Capricorn Group Limited, an investment holding company, engages in the banking, microlending, and related businesses in Namibia, Botswana, and Zambia.
Price History & Performance
|Historical stock prices|
|Current Share Price||R13.23|
|52 Week High||R10.00|
|52 Week Low||R13.50|
|1 Month Change||3.12%|
|3 Month Change||1.93%|
|1 Year Change||1.77%|
|3 Year Change||-17.67%|
|5 Year Change||-22.18%|
|Change since IPO||30.35%|
Recent News & Updates
|CGP||NA Banks||NA Market|
Return vs Industry: CGP underperformed the NA Banks industry which returned 24.9% over the past year.
Return vs Market: CGP exceeded the NA Market which returned 0.4% over the past year.
Stable Share Price: Insufficient data to determine CGP's volatility over the past 3 months.
Volatility Over Time: Insufficient data to determine CGP's volatility change over the past year.
About the Company
Capricorn Group Limited, an investment holding company, engages in the banking, microlending, and related businesses in Namibia, Botswana, and Zambia. The company’s products and services include savings and investment products; credit and loans; insurance products; forex and trade finance; asset management; and investment banking and advisory services, as well as facilitates payments. Its business activities also include property development and valuation; unit trust management; mobile telecommunication services; financial consultancy; custodian of third-party investments; insurance brokerage; ICT network solutions, satellite connectivity, and infrastructure; and property investment.
Capricorn Group Fundamentals Summary
|CGP fundamental statistics|
Is CGP overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|CGP income statement (TTM)|
|Cost of Revenue||N$0|
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
|Earnings per share (EPS)||1.79|
|Net Profit Margin||27.82%|
How did CGP perform over the long term?See historical performance and comparison
4.6%Current Dividend Yield
Is Capricorn Group undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: CGP (ZAR13.23) is trading above our estimate of fair value (ZAR7.74)
Significantly Below Fair Value: CGP is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: CGP is poor value based on its PE Ratio (7.4x) compared to the African Banks industry average (6.5x).
PE vs Market: CGP's PE Ratio (7.4x) is in line with the NA market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate CGP's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: CGP is overvalued based on its PB Ratio (1x) compared to the XF Banks industry average (0.9x).
How is Capricorn Group forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Capricorn Group has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
How has Capricorn Group performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CGP has high quality earnings.
Growing Profit Margin: CGP's current net profit margins (27.8%) are lower than last year (28.6%).
Past Earnings Growth Analysis
Earnings Trend: CGP's earnings have declined by 0.6% per year over the past 5 years.
Accelerating Growth: CGP's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: CGP had negative earnings growth (-0.3%) over the past year, making it difficult to compare to the Banks industry average (11%).
Return on Equity
High ROE: CGP's Return on Equity (14.4%) is considered low.
How is Capricorn Group's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: CGP's Assets to Equity ratio (7.9x) is low.
Allowance for Bad Loans: CGP has a low allowance for bad loans (52%).
Low Risk Liabilities: 82% of CGP's liabilities are made up of primarily low risk sources of funding.
Loan Level: CGP has an appropriate level of Loans to Assets ratio (73%).
Low Risk Deposits: CGP's Loans to Deposits ratio (102%) is appropriate.
Level of Bad Loans: CGP has a high level of bad loans (5.8%).
What is Capricorn Group current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: CGP's dividend (4.56%) is higher than the bottom 25% of dividend payers in the NA market (3.28%).
High Dividend: CGP's dividend (4.56%) is low compared to the top 25% of dividend payers in the NA market (7.87%).
Stability and Growth of Payments
Stable Dividend: CGP has been paying a dividend for less than 10 years and during this time payments have been volatile.
Growing Dividend: CGP's dividend payments have increased, but the company has only paid a dividend for 8 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (33.6%), CGP's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Thinus Prinsloo (50 yo)
Mr. Marthinus Johannes Prinsloo, also known as Thinus, B.Compt (Hons), CA (SA), serves as the Group Chief Executive Officer and Executive Director at Capricorn Group Ltd. (formerly known as Capricorn Inves...
CEO Compensation Analysis
Compensation vs Market: Thinus's total compensation ($USD490.13K) is below average for companies of similar size in the NA market ($USD715.30K).
Compensation vs Earnings: Thinus's compensation has been consistent with company performance over the past year.
Experienced Management: CGP's management team is considered experienced (4.6 years average tenure).
Experienced Board: CGP's board of directors are considered experienced (4.3 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Capricorn Group Limited's employee growth, exchange listings and data sources
- Name: Capricorn Group Limited
- Ticker: CGP
- Exchange: NMSE
- Founded: 1982
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: R6.762b
- Shares outstanding: 511.11m
- Website: https://www.capricorn.com.na
Number of Employees
- Capricorn Group Limited
- Capricorn Group Building
- 6th Floor
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/10/26 17:02|
|End of Day Share Price||2021/10/22 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.