTO
Transportation industry group
19.04%
- Max
- 50.36%
- Q3
- 21.18%
- ZTO
- 19.04%
- Median
- 5.58%
- Q1
- 1.55%
- Min
- -11.37%
Operating Margin (TTM)
Both U-Haul (UHAL) at 14.92% and ZTO Express (Cayman) (ZTO) at 22.19% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.
UHAL
Transportation industry group
14.92%
- Max
- 59.18%
- Q3
- 29.30%
- UHAL
- 14.92%
- Median
- 11.50%
- Q1
- 4.62%
- Min
- -8.91%
ZTO
Transportation industry group
22.19%
- Max
- 59.18%
- Q3
- 29.30%
- ZTO
- 22.19%
- Median
- 11.50%
- Q1
- 4.62%
- Min
- -8.91%
Profitability Metrics
| Metric | UHAL | ZTO |
|---|---|---|
| ROE (TTM) | 1.23% | 16.28% |
| ROA (TTM) | 1.39% | 7.38% |
| Net Margin (TTM) | 1.54% | 19.04% |
| Operating Margin (TTM) | 14.92% | 22.19% |
| Gross Margin (TTM) | 28.43% | 25.10% |
Growth
Revenue Growth
ZTO Express (Cayman) (ZTO) at 10.88% sits in the top revenue growth quartile, while U-Haul (UHAL) at 3.59% is closer to the peer norm — faster top-line expansion for ZTO.
EPS Growth
ZTO Express (Cayman) (ZTO) at 4.58% is around its peer norm for EPS growth, while U-Haul (UHAL) at -85.80% drops into the bottom quartile, signaling weaker earnings momentum.
Growth Metrics
| Metric | UHAL | ZTO |
|---|---|---|
| Revenue Growth (YoY) | 3.59% | 10.88% |
| Revenue Growth (3Y CAGR) | 0.97% | 11.54% |
| EPS Growth (YoY) | -85.80% | 4.58% |
| EPS Growth (3Y CAGR) | -64.88% | 10.21% |
Financial Strength
Current Ratio (MRQ)
U-Haul (UHAL) at 1.02 keeps current ratio within its industry’s typical mid-range, while ZTO Express (Cayman) (ZTO) at 1.67 sits above its industry’s typical mid-range — comfortable liquidity, though possibly with more idle current assets relative to peers.
UHAL
Transportation industry group
1.02
- Max
- 2.58
- Q3
- 1.62
- Median
- 1.16
- UHAL
- 1.02
- Q1
- 0.78
- Min
- 0.22
ZTO
Transportation industry group
1.67
- Max
- 2.58
- ZTO
- 1.67
- Q3
- 1.62
- Median
- 1.16
- Q1
- 0.78
- Min
- 0.22
Debt / Equity (MRQ)
Both U-Haul (UHAL) at 1.07 and ZTO Express (Cayman) (ZTO) at 0.35 fund their balance sheets with roughly industry-typical debt-to-equity mixes.
UHAL
Transportation industry group
1.07
- Max
- 2.75
- Q3
- 1.37
- UHAL
- 1.07
- Median
- 0.78
- Q1
- 0.35
- Min
- 0.00
ZTO
Transportation industry group
0.35
- Max
- 2.75
- Q3
- 1.37
- Median
- 0.78
- ZTO
- 0.35
- Q1
- 0.35
- Min
- 0.00
Financial Strength Metrics
| Metric | UHAL | ZTO |
|---|---|---|
| Current Ratio (MRQ) | 1.02 | 1.67 |
| Debt / Equity (MRQ) | 1.07 | 0.35 |
| Net Debt / EBITDA | 9.16 | -0.62 |
Dividends
Dividend Yield (TTM)
U-Haul (UHAL) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile ZTO Express (Cayman) (ZTO) reports a yield of 12.89%, ranking against industry peers normally.
UHAL
Transportation industry group
0.00%
- Max
- 4.68%
- Q3
- 1.99%
- Median
- 0.74%
- UHAL
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
ZTO
Transportation industry group
12.89%
- ZTO
- 12.89%
- Max
- 4.68%
- Q3
- 1.99%
- Median
- 0.74%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
U-Haul (UHAL) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile ZTO Express (Cayman) (ZTO) reports a payout of 38.36%, ranking against industry peers normally.
UHAL
Transportation industry group
0.00%
- Max
- 100.89%
- Q3
- 41.68%
- Median
- 20.43%
- UHAL
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
ZTO
Transportation industry group
38.36%
- Max
- 100.89%
- Q3
- 41.68%
- ZTO
- 38.36%
- Median
- 20.43%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | UHAL | ZTO |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 12.89% |
| Dividend Payout Ratio (TTM) | 0.00% | 38.36% |
Valuation
P/E Ratio (TTM)
ZTO Express (Cayman) (ZTO) at 11.37 is near its industry’s usual P/E ratio, while U-Haul (UHAL) at 183.03 sits above its peer range — an unusually expensive price for UHAL’s trailing earnings.
UHAL
Transportation industry group
183.03
- UHAL
- 183.03
- Max
- 46.76
- Q3
- 30.87
- Median
- 20.58
- Q1
- 10.44
- Min
- 0.00
ZTO
Transportation industry group
11.37
- Max
- 46.76
- Q3
- 30.87
- Median
- 20.58
- ZTO
- 11.37
- Q1
- 10.44
- Min
- 0.00
P/S Ratio (TTM)
ZTO Express (Cayman) (ZTO) at 0.29 sits in the cheaper P/S ratio quartile while U-Haul (UHAL) at 1.79 prices around its industry’s middle — ZTO costs less per dollar of sales, though read it alongside growth and margins.
UHAL
Transportation industry group
1.79
- Max
- 4.35
- Q3
- 2.07
- UHAL
- 1.79
- Median
- 0.93
- Q1
- 0.53
- Min
- 0.04
ZTO
Transportation industry group
0.29
- Max
- 4.35
- Q3
- 2.07
- Median
- 0.93
- Q1
- 0.53
- ZTO
- 0.29
- Min
- 0.04
P/B Ratio (MRQ)
On P/B ratio, both U-Haul (UHAL) at 1.40 and ZTO Express (Cayman) (ZTO) at 1.66 are valued close to their industries’ norm against book — neither stands out from peers.
UHAL
Transportation industry group
1.40
- Max
- 6.29
- Q3
- 3.39
- Median
- 1.90
- UHAL
- 1.40
- Q1
- 1.03
- Min
- -2.07
ZTO
Transportation industry group
1.66
- Max
- 6.29
- Q3
- 3.39
- Median
- 1.90
- ZTO
- 1.66
- Q1
- 1.03
- Min
- -2.07
Valuation Metrics
| Metric | UHAL | ZTO |
|---|---|---|
| P/E Ratio (TTM) | 183.03 | 11.37 |
| P/S Ratio (TTM) | 1.79 | 0.29 |
| P/B Ratio (MRQ) | 1.40 | 1.66 |
| Free Cash Flow Yield (TTM) | -13.85% | 41.42% |