ZTO Express (Cayman) (HKSE:02057) Net Interest Margin (Bank Only) %

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.

HKSE:02057 ZTO Express (Cayman) Inc HKSE:02057
97 GF Score
Price HK$189.40
GF Value HK$230.73
Valuation Modestly Undervalued
! 3 Warning Signs
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What is ZTO Express (Cayman) Net Interest Margin (Bank Only) %?

Net Interest Margin (Bank Only) % only applies to banks.

HKSE:02057
97GF Score
ZTO Express (Cayman) Inc HKSE:02057
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Is ZTO Express (Cayman) (HKSE:02057) Overvalued in 2026?

Based on GuruFocus' analysis, ZTO Express (Cayman) stock appears to be undervalued. The current stock price of HK$189.40 is trading 17.9% below its estimated GF Value™ of HK$230.73. GuruFocus considers ZTO Express (Cayman) to be Modestly Undervalued.

Key valuation signals for HKSE:02057:

  • Net Interest Margin (Bank Only) %:
  • GF Value™: HK$230.73 vs. price of HK$189.40 (17.9% below fair value)
  • GF Score™: 97/100 with 3 warning signs

No single metric tells the full story. See the HKSE:02057 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

ZTO Express (Cayman) Business Description

Other Exchanges ZTO:USA0A33:UKZTOB:Germany
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.
97GF Score

Get the complete analysis for HKSE:02057

Net Interest Margin (Bank Only) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

HK$189.40
Price
HK$230.73
GF Value