Capitec Bank Holdings Limited, through its subsidiaries, provides various banking products and services in South Africa.
Capitec Bank Holdings Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||R1,680.81|
|52 Week High||R1,074.03|
|52 Week Low||R1,936.95|
|1 Month Change||-10.17%|
|3 Month Change||9.68%|
|1 Year Change||55.42%|
|3 Year Change||69.77%|
|5 Year Change||149.75%|
|Change since IPO||93,278.33%|
Recent News & Updates
|CPI||ZA Banks||ZA Market|
Return vs Industry: CPI exceeded the ZA Banks industry which returned 49.6% over the past year.
Return vs Market: CPI exceeded the ZA Market which returned 21.3% over the past year.
Stable Share Price: CPI is less volatile than 75% of ZA stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: CPI's weekly volatility (3%) has been stable over the past year.
About the Company
Capitec Bank Holdings Limited, through its subsidiaries, provides various banking products and services in South Africa. It operates through two segments, Retail Banking and Business Banking. The company offers transactional banking services; term loans, credit facilities, mortgage loans, overdrafts, instalment sales and leases, credit cards, and access facilities; rental finance; collection and payment services; and merchant services, as well as funeral and life insurance products.
Capitec Bank Holdings Fundamentals Summary
|CPI fundamental statistics|
Is CPI overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|CPI income statement (TTM)|
|Cost of Revenue||R0|
Last Reported Earnings
Aug 31, 2021
Next Earnings Date
|Earnings per share (EPS)||67.00|
|Net Profit Margin||37.04%|
How did CPI perform over the long term?See historical performance and comparison
1.4%Current Dividend Yield
Does CPI pay a reliable dividends?See CPI dividend history and benchmarks
|Capitec Bank Holdings dividend dates|
|Ex Dividend Date||Oct 20 2021|
|Dividend Pay Date||Oct 25 2021|
|Days until Ex dividend||2 days|
|Days until Dividend pay date||7 days|
Does CPI pay a reliable dividends?See CPI dividend history and benchmarks
Is Capitec Bank Holdings 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: CPI (ZAR1680.81) is trading above our estimate of fair value (ZAR693.75)
Significantly Below Fair Value: CPI is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: CPI is poor value based on its PE Ratio (25.1x) compared to the ZA Banks industry average (10.6x).
PE vs Market: CPI is poor value based on its PE Ratio (25.1x) compared to the ZA market (11.2x).
Price to Earnings Growth Ratio
PEG Ratio: CPI is poor value based on its PEG Ratio (1.4x)
Price to Book Ratio
PB vs Industry: CPI is overvalued based on its PB Ratio (6.1x) compared to the ZA Banks industry average (0.9x).
How is Capitec Bank Holdings forecast to perform in the next 1 to 3 years based on estimates from 8 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: CPI's forecast earnings growth (18.4% per year) is above the savings rate (8.8%).
Earnings vs Market: CPI's earnings (18.4% per year) are forecast to grow faster than the ZA market (12.2% per year).
High Growth Earnings: CPI's earnings are forecast to grow, but not significantly.
Revenue vs Market: CPI's revenue (16.7% per year) is forecast to grow faster than the ZA market (6.1% per year).
High Growth Revenue: CPI's revenue (16.7% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: CPI's Return on Equity is forecast to be high in 3 years time (26.4%)
How has Capitec Bank Holdings performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CPI has high quality earnings.
Growing Profit Margin: CPI's current net profit margins (37%) are higher than last year (28.7%).
Past Earnings Growth Analysis
Earnings Trend: CPI's earnings have grown by 9.4% per year over the past 5 years.
Accelerating Growth: CPI's earnings growth over the past year (97.8%) exceeds its 5-year average (9.4% per year).
Earnings vs Industry: CPI earnings growth over the past year (97.8%) exceeded the Banks industry 24.9%.
Return on Equity
High ROE: CPI's Return on Equity (24.3%) is considered high.
How is Capitec Bank Holdings'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: CPI's Assets to Equity ratio (5.2x) is low.
Allowance for Bad Loans: CPI has a sufficient allowance for bad loans (663%).
Low Risk Liabilities: 95% of CPI's liabilities are made up of primarily low risk sources of funding.
Loan Level: CPI has an appropriate level of Loans to Assets ratio (36%).
Low Risk Deposits: CPI's Loans to Deposits ratio (47%) is appropriate.
Level of Bad Loans: CPI has a high level of bad loans (3.5%).
What is Capitec Bank Holdings's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Upcoming Dividend Payment
Dividend Yield vs Market
Notable Dividend: CPI's dividend (1.43%) isn’t notable compared to the bottom 25% of dividend payers in the ZA market (3.07%).
High Dividend: CPI's dividend (1.43%) is low compared to the top 25% of dividend payers in the ZA market (8.09%).
Stability and Growth of Payments
Stable Dividend: CPI is not paying a notable dividend for the ZA market, therefore no need to check if payments are stable.
Growing Dividend: CPI is not paying a notable dividend for the ZA market, therefore no need to check if payments are increasing.
Current Payout to Shareholders
Dividend Coverage: CPI is not paying a notable dividend for the ZA market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of CPI's dividend in 3 years as they are not forecast to pay a notable one for the ZA market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Gerrie Fourie (57 yo)
Mr. Gerhardus Metselaar Fourie, also known as Gerrie, B Comm (Hons), MBA has been Chief Executive Officer of Capitec Bank Limited and Capitec Bank Holdings Limited since January 1, 2014. Mr. Fourie served...
CEO Compensation Analysis
Compensation vs Market: Gerrie's total compensation ($USD3.37M) is above average for companies of similar size in the ZA market ($USD2.58M).
Compensation vs Earnings: Gerrie's compensation has been consistent with company performance over the past year.
Experienced Management: CPI's management team is seasoned and experienced (6.8 years average tenure).
Experienced Board: CPI's board of directors are considered experienced (6 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: CPI insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Capitec Bank Holdings Limited's employee growth, exchange listings and data sources
- Name: Capitec Bank Holdings Limited
- Ticker: CPI
- Exchange: JSE
- Founded: 1999
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: R194.347b
- Shares outstanding: 115.63m
- Website: https://www.capitecbank.co.za
Number of Employees
- Capitec Bank Holdings Limited
- 5 Neutron Road
- Techno Park
- Western Cape
- South Africa
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/10/17 17:03|
|End of Day Share Price||2021/10/15 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.