Capitec Limited

JSE:CPI 주식 리포트

시가총액: R560.7b

Capitec 향후 성장

Future 기준 점검 4/6

Capitec (는) 각각 연간 16.3% 및 18.9% 수익과 수익이 증가할 것으로 예상됩니다. EPS는 연간 16.1% 만큼 성장할 것으로 예상됩니다. 자기자본이익률은 3년 후 31.5% 로 예상됩니다.

핵심 정보

16.3%

이익 성장률

16.13%

EPS 성장률

Banks 이익 성장13.0%
매출 성장률18.9%
향후 자기자본이익률31.49%
애널리스트 커버리지

Good

마지막 업데이트03 Aug 2026

최근 향후 성장 업데이트

Recent updates

내러티브 업데이트 • Jul 27

CPI: Higher Revenue Assumptions And Shareholder Meeting Will Support Bullish Outlook

Analysts have lifted their price target for Capitec Bank Holdings from ZAR5,050.94 to ZAR5,225.14, citing updated assumptions around revenue growth, profit margins and future P/E estimates. What’s in the News for Capitec Bank Holdings Capitec Bank Holdings has a Special or Extraordinary Shareholders Meeting scheduled for July 30, 2026, according to the company’s event calendar.
내러티브 업데이트 • Jul 13

CPI: Richer P/E Assumptions Will Sustain Excessive Share Pricing

Analysts have lifted their price target for Capitec Bank Holdings from ZAR3,881.06 to ZAR4,091.88, citing updated assumptions for revenue growth, profit margins and future P/E that modestly adjust their valuation model. What’s in the News for Capitec Bank Holdings Capitec Bank Holdings has scheduled a Special or Extraordinary Shareholders Meeting for Jul 30, 2026, according to key developments data.
내러티브 업데이트 • Jun 29

CPI: Revised Assumptions Point To Stable Margins And Balanced Outlook

The analyst price target for Capitec Bank Holdings has been revised from ZAR4,930.25 to ZAR5,050.94, with analysts citing minor changes in fair value, discount rate, revenue growth, profit margin and future P/E assumptions to support the updated figure. What’s in the News for Capitec Bank Holdings No recent news stories for Capitec Bank Holdings are provided in the primary news source.
내러티브 업데이트 • Jun 15

CPI: Higher P/E Assumptions Will Continue To Support Overpriced Shares

Analysts have adjusted their fair value estimate for Capitec Bank Holdings to ZAR3,881.06 from ZAR3,817.98, reflecting updated assumptions on revenue growth, profit margins and future P/E levels. What's in the News No recent company specific news items were provided in the supplied sources for Capitec Bank Holdings.
내러티브 업데이트 • Jun 01

CPI: Higher Profit Margins And Richer P/E Will Support Future Share Repricing

Analysts have lifted their price target for Capitec Bank Holdings from ZAR4,990 to ZAR5,686, citing updated assumptions that include a slightly lower discount rate, adjustments to revenue growth expectations, a higher profit margin, and a modestly higher future P/E multiple. Valuation Changes Fair Value: Updated from ZAR4,990 to ZAR5,686, indicating a higher central estimate for the stock.
내러티브 업데이트 • May 17

CPI: Higher Margin And P/E Assumptions Will Sustain Overpriced Shares

Analysts have lifted their fair value estimate for Capitec Bank Holdings from ZAR3,417.99 to ZAR3,817.98, citing updated assumptions for discount rates, revenue growth, profit margins, and future P/E expectations. Valuation Changes Fair Value: Updated from ZAR3,417.99 to ZAR3,817.98, reflecting a higher central estimate of worth per share.
내러티브 업데이트 • May 03

CPI: Earnings Guidance Will Drive Higher Margin Expectations And Bullish Outlook

Analysts have adjusted their price target for Capitec Bank Holdings from ZAR4,771.37 to ZAR4,930.25, citing updated assumptions for revenue growth, profit margins, and forward P/E multiples as key drivers of the change. What's in the News Capitec Bank Holdings issued group earnings guidance for the year ending 28 February 2026, covering both headline earnings per share and earnings per share.
내러티브 업데이트 • Apr 19

CPI: 2026 Earnings Guidance Will Continue To Support Overpriced Shares

Analysts have nudged their price target for Capitec Bank Holdings slightly higher to ZAR3,418 from about ZAR3,416, reflecting updated assumptions around revenue growth, profit margins and future P/E levels. What's in the News Capitec Bank Holdings issued group earnings guidance for the year ending 28 February 2026, covering both headline earnings per share and earnings per share.
내러티브 업데이트 • Apr 05

CPI: 2026 Earnings Guidance Will Likely Sustain Overpriced Share Levels

Analysts have made a small downward adjustment to the Capitec Bank Holdings price target to ZAR3,416 from ZAR3,446, reflecting updated assumptions around slightly higher revenue growth, a marginally lower profit margin and a modestly lower future P/E multiple. What's in the News Capitec Bank Holdings issued group earnings guidance for the year ending 28 February 2026, giving investors an early view of expected financial outcomes.
내러티브 업데이트 • Mar 22

CPI: 2026 Earnings Guidance Will Likely Keep Shares Looking Overpriced

Analysts have adjusted their ZAR fair value estimate for Capitec Bank Holdings to ZAR3,445.76 per share, reflecting updated assumptions around revenue growth, profit margin and future P/E levels. What's in the News Capitec Bank Holdings issued group earnings guidance for the year ending 28 February 2026, giving investors an updated reference point for expected profitability.
내러티브 업데이트 • Mar 08

CPI: Earnings Guidance Uplift Will Likely Keep Shares Looking Overpriced

Analysts have trimmed their price target for Capitec Bank Holdings slightly, with fair value moving from ZAR3,474.12 to ZAR3,445.76 as they factor in updated assumptions for discount rate, revenue growth, profit margin and future P/E. What's in the News Capitec Bank Holdings issued group earnings guidance for the year ending 28 February 2026, covering both headline earnings per share and earnings per share.
내러티브 업데이트 • Feb 22

CPI: Earnings Guidance And Higher P/E Assumptions Will Shape Balanced Outlook

Analysts now put their fair value estimate for Capitec Bank Holdings at ZAR4,771.37, up from the previous ZAR4,647.92. This reflects updated assumptions about profit margins and future P/E levels, while the discount rate and revenue growth outlook remain broadly unchanged.
내러티브 업데이트 • Feb 07

CPI: Revised Discount Rate And P/E Assumptions Will Shape Balanced Outlook

Analysts have reduced their fair value estimate for Capitec Bank Holdings from R4,671.17 to R4,647.92, citing updated assumptions around discount rates, revenue growth, profit margins and future P/E levels. Valuation Changes Fair Value: Reduced slightly from ZAR 4,671.17 to ZAR 4,647.92 per share.
내러티브 업데이트 • Jan 24

CPI: Higher Forecast Assumptions Will Likely Leave Shares Looking Overpriced

Analysts have raised their price target for Capitec Bank Holdings from R2,903.38 to R3,474.12, citing updated assumptions that include higher revenue growth, a slightly different discount rate, a modestly higher profit margin, and a lower future P/E multiple. Valuation Changes Fair Value Estimate: Adjusted from ZAR2,903.38 to ZAR3,474.12, reflecting a higher assessed intrinsic value per share.
내러티브 업데이트 • Jan 09

CPI: Higher Future P/E Assumptions Will Support More Upbeat Outlook

Analysts have adjusted their price target for Capitec Bank Holdings from R4,368.07 to R4,671.17. This reflects updated views on slightly higher revenue growth, a modestly lower profit margin and a higher assumed future P/E multiple.
내러티브 업데이트 • Dec 22

CPI: Higher Dividend Payouts Will Support A Stronger Future Share Repricing

Analysts have raised their fair value estimate for Capitec Bank Holdings from R4,440 to R4,990, citing slightly lower projected revenue growth and profit margins being more than offset by expectations of a higher future price to earnings multiple. What's in the News Directors declared a gross interim dividend of 2,620 cents per ordinary share for the six months ended 31 August 2025, up from 2,085 cents in 2024, reflecting a substantial year on year increase in shareholder payouts (company announcement).
내러티브 업데이트 • Dec 08

CPI: Dividend Increase And Stable Risk Profile Will Support Balanced Outlook

Analysts have raised their price target for Capitec Bank Holdings slightly, reflecting an updated fair value estimate of R4,368.07 from R4,297.07. This change factors in marginally higher long term revenue growth expectations and a somewhat richer future earnings multiple, despite a broadly unchanged risk profile and profit margin outlook.
내러티브 업데이트 • Nov 24

CPI: Higher Dividend And Margin Decline Will Support Balanced Outlook

Analysts have raised their price target for Capitec Bank Holdings from R4,143.19 to R4,297.07. They cite slight improvements in revenue growth expectations and a marginally lower discount rate as key drivers of this upward adjustment.
내러티브 업데이트 • Nov 05

CPI: Dividend Increase And Profit Margins Will Support Fair Valuation

Analysts have raised their price target for Capitec Bank Holdings from R4,051 to R4,143, citing incremental improvements in expected revenue growth. This comes despite a slight dip in forecast profit margins and a modestly higher forward valuation multiple.
내러티브 업데이트 • Oct 22

Analysts Adjust Capitec Valuation as Earnings and Dividend Forecasts Show Strong Growth

Analysts have marginally lowered their fair value estimate for Capitec Bank Holdings from R4,056.86 to R4,050.97. This change reflects subtle adjustments to expectations for revenue growth, profit margins, and valuation multiples.
내러티브 업데이트 • Oct 08

Business Banking And VAS Expansion Will Open New Markets

Narrative Update on Capitec Bank Holdings The analyst price target for Capitec Bank Holdings has increased from R3,925.59 to R4,056.86. This change reflects a higher expected revenue growth rate and an updated outlook from analysts.
내러티브 업데이트 • Sep 04

Business Banking And VAS Expansion Will Open New Markets

With both Capitec Bank Holdings' Future P/E and Net Profit Margin remaining stable, analysts have kept their consensus price target unchanged at ZAR3926. What's in the News Capitec Bank Holdings expects group headline earnings per share for the six months to 31 August 2025 to increase by 22% to 27% versus the prior period, reaching 6,764–7,041 cents.
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새로운 내러티브 • Nov 07

Digital Expansion And Diversification Propel Revenue Growth While Navigating Global Uncertainties

Diversification into insurance, mobile services, and business banking is expected to enhance income sources and boost net margins over time.

이익 및 매출 성장 예측

JSE:CPI - 애널리스트 향후 추정치 및 과거 재무 데이터 (ZAR Millions)
날짜매출이익자유현금흐름영업현금흐름평균 애널리스트 수
2/28/202978,78027,656N/AN/A6
2/29/202869,41623,769N/AN/A6
2/28/202760,57219,961N/AN/A7
2/28/202642,42416,8292,0433,179N/A
11/30/202540,87516,0683,0274,073N/A
8/31/202539,32515,3084,0114,968N/A
5/31/202537,56114,5233,8234,988N/A
2/28/202535,79713,7383,6365,009N/A
11/30/202433,76913,0136,3497,823N/A
8/31/202431,74012,2889,06310,637N/A
5/31/202429,51811,4258,1479,513N/A
2/29/202427,29510,5617,2318,388N/A
11/30/202325,94310,0393,7634,915N/A
8/31/202324,5909,5172951,442N/A
5/31/202324,0039,332-3,934-2,779N/A
2/28/202323,4159,147-8,162-6,999N/A
11/30/202223,6659,039-8,260-7,190N/A
8/31/202223,9158,930-8,358-7,382N/A
5/31/202223,6418,727-4,510-3,590N/A
2/28/202223,3668,523-661201N/A
11/30/202122,1428,135-99739N/A
8/31/202120,9177,7474641,276N/A
5/31/202117,9826,0994,9735,797N/A
2/28/202115,0474,4529,48210,319N/A
11/30/202014,3484,1847,4988,464N/A
8/31/202013,6503,9165,5156,609N/A
5/31/202015,1305,0802,0743,322N/A
2/29/202016,6116,243-1,36736N/A
11/30/201916,1336,011N/A1,657N/A
8/31/201915,6555,779N/A3,278N/A
5/31/201915,1075,532N/A1,903N/A
2/28/201914,5595,285N/A529N/A
11/30/201813,9195,075N/A2,072N/A
8/31/201813,2784,865N/A3,616N/A
5/31/201812,8964,661N/A3,240N/A
2/28/201812,5134,458N/A2,865N/A
11/30/201712,0504,272N/A3,064N/A
8/31/201711,5864,086N/A3,263N/A
5/31/201711,1333,938N/A1,851N/A
2/28/201710,6793,790N/A440N/A
11/30/201610,2233,643N/A829N/A
8/31/20169,7673,496N/A1,218N/A
5/31/20169,4153,355N/A803N/A
2/29/20169,0633,213N/A389N/A
11/30/20158,7363,029N/A1,213N/A
8/31/20158,4082,844N/A2,037N/A

애널리스트 향후 성장 전망

수입 대 저축률: CPI 의 연간 예상 수익 증가율(16.3%)이 saving rate(9.8%)보다 높습니다.

수익 vs 시장: CPI 의 연간 수익(16.3%)이 ZA 시장(13.5%)보다 빠르게 성장할 것으로 예상됩니다.

고성장 수익: CPI 의 수입은 증가할 것으로 예상되지만 상당히 증가하지는 않을 것입니다.

수익 대 시장: CPI 의 수익(연간 18.9%)이 ZA 시장(연간 4.8%)보다 빠르게 성장할 것으로 예상됩니다.

고성장 매출: CPI 의 수익(연간 18.9%)은 연간 20%보다 느리게 증가할 것으로 예상됩니다.

주당순이익 성장 예측

향후 자기자본이익률

미래 ROE: CPI의 자본 수익률은 3년 후 31.5%로 높을 것으로 예상됩니다.

성장 기업 찾아보기

7D

1Y

7D

1Y

7D

1Y

기업 분석 및 재무 데이터 상태

데이터최종 업데이트 (UTC 시간)
기업 분석2026/08/06 02:32
종가2026/08/05 00:00
수익2026/02/28
연간 수익2026/02/28

데이터 소스

당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.

패키지데이터기간미국 소스 예시 *
기업 재무제표10년
  • 손익계산서
  • 현금흐름표
  • 대차대조표
분석가 컨센서스 추정치+3년
  • 재무 예측
  • 분석가 목표주가
시장 가격30년
  • 주가
  • 배당, 분할 및 기타 조치
지분 구조10년
  • 주요 주주
  • 내부자 거래
경영진10년
  • 리더십 팀
  • 이사회
주요 개발10년
  • 회사 공시

* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.

별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.

분석 모델 및 스노우플레이크

이 보고서를 생성하는 데 사용된 분석 모델의 세부 정보는 당사의 GitHub 페이지에서 확인하실 수 있습니다. 또한 보고서 사용 방법에 대한 가이드와 YouTube 튜토리얼도 제공하고 있습니다.

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산업 및 섹터 지표

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분석가 소스

Capitec Limited는 16명의 분석가가 다루고 있습니다. 이 중 9명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.

분석가기관
Ilan StermerAnchor Stockbrokers Proprietary Limited
Jaap MeijerArqaam Capital Research Offshore S.A.L.
Adrienne DamantAvior Capital Markets