NU (NYSE:NU – Get Free Report) and Agri Bank China (OTCMKTS:ACGBY – Get Free Report) are both large-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their profitability, risk, analyst recommendations, dividends, earnings, institutional ownership and valuation.
Profitability
This table compares NU and Agri Bank China’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| NU | 17.97% | 30.12% | 4.66% |
| Agri Bank China | 21.14% | 9.25% | 0.63% |
Analyst Ratings
This is a breakdown of recent ratings for NU and Agri Bank China, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| NU | 0 | 3 | 10 | 1 | 2.86 |
| Agri Bank China | 0 | 0 | 0 | 0 | 0.00 |
Risk and Volatility
NU has a beta of 1.08, meaning that its stock price is 8% more volatile than the S&P 500. Comparatively, Agri Bank China has a beta of 0.08, meaning that its stock price is 92% less volatile than the S&P 500.
Valuation & Earnings
This table compares NU and Agri Bank China”s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| NU | $11.52 billion | 7.11 | $1.97 billion | $0.51 | 33.30 |
| Agri Bank China | $195.64 billion | 1.24 | $39.24 billion | $2.70 | 6.41 |
Agri Bank China has higher revenue and earnings than NU. Agri Bank China is trading at a lower price-to-earnings ratio than NU, indicating that it is currently the more affordable of the two stocks.
Insider & Institutional Ownership
84.0% of NU shares are owned by institutional investors. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.
Summary
NU beats Agri Bank China on 10 of the 14 factors compared between the two stocks.
About NU
Nu Holdings Ltd. is a holding company, which engages in the provision of digital banking services. The company was founded by David Vélez Osorno, Cristina Helena Zingaretti Junqueira, and Adam Edward Wible on February 26, 2016 and is headquartered in George Town, Cayman Islands.
About Agri Bank China
Agricultural Bank of China Limited, together with its subsidiaries, provides banking products and services. The company operates through Corporate Banking, Personal Banking, and Treasury Operations segments. It offers demand, personal call, foreign currency call, time or demand optional, foreign exchange call, foreign exchange time, savings, agreed term, and negotiated deposit accounts, as well as certificates of deposit; and loans, including housing, consumer, business, fixed asset, working capital, real estate, and entrusted syndicated loans, as well as trade finances, guarantees and commitments, and loans with custody of export rebates accounts. The company provides credit card, debit card, payment and settlement, private banking, cash management, investment banking, custody, financial market, and financial institution services, as well as trading and wealth management services; and personal fund collection and automatic transfer services. In addition, it offers agro-related personal and corporate banking products and services; telephone, mobile, self-service, television, and SMS banking services; financial leasing services; fund management services; asset custodian services; and insurance and reinsurance related products and services. The company operates domestic branches, including specialized institutions, training institutes, tier-1 branches, tier-2 branches, tier-1 sub-branches, foundation-level branch outlets and other establishments; overseas branches in Hong Kong, Singapore, Seoul, New York, Dubai International Financial Centre, Tokyo, Frankfurt, Sydney, Luxemburg, Dubai, London, Macao, and Hanoi; and overseas representative offices in Vancouver, Taipei, Sao Paulo, and Dushanbe. The company was founded in 1951 and is based in Beijing, the People's Republic of China.
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