Capitec has been growing earnings at an average annual rate of 19.3%, while the Banks industry saw earnings growing at 3.9% annually. Revenues have been growing at an average rate of 17.1% per year. Capitec's return on equity is 28.3%, and it has net margins of 39.7%.
Key information
19.31%
Earnings growth rate
19.36%
EPS growth rate
Banks Industry Growth
11.18%
Revenue growth rate
17.08%
Return on equity
28.29%
Net Margin
39.67%
Last Earnings Update
28 Feb 2026
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How Capitec makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
OTCPK:CKHG.F Revenue, expenses and earnings (ZAR Millions)
Date
Revenue
Earnings
G+A Expenses
R&D Expenses
28 Feb 26
42,424
16,829
18,761
0
30 Nov 25
40,875
16,068
17,688
0
31 Aug 25
39,325
15,308
15,166
0
31 May 25
37,561
14,523
15,166
0
28 Feb 25
35,797
13,738
16,616
0
30 Nov 24
33,769
13,013
14,039
0
31 Aug 24
31,740
12,288
11,462
0
31 May 24
29,518
11,425
11,462
0
29 Feb 24
27,295
10,561
11,462
0
30 Nov 23
25,943
10,039
10,621
0
31 Aug 23
24,590
9,517
9,781
0
31 May 23
24,003
9,332
9,781
0
28 Feb 23
23,415
9,147
9,781
0
30 Nov 22
23,665
9,039
10,094
0
31 Aug 22
23,915
8,930
10,407
0
31 May 22
23,641
8,727
10,407
0
28 Feb 22
23,366
8,523
10,407
0
30 Nov 21
22,142
8,135
8,876
0
31 Aug 21
20,917
7,747
7,345
0
31 May 21
17,982
6,099
7,345
0
28 Feb 21
15,047
4,452
7,345
0
30 Nov 20
14,348
4,184
7,062
0
31 Aug 20
13,650
3,916
6,779
0
31 May 20
15,130
5,080
6,779
0
29 Feb 20
16,611
6,243
6,779
0
30 Nov 19
16,133
6,011
6,328
0
31 Aug 19
15,655
5,779
5,878
0
31 May 19
15,107
5,532
5,878
0
28 Feb 19
14,559
5,285
5,878
0
30 Nov 18
13,919
5,075
5,493
0
31 Aug 18
13,278
4,865
5,108
0
31 May 18
12,896
4,661
5,108
0
28 Feb 18
12,513
4,458
5,108
0
30 Nov 17
12,050
4,272
2,554
0
31 Aug 17
11,586
4,086
0
0
31 May 17
11,133
3,938
0
0
28 Feb 17
10,679
3,790
0
0
30 Nov 16
10,223
3,643
0
0
31 Aug 16
9,767
3,496
0
0
31 May 16
9,415
3,355
0
0
29 Feb 16
9,063
3,213
0
0
30 Nov 15
8,736
3,029
0
0
31 Aug 15
8,408
2,844
0
0
Quality Earnings: CKHG.F has high quality earnings.
Growing Profit Margin: CKHG.F's current net profit margins (39.7%) are higher than last year (38.4%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: CKHG.F's earnings have grown by 19.3% per year over the past 5 years.
Accelerating Growth: CKHG.F's earnings growth over the past year (22.5%) exceeds its 5-year average (19.3% per year).
Earnings vs Industry: CKHG.F earnings growth over the past year (22.5%) did not outperform the Banks industry 24%.
Return on Equity
High ROE: CKHG.F's Return on Equity (28.3%) is considered high.
Return on Assets
Return on Capital Employed
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Company Analysis and Financial Data Status
Data
Last Updated (UTC time)
Company Analysis
2026/08/05 23:28
End of Day Share Price
2026/07/29 00:00
Earnings
2026/02/28
Annual Earnings
2026/02/28
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
* Example for US securities, for non-US equivalent regulatory forms and sources are used.
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.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Capitec Limited is covered by 16 analysts. 9 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.