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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.

Company profile comparison for U-Haul (UHAL) and ZTO Express (Cayman) (ZTO)
Profile ItemUHALZTO
NameU-Haul Holding CompanyZTO Express (Cayman) Inc. ADR
Country/RegionUnited StatesChina
GICS SectorIndustrialsIndustrials
GICS Industry GroupTransportationTransportation
GICS IndustryGround TransportationAir Freight & Logistics
GICS Sub-IndustryCargo Ground TransportationAir Freight & Logistics
Market Capitalization11.01 billion USD15.53 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateNovember 4, 1994October 27, 2016
Security TypeCommon StockADR

Price Performance

Cumulative Growth

UHAL
ZTO
GSPC
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U-Haul (UHAL) vs. ZTO Express (Cayman) (ZTO), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for U-Haul (UHAL) and ZTO Express (Cayman) (ZTO). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for U-Haul (UHAL) and ZTO Express (Cayman) (ZTO). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for U-Haul (UHAL) and ZTO Express (Cayman) (ZTO)
MetricUHALZTO
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

UHAL
ZTO
GSPC
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U-Haul (UHAL) vs. ZTO Express (Cayman) (ZTO), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for U-Haul (UHAL) and ZTO Express (Cayman) (ZTO). Each bar is the share of months whose return fell in that 5% bucket.

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.

Risk profile metrics for U-Haul (UHAL) and ZTO Express (Cayman) (ZTO)
MetricUHALZTO
Volatility (1Y, Annualized)34.63%24.57%
Beta (5Y)1.06-0.18
Max Drawdown (5Y)-46.19%-49.55%
Avg. Volume (3M)147.08K2.26M

Risk-Adjusted Performance

Risk-Return Positioning

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UHAL and ZTO are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for U-Haul (UHAL) and ZTO Express (Cayman) (ZTO)
MetricUHALZTO
Sharpe Ratio (1Y)0.080.28
Sortino Ratio (1Y)0.120.40

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%
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U-Haul (UHAL) vs. ZTO Express (Cayman) (ZTO): A comparison of their ROE against the Transportation industry group benchmark.

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%
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U-Haul (UHAL) vs. ZTO Express (Cayman) (ZTO): A comparison of their net margin against the Transportation industry group benchmark.

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%
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U-Haul (UHAL) vs. ZTO Express (Cayman) (ZTO): A comparison of their operating margin against the Transportation industry group benchmark.

Profitability Metrics

Profitability metrics for U-Haul (UHAL) and ZTO Express (Cayman) (ZTO)
MetricUHALZTO
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.

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U-Haul (UHAL) vs. ZTO Express (Cayman) (ZTO): A comparison of their Revenue Growth across different time periods.

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.

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U-Haul (UHAL) vs. ZTO Express (Cayman) (ZTO): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for U-Haul (UHAL) and ZTO Express (Cayman) (ZTO)
MetricUHALZTO
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
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U-Haul (UHAL) vs. ZTO Express (Cayman) (ZTO): A comparison of their current ratio against the Transportation industry group benchmark.

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
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U-Haul (UHAL) vs. ZTO Express (Cayman) (ZTO): A comparison of their debt-to-equity ratio against the Transportation industry group benchmark.

Financial Strength Metrics

Financial strength metrics for U-Haul (UHAL) and ZTO Express (Cayman) (ZTO)
MetricUHALZTO
Current Ratio (MRQ)1.021.67
Debt / Equity (MRQ)1.070.35
Net Debt / EBITDA9.16-0.62

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%
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U-Haul (UHAL) vs. ZTO Express (Cayman) (ZTO): A comparison of their dividend yield against the Transportation industry group benchmark.

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%
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U-Haul (UHAL) vs. ZTO Express (Cayman) (ZTO): A comparison of their payout ratio against the Transportation industry group benchmark.

Dividend Metrics

Dividend metrics for U-Haul (UHAL) and ZTO Express (Cayman) (ZTO)
MetricUHALZTO
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
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U-Haul (UHAL) vs. ZTO Express (Cayman) (ZTO): A comparison of their P/E ratio against the Transportation industry group benchmark.

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
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U-Haul (UHAL) vs. ZTO Express (Cayman) (ZTO): A comparison of their P/S ratio against the Transportation industry group benchmark.

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
Loading chart…
U-Haul (UHAL) vs. ZTO Express (Cayman) (ZTO): A comparison of their P/B ratio against the Transportation industry group benchmark.

Valuation Metrics

Valuation metrics for U-Haul (UHAL) and ZTO Express (Cayman) (ZTO)
MetricUHALZTO
P/E Ratio (TTM)183.0311.37
P/S Ratio (TTM)1.790.29
P/B Ratio (MRQ)1.401.66
Free Cash Flow Yield (TTM)-13.85%41.42%