The historical rank and industry rank for Agricultural Bank of China's ROE % or its related term are showing as below:
HAM:EK7'
s ROE % Range Over the Past 10 Years
Min: 9.2 Med: 10.42 Max: 14.55
Current: 9.21
During the past 13 years, Agricultural Bank of China's highest ROE % was 14.55%. The lowest was 9.20%. And the median was 10.42%.
HAM:EK7's ROE % is ranked worse than 57.56% of 1527
companies
in the Banks industry
Industry Median: 10.23
vs HAM:EK7: 9.21
Agricultural Bank of China (HAM:EK7) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Diversified subindustry, Agricultural Bank of China's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Agricultural Bank of China's ROE % distribution charts can be found below:
* The bar in red indicates where Agricultural Bank of China's ROE % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Agricultural Bank of China (HAM:EK7) has a ROE % of 9.36% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Agricultural Bank of China and its competitors. This is 10% below median its historical median of 10.42. Over the past decade, Agricultural Bank of China's ROE % has ranged from 9.20 to 14.55. According to the industry distribution chart, Agricultural Bank of China ranks #879 out of 1527 companies in the Banks industry, placing it in the top 57.6%.
Is Agricultural Bank of China's ROE % too high?
Agricultural Bank of China's current ROE % of 9.36% is 10% below median its 10-year median of 10.42. Over the past 10 years, this metric has ranged from a low of 9.20 to a high of 14.55. The Banks industry median ROE % is 10.23. Agricultural Bank of China's value of 9.36% is 8.5% below this industry median. Based on the distribution chart, Agricultural Bank of China ranks #879 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, Agricultural Bank of China has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Agricultural Bank of China's ROE % compare to JPM and BAC?
According to the Banks industry distribution chart, Agricultural Bank of China ranks #879 out of 1527 companies for ROE %. This places Agricultural Bank of China in the lower half of its industry. The industry median ROE % is 10.23. Agricultural Bank of China's value of 9.36% is 8.5% below this benchmark. Historically, Agricultural Bank of China's own ROE % has ranged from 9.20 to 14.55 over the past decade. While the company's 10-year median is 10.42 vs. the industry median of 10.23, Agricultural Bank of China has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % for a Banks company?
The median ROE % among Banks companies is 10.23, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Agricultural Bank of China's current ROE % of 9.36% is 8.5% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Agricultural Bank of China and its competitors. For the Banks industry, the median ROE % is 10.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Agricultural Bank of China's current ROE % is 9.36%, which is 10% below median its own 10-year median of 10.42. 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 €0.50, compared to a current price of €0.59 — trading 17.3% above its estimated fair value. The current ROE % is 9.36%, which is 10% below median its 10-year median of 10.42 and 8.5% below the Banks industry median of 10.23. Agricultural Bank of China's overall GF Score™ is 62/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Agricultural Bank of China (HAM:EK7), the current ROE % is 9.36% as of Mar. 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 €0.59 is trading 17.3% above its estimated GF Value™ of €0.50.
GuruFocus considers Agricultural Bank of China to be Modestly Overvalued.
Key valuation signals for HAM:EK7:
ROE %: 9.36% (10% below median its 10-year median of 10.42)
GF Value™: €0.50 vs. price of €0.59 (17.3% above fair value)
Industry Position: 8.5% below the Banks median (#879 of 1527)
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.
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.
62GF Score
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