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    Banks - Regional
Capitec Bank Holdings Limited

Capitec Bank Holdings Limited

CKHGY
Capitec Bank Holdings LimitedUS flagOther OTC
135.91
USD
+0.00
- -
31.49BMarket Cap
Capitec Bank Holdings Limited
CKHGY
(Other OTC)

Recent

price

135.91

P/E

ratio

- -

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
FRC
17.02
30.6
39.2
43.63
50.33
58.22
68.33
76.96
82.24
91.38
99.48
116.59
129.01
156.24
189.73
225.8
Revenue per Share
3.76
5.61
7.6
8.76
11.04
13.89
16.39
19.28
22.86
27
19.26
36.86
39.66
45.78
59.55
72.95
Basic EPS, GAAP
-6.09
7.42
8.16
25.88
27.16
30.2
36.77
48.01
53.75
64.87
124.94
56.88
13.41
69.18
102.01
77.14
Free Cash Flow per Basic Share
1.23
1.76
2.34
3.12
3.61
4.9
5.72
6.68
7.92
9.4
0.03
14
26.84
21.77
27.33
35.4
Dividend per Share
18.29
10.45
14.1
17.93
24.73
33.61
44.67
56.88
68.98
85.86
104.76
127.83
138.31
162.23
194.61
232.04
Book Value per Share
19.56
26.7
40.18
42.46
49.11
58.02
68.49
80.47
92.36
104.68
122.96
148.83
158.2
182.62
213.65
251.49
Tangible Book Value per Share
175
192
208
230
231
231
231
231
231
231
231
231
231
231
231
231
Basic Weighted Avg Shares
2,973
5,863
8,172
10,049
11,605
13,464
15,801
17,797
19,019
21,131
23,005
26,961
29,752
36,043
43,767
52,094
Sales/Revenue/Turnover
31.63
26.57
27.87
28.17
30.67
33.22
33.17
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
127
174
247
325
368
403
537
560
633
1,128
1,242
1,224
1,151
1,367
1,450
1,584
Depreciation Expense
656
1,094
1,605
2,038
2,564
3,228
3,807
4,471
5,295
6,251
4,458
8,527
9,151
10,567
13,742
16,833
Net Income, GAAP
30.23
29.75
29.55
28.09
27.98
27.82
27.36
27.37
25.17
22.41
20.22
22.02
21.4
21.42
22.5
24.09
Effective Tax Rate (%)
22.07
18.67
19.63
20.28
22.09
23.98
24.09
25.12
27.84
29.58
19.38
31.63
30.76
29.32
31.4
32.31
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
3,867
7,154
8,421
7,829
7,289
6,679
5,320
4,682
6,489
4,877
4,485
4,744
5,404
5,273
3,639
LT Debt
3,451
5,185
8,513
9,982
11,564
13,659
16,118
18,892
21,676
25,581
29,915
35,766
37,920
43,531
50,913
59,513
Total Equity
25
17.46
12.96
11.94
13.57
16
17.39
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
27.42
41.36
64.08
57.05
51.79
47.68
41.88
37.97
36.33
34.88
20.21
31.69
29.77
30.47
33.38
34.2
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
No data availableFinancial data will appear here once available

Working Capital

FRC

•

in mil. unless spec.
No data availableFinancial data will appear here once available

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
15.91%
14.84%
16.89%
Free Cash Flow
48.59%
61.67%
-24.37%
Net Income, GAAP
20.98%
33.32%
22.49%
Sales/Revenue/Turnover
14.6%
17.83%
19.03%
Total Cash Common Dividend
17,580.65%
35,166.84%
29.56%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
36,043
2025
- -
- -
- -
- -
43,767
2026
- -
- -
- -
- -
52,094

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
45.78
2025
- -
- -
- -
- -
59.55
2026
- -
- -
- -
- -
72.95

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
21.77
2025
- -
- -
- -
- -
27.33
2026
- -
- -
- -
- -
35.4
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Business
Capitec Bank Holdings Limited (CPI: JSE; CKHGY: OTC) operates as a South African retail bank focused on providing accessible, low-cost banking services to mass-market customers. The company offers a range of personal and business banking products including transaction accounts, credit cards, personal loans, home loans, vehicle finance, savings accounts, fixed deposits, and insurance products such as life, credit life, funeral, and short-term cover; it also provides digital banking services through its app and online platform, payment solutions, and business lending. Founded in 1999 and headquartered in Stellenbosch, South Africa, Capitec primarily serves individual consumers and small businesses across South Africa, with operations concentrated in the domestic market. In recent developments, Capitec has expanded its digital offerings with enhanced app features for payments and investments, completed the acquisition of certain assets to bolster its fintech capabilities in 2024, and announced strategic partnerships for embedded finance initiatives as of late 2025. The bank continues to grow its customer base, surpassing 20 million active clients, while maintaining its position as South Africa's largest bank by client numbers.

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