Agricultural Bank of China Ltd Class A (601288) fair value: what the stock is really worth
As of Nov 5, 2026: fair value (intrinsic value) of Agricultural Bank of China Ltd Class A stock ¥9.14, price ¥7.25, upside +26.1%, quality 61 out of 100. Rating: undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Agricultural Bank of China Ltd Class A
601288 · SHGThe stock costs 21% less than our calculation considers fair.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 4, 2026.
How to read this chart
60‑month range ¥2.53 – ¥8.59 · fair‑value band ¥6.86 – ¥11.43 · the ¥7.25 price screens below the ¥9.14 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 4, 2026.
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Company profile
Agricultural Bank of China Limited, together with its subsidiaries, provides banking products and services. The company operates through Corporate Banking, Personal Banking, Treasury operations, and Others segments.
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The Corporate Banking segment offers corporate loans and advances, trade finance, deposit products, corporate wealth management services, and other corporate intermediary services.
The Personal Banking segment provides personal loans, deposit products, card business, and other personal intermediary services. The Treasury Operations segment conducts money market and repurchase transactions, debt instruments investments, precious metals transactions, and derivative transactions.
It offers asset and fund management, financial leasing, life insurance, and investment banking services. It also provides inclusive finance, green finance, pension finance, digital and online financial services, and cross-border financial solutions, as well as services for rural revitalization.
In addition, it provides demand, personal call, foreign currency call and time, time or demand optional, savings, agreed-term, and negotiated deposit accounts; certificates of deposit; and loans, including housing, consumer, personal auto, business, fixed asset, working capital, real estate, bonds, commercial drafts, entrusted syndicated loans, trade finances, guarantees and commitments, and loans with custody of export rebates accounts.
In addition, it offers credit and debit cards, payment and settlement, private banking, cash management, custody, financial market, financial institution services, and trading.
Further, it offers agro-related personal and corporate banking products and services; telephone, mobile, self-service, and SMS banking services; asset custodian services; and reinsurance. The company operates domestic and overseas branches, and representative offices.
The company was founded in 1951 and is based in Beijing, the People's Republic of China.
Stock analysis
Agricultural Bank of China Ltd Class A (601288) currently trades at ¥7.25, while our model-based Fair Value estimate is ¥9.14, implying the stock looks roughly 21% undervalued today.
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Valuation
Bull case: the Dividend Discount group reads highest at a median of ¥12.65 per share, and 4 of the 6 models we run sit above the ¥7.25 price.
Bear case: the Multiples group reads lowest at ¥6.43, and 2 of the 6 models stay below the price. Data coverage for this calculation is medium.
Scenario range: ¥6.86 (bear) to ¥11.43 (bull), the price of ¥7.25 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 61/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Agricultural Bank of China Ltd Class A reported revenue of 724B CNY in FY2025 versus 556B CNY in FY2021, a compound +6.8%/yr. Reported net income was 291B CNY in FY2025, compounding +4.8%/yr from FY2021.
Key figures
Market cap 2.5T CNY (≈ $381B) Mega · P/E ratio 8.9 · P/S ratio 3.92 · EPS (TTM) ¥0.8400 · Dividend yield 3.6% · Net margin 47.4% · Return on equity 9.4% · Return on assets (EBIT) 1.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 65 out of 100 (low confidence).
What moves the price
The share trades about 16% below its 52-week high and 23% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −18% fair-value upside, at 26%, 601288 screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Revenue & earnings trend
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Earlier news
- Agricultural Bank Of China (SEHK:1288) Could Be 53% Below Fair Value On Tier 2 Note Issue
- SunCar Wins Major Bid to Manage Agricultural Bank of China’s Concierge Chauffeur Services
Compare Agricultural Bank of China Ltd Class A with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Diversified · 46 stocks
Valuation Multiplesvs Banks - Diversified median · lower = cheaper
Strength profile in five axes (Snowflake)
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- PEG ratio by industry
- Revenue growth by industry
- PEG screener for stocks with fair value
- Undervalued stocks: Chinese Stocks
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Diversified stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Industrial and Commercial Bank of China Limited 601398 | ¥8.35 | ¥10.52 | +26% | vs 601288 |
| Bank of China Limited 601988 | ¥6.77 | ¥7.73 | +14% | vs 601288 |
| China Construction Bank Corporation 601939 | ¥11.91 | ¥13.33 | +12% | vs 601288 |
| Bank of America Corporation BAC | $49.76 | $42.16 | −15% | vs 601288 |
| Citigroup Inc C | $118.45 | $96.55 | −18% | vs 601288 |
| Wells Fargo & Company WFC | $84.80 | $66.59 | −21% | vs 601288 |
| Mitsubishi UFJ Financial Group MUFG | $21.14 | $14.73 | −30% | vs 601288 |
| Royal Bank of Canada RY | $203.76 | $132.82 | −35% | vs 601288 |
| The Toronto-Dominion Bank, TD | $123.09 | $77.39 | −37% | vs 601288 |
| JPMorgan Chase & Co JPM | $337.34 | $187.04 | −45% | vs 601288 |
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Frequently asked questions
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Key figures of Agricultural Bank of China Ltd Class A
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