1. South Africa Stocks

  2. •

    Finance

  3. •

    Regional banks
Capitec Limited

Capitec Limited

454,379.00
ZAC
+3,695.00
(+0.82%)
54.95TMarket Cap
Apr 27Next Earn
Capitec Limited
JSE:CPI
(Johannesburg Stock Exchange)

Recent

price

454,379.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
ZAR
34.04
61.2
78.4
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
- -
Revenue per Share
7.51
11.22
15.19
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
- -
Basic EPS, GAAP
-12.18
14.85
16.32
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
- -
Free Cash Flow per Basic Share
2.45
3.52
4.67
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
- -
Dividend per Share
33.09
48.05
72.12
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
Book Value per Share
32.74
47.37
70.93
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
Tangible Book Value per Share
87
96
104
115
115
116
116
116
116
116
116
116
115
115
115
115
116
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
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
59,513
Total Equity
25
17.46
12.96
11.94
13.56
16
17.39
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
25.34
17.51
12.98
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 Capital (%)
28.46
26.48
24.03
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
- -
Return on Common Equity (%)

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
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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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