Capitec Limited

Capitec Limited

450,684.00
ZAC
-975.00
(-0.22%)
54.95TMarket Cap
Apr 27Next Earn
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
87.26
100.65
116.44
136.65
153.92
164.49
182.75
198.96
233.18
258.02
312.48
379.46
451.61
- -
Basic EPS, GAAP
17.52
22.08
27.78
32.79
38.56
45.72
54
38.52
73.72
79.33
91.57
119.11
145.9
- -
Free Cash Flow per Basic Share
51.76
54.31
60.4
73.53
96.02
107.49
129.74
249.88
113.75
26.81
138.36
204.02
154.29
- -
Dividend per Share
6.24
7.22
9.79
11.44
13.36
15.83
18.81
0.05
28
53.68
43.55
54.66
70.79
- -
Book Value per Share
86.58
100.01
118.13
139.4
163.38
187.46
221.24
258.72
309.32
327.5
375.89
439.31
513.46
513.46
Tangible Book Value per Share
84.83
97.94
116.03
136.98
160.94
184.73
209.35
245.91
297.66
315.11
363.78
425.25
500.55
500.55
Basic Weighted Avg Shares
115
115
116
116
116
116
116
116
116
115
115
115
115
116
Sales/Revenue/Turnover
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
- -
Operating Margin (%)
28.17
30.67
33.22
33.17
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
325
368
403
537
560
633
1,128
1,242
1,224
1,151
1,367
1,450
1,584
- -
Net Income, GAAP
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
- -
Effective Tax Rate (%)
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
- -
Profit Margin (%)
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
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
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
3,639
Total Equity
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
59,513
Return on Invested Capital (%)
11.94
13.56
16
17.39
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
11.96
13.57
16
17.4
19.02
20.94
21.4
13.34
22.73
22.07
23.07
26.13
28.2
- -
Return on Common Equity (%)
22.12
23.63
25.47
25.46
25.47
26.06
26.43
16.05
25.96
24.83
25.94
29.1
30.5
- -

Capital Structure

ZAR

•

in mil. unless spec.
Feb'25
Aug'26
Feb'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
116
116
116
Market Capitalization
356,081
413,273
549,494

Working Capital

ZAR

•

in mil. unless spec.
Feb'25
Aug'26
Feb'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
29,329
52,520
29,636
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

ZAR

•

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%

Semi-annual Revenue

ZAR

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
36,043
2025
- -
- -
43,767
2026
- -
- -
52,094

Semi-annual Earnings Per Share

ZAR

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
91.57
2025
- -
- -
119.11
2026
- -
- -
145.9

Semi-annual Dividends Per Share

ZAR

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
43.55
2025
- -
- -
54.66
2026
- -
- -
70.79

Company Description

CEO
Graham Lee
Full Time Employees
17,672
Sector
Finance
Industry
Regional banks
Address
5 Neutron Road Stellenbosch WC South Africa 7600
IPO Date
Feb 18, 2002
Business
Capitec Bank Holdings Limited (CPI.JO), through its subsidiaries, provides retail, business banking, and insurance products and services primarily in South Africa. The company operates through three segments including Personal Banking, Business Banking, and Insurance; offers transactional banking, flexible notice fixed and tax-free savings call and notice deposits; term home personal vehicle education home improvement business term medical instalment short-term and mortgage loans; overdrafts instalment sales and leases credit and debit cards access facilities; payment merchant forex franchising and value-added services; treasury products such as foreign exchange spot trades and forward contracts; trade finance including letters of credit trade guarantees bills of collection and exchange control; vehicle and asset finance property finance rental finance credit line products and card machines; and insurance products comprising general fleet agricultural engineering motor traders hospitality contractors all risk life credit and funeral cover. Founded in 2001 and headquartered in Stellenbosch South Africa the company serves over 23 million clients through branches automated teller machines and digital channels including a banking app with 12.4 million active users; targets individual consumers small to medium enterprises and underbanked markets domestically while expanding internationally. Recent developments include the May 2024 acquisition of AvaFin Holding Limited a leading online consumer lender operating in Poland Latvia Czechia Spain and Mexico for strategic global expansion contributing R66 million in profit after tax from May to August 2024; launch of affordable life cover in June 2024 accumulating 38 526 active policies by August; strong growth in value-added services with 73% net income increase to R2.0 billion and Capitec Connect mobile virtual network operator reaching 1.2 million active SIMs; 30% expansion in business banking clients amid fee alignments for SMEs; and 36% headline earnings growth to R6.4 billion for the six months ended 31 August 2024 driven by digital transformation and diversification.

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