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Agricultural Bank of China Limited (601288.SS)

CNY6.23 +0.12 (+1.96%)
CN SHH Financial Services Banks - Diversified
Address No. 69, Jianguomen Nei Avenue 100005
Beijing, CN
CEO Shu Gu
IPO 2010-07-15
ISIN CNE100000RJ0

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Also trades on Hong Kong Stock Exchange · 1288.HK (HKD) Other OTC · ACGBF (USD) Other OTC · ACGBY (USD) Shanghai Stock Exchange · 601288.SS (CNY) Vienna Stock Exchange · EK7.VI (EUR)
Description

Agricultural Bank of China (ABC) operates as a comprehensive financial institution, delivering a broad spectrum of banking solutions to both corporate clients and individual customers. Its operations are structured into three main divisions: Corporate Banking, Personal Banking, and Treasury Activities. The bank provides a diverse array of deposit products, including instant-access (demand) and short-notice (personal call) accounts, various foreign currency deposits (time, call, demand), flexible time or demand options, certificates of deposit, standard savings accounts, and specially arranged (agreed-term, negotiated) deposit schemes. Its lending portfolio is equally extensive, encompassing mortgages, consumer credit, business loans, financing for fixed assets, working capital facilities, real estate development funding, and syndicated loans. Furthermore, ABC facilitates trade finance, issues guarantees and commitments, and provides loans secured by export rebate accounts. Beyond core banking, ABC delivers a suite of ancillary financial services. These include credit and debit card issuance, payment processing and settlement solutions, bespoke private banking, comprehensive cash management, investment banking expertise, asset custody, financial market operations, and services for other financial institutions. It also offers trading services, wealth management advice, personal fund aggregation, and automated transfer capabilities. The institution further specializes in banking products and services tailored for the agricultural sector, catering to both individuals and businesses. It offers multiple digital and traditional access channels, such as online, telephone, mobile, self-service terminals, television, and SMS banking. Other specialized offerings include financial leasing, investment fund management, asset safeguarding (custody), debt-to-equity conversion programs, and a range of insurance products including life, health, accident coverage, and reinsurance. By the close of 2021 (December 31st), ABC boasted an extensive physical presence. Domestically, its network comprised 22,807 branches, which included three specialized entities, four training centers, 37 primary branches (tier-1), 402 secondary branches (tier-2), 3,348 primary sub-branches, 18,961 fundamental branch outlets, and 50 other operational facilities. Internationally, the bank maintained 13 branches strategically located in major financial hubs such as Hong Kong, Singapore, Seoul, New York, Dubai International Financial Centre, Tokyo, Frankfurt, Sydney, Luxembourg, Dubai, London, Macao, and Hanoi. Additionally, it operated four representative offices abroad, situated in Vancouver, Taipei, Sao Paulo, and Dushanbe. Established in 1951, Agricultural Bank of China Limited has its headquarters in Beijing, People's Republic of China.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
CNY6.23 +0.12 (+1.96%)
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Volume Profile
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Liquidity & share structure
Average Volume
335M
Beta
0.17
Float Shares
22.23B
Free Float %
6.4%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-1.77% -2.49% +1.06% +0.76% -22.47% -13.28% +20.65% +87.08% +103.67% +117.65% +146.67%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
6.23
DCF (Unlevered) 1.56 -75.0%
Ratings Trend (MoM) 63% Bullish
Rating 2024-11 Change
Strong Buy 4 0
Buy 11 0
Hold 7 0
Sell 1 0
Strong Sell 1 0
Quality scores
Altman Z-Score
0.14
Distress
Piotroski F-Score
7 / 9
Strong
MOAT Score
5 / 10
Developing
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
4 / 5
High
ROE Score
3 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
✗ Below peers
  • Revenue growth Banks - Diversified: +4.3%
    +3.7% Q1'26: +178.8% (vs Q1'25)
  • EPS growth Banks - Diversified: +17.7%
    +4.2% Q1'26: +10.5% (vs Q1'25)
  • FCF margin Banks - Diversified: +154.0%
    -315.3% Q1'26: +325.8% (vs Q1'25)
  • EBIT margin Banks - Diversified: +20.4%
    +0.0% Q1'26: +21.8% (vs Q1'25)
  • ROIC Banks - Diversified: +2.3%
    +0.0% Q1'26: +2.4% (vs Q1'25)
  • Share dilution Banks - Diversified: +3.0%
    +0.0% Q1'26: -7.6% (vs Q1'25)
  • Debt / EBITDA Banks - Diversified: 3.66×
    Q1'26: 41.30× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.19) × ERP
WACC = 41% × Ke + 59% × Kd (17.5%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 1.56 Current price: 6.23
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2015
actual
Dec 2016
actual
Dec 2017
actual
Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
7 Rev. Ana.
14 EPS Ana.
Dec 2027
11 Rev. Ana.
14 EPS Ana.
Dec 2028
4 Rev. Ana.
15 EPS Ana.
Revenue
456.69B
est: 538.87B (-15.3%)
423.68B
est: 519.06B (-18.4%)
444.83B
est: 542.63B (-18.0%)
465.91B
est: 602.42B (-22.7%)
490.75B
est: 624.03B (-21.4%)
494.63B
est: 659.91B (-25.0%)
555.86B
est: 707.02B (-21.4%)
550.02B
est: 739.42B (-25.6%)
559.12B
est: 707.70B (-21.0%)
579.72B
est: 704.67B (-17.7%)
1.36T
est: 723.05B (+87.5%)
765.07B
742.74B – 780.31B
+5.8% YoY
813.21B
764.59B – 890.31B
+6.3% YoY
872.20B
832.94B – 923.37B
+7.3% YoY
EBITDA
est: 36.13B (-100.0%)
347.60B
est: 37.07B (+837.6%)
39.23B
38.08B – 40.01B
+5.8% YoY
41.70B
39.20B – 45.65B
+6.3% YoY
44.72B
42.71B – 47.34B
+7.3% YoY
EBIT
est: 33.64B (-100.0%)
323.69B
est: 34.52B (+837.6%)
36.53B
35.46B – 37.26B
+5.8% YoY
38.83B
36.51B – 42.51B
+6.3% YoY
41.64B
39.77B – 44.09B
+7.3% YoY
Net Income
180.58B
est: 191.71B (-5.8%)
183.94B
est: 191.71B (-4.1%)
192.96B
est: 203.57B (-5.2%)
202.78B
est: 208.16B (-2.6%)
212.10B
est: 210.54B (+0.7%)
215.93B
est: 196.41B (+9.9%)
241.18B
est: 220.96B (+9.2%)
259.23B
est: 243.67B (+6.4%)
269.36B
est: 258.73B (+4.1%)
282.08B
est: 283.34B (-0.4%)
291.04B
est: 296.31B (-1.8%)
310.52B
292.35B – 334.20B
+4.8% YoY
325.66B
306.60B – 350.49B
+4.9% YoY
354.40B
333.66B – 381.43B
+8.8% YoY
SGA
185.03B
est: 212.11B (-12.8%)
186.47B
est: 204.32B (-8.7%)
199.62B
est: 213.60B (-6.5%)
204.60B
est: 237.13B (-13.7%)
214.51B
est: 245.64B (-12.7%)
220.22B
est: 259.76B (-15.2%)
250.28B
est: 278.30B (-10.1%)
233.66B
est: 291.06B (-19.7%)
179.36B
est: 278.57B (-35.6%)
189.60B
est: 241.15B (-21.4%)
255.13B
est: 247.44B (+3.1%)
261.82B
254.18B – 267.04B
+5.8% YoY
278.30B
261.66B – 304.68B
+6.3% YoY
298.49B
285.05B – 316.00B
+7.3% YoY
EPS
0.55
est: 0.55 (+0.4%)
0.55
est: 0.55 (+0.4%)
0.58
est: 0.58 (-0.3%)
0.59
est: 0.59 (-0.8%)
0.59
est: 0.60 (-1.9%)
0.59
est: 0.56 (+5.1%)
0.61
est: 0.63 (-3.4%)
0.64
est: 0.70 (-8.1%)
0.68
est: 0.74 (-8.0%)
0.70
est: 0.76 (-7.8%)
0.78
est: 0.79 (-1.8%)
0.83
0.78 – 0.90
+4.8% YoY
0.87
0.82 – 0.94
+4.9% YoY
0.95
0.89 – 1.02
+8.8% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-11 B 3/5 4/5 3/5 3/5 1/5 3/5 3/5
2026-05-08 B+ 3/5 4/5 3/5 3/5 1/5 4/5 4/5
2026-05-07 B+ 3/5 4/5 3/5 3/5 1/5 4/5 4/5
2026-05-06 B+ 3/5 4/5 3/5 3/5 1/5 4/5 4/5
2026-04-30 B+ 3/5 4/5 3/5 3/5 1/5 4/5 4/5
2026-04-29 B 3/5 4/5 3/5 3/5 1/5 3/5 3/5
2026-04-28 B 3/5 4/5 3/5 3/5 1/5 3/5 3/5
2026-04-27 B 3/5 4/5 3/5 3/5 1/5 3/5 3/5
2026-04-24 B 3/5 4/5 3/5 3/5 1/5 3/5 3/5
2026-04-23 B+ 3/5 4/5 3/5 4/5 1/5 3/5 3/5
2026-04-22 B+ 3/5 4/5 3/5 4/5 1/5 3/5 3/5
2026-04-21 B+ 3/5 4/5 3/5 4/5 1/5 3/5 3/5
2026-04-20 B+ 3/5 4/5 3/5 4/5 1/5 3/5 3/5
2026-04-17 B+ 3/5 5/5 3/5 4/5 1/5 3/5 3/5
2026-04-16 B+ 3/5 5/5 3/5 4/5 1/5 3/5 3/5
2026-04-15 B+ 3/5 5/5 3/5 4/5 1/5 3/5 3/5
2026-04-14 B+ 3/5 5/5 3/5 4/5 1/5 3/5 3/5
2026-04-13 B+ 3/5 5/5 3/5 4/5 1/5 3/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-460.49B
OE per share TTM
-0.98
Owner's Yield
-19.32%
Maintenance CapEx ratio
43.66%
Maint CapEx / Avg PPE
23.7%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
711.8K
Shares Outstanding
349.98B

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Shu Gu Executive Chairman 927.4K male
Zhiheng Wang President, Executive Vice Chairman of the Board & Chief Compliance Officer 927.4K male
Qing Liu Joint Company Secretary 892.5K female
Sau Mei Ng Joint Company Secretary 892.5K female
Li Lin Executive Vice President & Executive Director 851.6K
Hong Liu Executive Director 851.6K male
Dajun Wang Executive Vice President 497.7K male
Fanjun Meng Executive Vice President 497.7K male
Wenjin Wang Executive Vice President 497.7K male
Jian Wang Head of Financial & Accounting Department
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits