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Capitec Bank

JNB:CPI · ZAE000035861
BanksMedium

360

75
Profit price1
Cash yield39
Price/Sales1
EV / Gross Profit21
Price/Book1
Returns on capital100
Profit margins—
Cash Conversion72
Accruals35
Owner Earnings Margin61
Sales growth88
Profit Growth52
Long-Term EPS Growth94
Owner Earnings Growth84
Reinvestment52
Price momentum71
Debt load66
Debt serviceability19
Liquidity98
Analyst ratings33
Opinion Changes50
Price Target Upside63
Market mood89
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Capitec Bank generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountrySouth Africa
IndustryBanks
SizeMedium
TypePublic Company
ExchangeJSE
Founded1999
Employees11,623
Websitecapitecbank.co.za
ISINZAE000035861
Last UpdateApr 2, 2026
Indices
JSE All Shares (South Africa)
Themes
NeobankOnline PaymentsInsurtech

Description

Capitec Bank Holdings Limited (Capitec) focuses on improving the financial lives of clients through accessible banking and innovative financial solutions. Capitec’s business model is built on affordability, simplicity, and a client-centric approach,…

Analysis

Beloved champion

Capitec Bank Holdings Limited sits in the top corner of our grid: excellent business, premium price; every investor already knows the story.

On valuation, the picture is expensive. The owner-earnings multiple stands at 31.9×; owner earnings: the cash an owner could take out each year. The implied growth embedded in that price is around 13% a year, against analyst forecasts of 20%. The price, in other words, assumes less than the experts do.

Growth is solid and accelerating; the safety picture is stretched. The company scores 20/20 on our value-creation score: strong value creator.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
70
2023202420252026

All-time high

84

Jan 2025

All-time low

13

Jan 2024

Average rank

58

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
1
12
15
11
Price/Earnings
3
5
13
11
Price/Book
1
1
3
3
Dividend Yield
39
30
30
32
Value (overall)
4
7
5
11

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
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