Agricultural Bank of China (HAM:EK7) Moat Score: 6/10 (As of Jul. 11, 2026)


HAM:EK7 Agricultural Bank of China Ltd HAM:EK7
69 GF Score
Price €0.60
GF Value €0.51
Valuation Modestly Overvalued
! 2 Warning Signs
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What is Agricultural Bank of China Moat Score?

Agricultural Bank of China HAM:EK7 -0.33% 69 Moat Score is 6 as of Jul. 11, 2026. GuruFocus rates HAM:EK7 with a GF Score™ of 69/100 and a GF Value™ of €0.51 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 1,608 Banks companies, Agricultural Bank of China ranks better than 97.82% on this metric.

Agricultural Bank of China has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Agricultural Bank of China has Narrow Moat: Agricultural Bank of China benefits from a strong brand and significant market share in China. It has some regulatory advantages and economies of scale, but intense competition and limited pricing power prevent it from achieving a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Agricultural Bank of China might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Agricultural Bank of China  (HAM:EK7) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Agricultural Bank of China Moat Score Related Terms

HAM:EK7 vs JPM, BAC, WFC: Moat Score Comparison

For the Banks - Diversified subindustry, Agricultural Bank of China's Moat Score, along with its competitors' market caps and Moat Score 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.

Agricultural Bank of China Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Agricultural Bank of China's Moat Score distribution charts can be found below:

* The bar in red indicates where Agricultural Bank of China's Moat Score falls into.


HAM:EK7
69GF Score
Agricultural Bank of China Ltd HAM:EK7
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 6 mean?
Agricultural Bank of China (HAM:EK7) has a Moat Score of 6 as of Jul. 11, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Agricultural Bank of China ranks #35 out of 1608 companies in the Banks industry, placing it in the top 2.2%.
Is Agricultural Bank of China's Moat Score too high?
Agricultural Bank of China's current Moat Score is 6. Based on the distribution chart, Agricultural Bank of China ranks #35 out of 1608 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Agricultural Bank of China has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Agricultural Bank of China's Moat Score compare to JPM and BAC?
According to the Banks industry distribution chart, Agricultural Bank of China ranks #35 out of 1608 companies for Moat Score. This places Agricultural Bank of China in the top 2% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Agricultural Bank of China's current Moat Score is 6. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Agricultural Bank of China stock overvalued right now?
Based on GuruFocus' analysis, Agricultural Bank of China (HAM:EK7) is currently considered Modestly Overvalued. The stock's GF Value™ is €0.51, compared to a current price of €0.60 — trading 17.1% above its estimated fair value. The current Moat Score is 6. Agricultural Bank of China's overall GF Score™ is 69/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Agricultural Bank of China (HAM:EK7), the current Moat Score is 6 as of Jul. 11, 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 Agricultural Bank of China (HAM:EK7) Overvalued in 2026?

Based on GuruFocus' analysis, Agricultural Bank of China stock appears to be overvalued. The current stock price of €0.60 is trading 17.1% above its estimated GF Value™ of €0.51. GuruFocus considers Agricultural Bank of China to be Modestly Overvalued.

Key valuation signals for HAM:EK7:

  • Moat Score: 6
  • GF Value™: €0.51 vs. price of €0.60 (17.1% above fair value)
  • GF Score™: 69/100 with 2 warning signs

No single metric tells the full story. See the HAM:EK7 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Agricultural Bank of China Business Description

Address 50 Connaught Road, 25th Floor, Agricultural Bank of China Tower, Central, Hong Kong, HKG
As one of the Big Four banks, ABC is headquartered in Beijing. The bank evolved from a state-owned specialized bank to a state-controlled commercial bank. It was listed on the Hong Kong and Shanghai Stock Exchanges in 2010. ABC operates a more than 22,000-branch network in China, providing corporate and retail banking products and services, and carries out treasury operations for its accounts or for its customers. Shareholders Central Huijin, China's state-owned investment company, and the Ministry of Finance own 40.14% and 35.29%, respectively. Corporate banking, retail banking, and wholesale banking accounted for 36%, 53%, and 7% of total revenue in 2025, respectively. Rural banking and urban banking contributed 49.6% and 50.4%, respectively, of total revenue during the same period.
69GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.60
Price
€0.51
GF Value