ZTO Express (Cayman) (BSP:Z1TO34) Effective Interest Rate on Debt %: 1.20% (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BSP:Z1TO34 ZTO Express (Cayman) Inc BSP:Z1TO34
95 GF Score
Price R$31.23
GF Value R$36.17
Valuation Modestly Undervalued
! 3 Warning Signs
View Full Analysis

What is ZTO Express (Cayman) Effective Interest Rate on Debt %?

ZTO Express (Cayman) BSP:Z1TO34 95 Effective Interest Rate on Debt % is 1.20% as of Mar. 2026. GuruFocus rates BSP:Z1TO34 with a GF Score™ of 95/100 and a GF Value™ of R$36.17 (Modestly Undervalued). The stock has 3 warning signs investors should review.

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. ZTO Express (Cayman)'s annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was R$153 Mil. ZTO Express (Cayman)'s average total debt for the quarter that ended in Mar. 2026 was R$12,713 Mil. Therefore, ZTO Express (Cayman)'s annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 1.20%.


ZTO Express (Cayman)  (BSP:Z1TO34) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.


ZTO Express (Cayman) Effective Interest Rate on Debt % Related Terms


ZTO Express (Cayman) Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for ZTO Express (Cayman)'s Effective Interest Rate on Debt % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

ZTO Express (Cayman) Effective Interest Rate on Debt % Chart

ZTO Express (Cayman) Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.80 2.07 1.94 2.25 1.64

ZTO Express (Cayman) Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Effective Interest Rate on Debt % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.56 2.15 1.37 0.93 1.20

BSP:Z1TO34 vs EXPD, CHRW, FDXF: Effective Interest Rate on Debt % Comparison

For the Integrated Freight & Logistics subindustry, ZTO Express (Cayman)'s Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


ZTO Express (Cayman) Effective Interest Rate on Debt % vs Transportation Industry

For the Transportation industry and Industrials sector, ZTO Express (Cayman)'s Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where ZTO Express (Cayman)'s Effective Interest Rate on Debt % falls into.


BSP:Z1TO34
95GF Score
ZTO Express (Cayman) Inc BSP:Z1TO34
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

ZTO Express (Cayman) Effective Interest Rate on Debt % Calculation

ZTO Express (Cayman)'s annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2024 )+Total Debt  (A: Dec. 2025 ))/ count )
=-1  *  -192.576/( (14534.678+8890.592)/ 2 )
=-1  *  -192.576/11712.635
=1.64 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=316.515 + 14218.163
=14534.678

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=312.453 + 8578.139
=8890.592

ZTO Express (Cayman)'s annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2025 )+Total Debt  (Q: Mar. 2026 ))/ count )
=-1  *  -152.58/( (8890.592+16536.256)/ 2 )
=-1  *  -152.58/12713.424
=1.20 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=312.453 + 8578.139
=8890.592

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=8030.569 + 8505.687
=16536.256

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is four times the quarterly (Mar. 2026) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 1.20% mean?
ZTO Express (Cayman) (BSP:Z1TO34) has a Effective Interest Rate on Debt % of 1.20% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on ZTO Express (Cayman) and its competitors.
Is ZTO Express (Cayman)'s Effective Interest Rate on Debt % too high?
ZTO Express (Cayman)'s current Effective Interest Rate on Debt % is 1.20%. Overall, ZTO Express (Cayman) has a GF Score™ of 95/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does ZTO Express (Cayman)'s Effective Interest Rate on Debt % compare to EXPD and CHRW?
ZTO Express (Cayman)'s Effective Interest Rate on Debt % of 1.20% can be compared against companies in the Transportation industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a Transportation company?
A good Effective Interest Rate on Debt % depends on the Transportation industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on ZTO Express (Cayman) and its competitors. ZTO Express (Cayman)'s current Effective Interest Rate on Debt % is 1.20%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ZTO Express (Cayman) stock overvalued right now?
Based on GuruFocus' analysis, ZTO Express (Cayman) (BSP:Z1TO34) is currently considered Modestly Undervalued. The stock's GF Value™ is R$36.17, compared to a current price of R$31.23 — trading 13.7% below its estimated fair value. The current Effective Interest Rate on Debt % is 1.20%. ZTO Express (Cayman)'s overall GF Score™ is 95/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For ZTO Express (Cayman) (BSP:Z1TO34), the current Effective Interest Rate on Debt % is 1.20% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is ZTO Express (Cayman) (BSP:Z1TO34) Overvalued in 2026?

Based on GuruFocus' analysis, ZTO Express (Cayman) stock appears to be undervalued. The current stock price of R$31.23 is trading 13.7% below its estimated GF Value™ of R$36.17. GuruFocus considers ZTO Express (Cayman) to be Modestly Undervalued.

Key valuation signals for BSP:Z1TO34:

  • Effective Interest Rate on Debt %: 1.20%
  • GF Value™: R$36.17 vs. price of R$31.23 (13.7% below fair value)
  • GF Score™: 95/100 with 3 warning signs

No single metric tells the full story. See the BSP:Z1TO34 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


ZTO Express (Cayman) Business Description

Address No. 1685 Huazhi Road, Building One, Qingpu District, Shanghai, CHN, 201708
ZTO Express is China's largest express delivery company by parcel volume, with a volume share of 19.4% in 2024. It operates a network partner model where it provides line-haul transportation and sorting services, while its local network partners provide first-mile pickup and last-mile delivery services under the ZTO brand name. Headquartered in Shanghai, the company was founded in 2002 by Meisong Lai, who remains chair, CEO, and its major shareholder with 78% voting rights as of March 31, 2025. ZTO's strategic shareholder is leading China e-commerce company Alibaba Group with around an 8.9% interest.
95GF Score

Get the complete analysis for BSP:Z1TO34

Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

R$31.23
Price
R$36.17
GF Value