Wall Street RegretsThe regret calculator.

What if you'd held ZTO?

A $1,000 investment in ZTO Express (Cayman) Inc. American Depositary Shares, each representing one Class A ordinary share. (ZTO) at the month-end close of 2016-10 would be worth $1,477 at the close of 2026-08 — +47.7% total return, dividends reinvested. The same $1,000 in the S&P 500 would be worth $3,625.

$1,000 since 2016$1,477Total return+47.7%Multiple1.5×CAGR+4.0%

Your scenario

Dates resolve to the nearest month-end close.
Leave empty for "held until today".
Invested at each month-end. Starts on the buy date.

Result

Worth$1,477Gain+$477 (+47.7%)Multiple1.5×CAGR+4.0%

    If you'd bought $1,000 at the start of each year

    Value of $1,000 invested on January 1 of each year, held to 2026-08, dividends included.

    2016$1,4772017$2,0722018$1,5782019$1,5602020$1,0432021$8262022$8472023$8802024$1,0972025$1,1402026$1,046

    Every year, $1,000 from 2016

    YearValue of $1,000Year return
    2016$1,000
    2017$1,313+31.3%
    2018$1,329+1.2%
    2019$1,987+49.5%
    2020$2,508+26.2%
    2021$2,448-2.4%
    2022$2,354-3.9%
    2023$1,888-19.8%
    2024$1,818-3.7%
    2025$1,981+9.0%
    2026$2,072+4.6%

    Best and worst month-end to buy

    The best single month-end close to have bought ZTO was 2016-12 ($10.38): $1,000 then is $2,072 today. The worst was 2020-07 ($33.08): $1,000 then is $650.

    FAQ

    What would $1,000 in ZTO be worth today?

    A $1,000 investment in ZTO Express (Cayman) Inc. American Depositary Shares, each representing one Class A ordinary share. (ZTO) at the start of 2016 would be worth about $1,477 today, a total return of +47.7%. Dividends are reinvested in these figures.

    What were the best and worst years for ZTO?

    ZTO Express (Cayman) Inc. American Depositary Shares, each representing one Class A ordinary share. (ZTO)'s strongest calendar year since 2016 was 2019, a +49.5% return — $1,000 held through that year became about $1,495 by year-end. Its weakest year was 2023, at -19.8%.

    Does the calculator include dividends and splits?

    Yes where available. Prices are adjusted for both stock splits and reinvested dividends (total return), the same measure brokerages use.

    How much would $100 per month in ZTO have grown?

    Investing $100 at the end of every month since 2016-10 would have grown to about $13,493 on $11,900 invested.

    Did ZTO beat the S&P 500?

    Over the same period, $1,000 in the S&P 500 index would be worth $3,625. ZTO trailed the S&P 500 by +59.2% in total return.

    Is this investment advice?

    No. Wall Street Regrets is an entertainment and education tool. Every number is a historical calculation, not a prediction, and past performance never guarantees future results.

    Methodology

    ZTO Express (Cayman) Inc. American Depositary Shares, each representing one Class A ordinary share. (ZTO) historical total-return data from 2016-10 to 2026-08, reduced to month-end closes for the tables above.

    Returns use adjusted close prices from Yahoo Finance historical data — adjusted for stock splits and reinvested dividends — the same convention used by major brokerages. A "year" scenario invests $1,000 at the prior December's month-end close and values it at the latest available month-end close. Non-USD amounts are converted at historical month-end exchange rates (Yahoo Finance): to USD on the buy date and back to your currency at the latest rate, so the return reflects the currency move as well as the asset.

    Month-end resolution means intra-month extremes are not captured in tables; the calculator uses exact trading-day closes where daily data is available. Figures ignore taxes, fees, and the currency effects of non-USD listings. History is not a forecast. Wall Street Regrets is entertainment, not investment advice.

    Full methodology →

    What if you'd held…

    Data: adjusted close prices via Yahoo Finance. As of 2026-08. Not financial advice.