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Capitec Bank Holdings LimitedJSE:CPI Stock Report

Market Cap R471.1b
Share Price
R4.07k
n/a
1Y22.2%
7D2.0%
Portfolio Value
​
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Capitec Bank Holdings Limited

JSE:CPI Stock Report

Market Cap: R471.1b

Capitec Bank Holdings (CPI) Stock Overview

Through its subsidiaries, provides various banking products and services in South Africa. More details

CPI fundamental analysis
Snowflake Score
Valuation0/6
Future Growth3/6
Past Performance6/6
Financial Health4/6
Dividends3/6

Rewards

Earnings are forecast to grow 16.3% per year

Earnings grew by 24.6% over the past year

Risk Analysis

No risks detected for CPI from our risk checks.

CPI Community Fair Values

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See what 83 others think this stock is worth. Follow their fair value or set your own to get alerts.

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Capitec Bank Holdings

South African Digitisation Will Unify Diverse Banking Services

Key Takeaways Capitec's digital innovation and integration across services position it for superior revenue growth, margin expansion, and advanced data-driven product cross-selling to younger clients. Expansion into business, merchant, and emerging international markets creates new profit streams and sustained earnings growth, outpacing conservative market expectations.
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R4.44k
FV
8.4% undervalued intrinsic discount
31.02%
Revenue growth p.a.
1users have liked this narrative
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3users have followed this narrative
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Capitec Bank Holdings

Digital Disruption And Regulatory Pressures Will Undermine Future Prospects

Key Takeaways Digital disruption and intense competition from fintechs and established players threaten Capitec's traditional revenue streams and force costly technology investments. Economic headwinds and regulatory pressures heighten credit risk, compress margins, and limit innovation, undermining profitability and earnings quality.
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R2.9k
FV
40.1% overvalued intrinsic discount
20.70%
Revenue growth p.a.
0users have liked this narrative
0users have commented on this narrative
1users have followed this narrative
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Capitec Bank Holdings

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

Key Takeaways Capitec's strategic pivot into business banking, insurance, and VAS seeks to enhance multi-stream revenue, improving future earnings beyond traditional retail banking. Emphasis on SME and informal markets, combined with technological innovation and simplified pricing, aims to increase net margins and transaction volumes significantly.
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R4.37k
FV
6.9% undervalued intrinsic discount
24.89%
Revenue growth p.a.
2users have liked this narrative
0users have commented on this narrative
48users have followed this narrative
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Capitec Bank Holdings Limited Competitors

Price History & Performance

Summary of share price highs, lows and changes for Capitec Bank Holdings
Historical stock prices
Current Share PriceR4,067.29
52 Week HighR4,103.08
52 Week LowR2,469.86
Beta0.86
1 Month Change2.94%
3 Month Change14.18%
1 Year Change22.18%
3 Year Change116.19%
5 Year Change189.55%
Change since IPO225,860.56%

Recent News & Updates

Recent updates

User avatar

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.

Shareholder Returns

CPIZA BanksZA Market
7D2.0%4.1%1.9%
1Y22.2%15.5%23.5%

Return vs Industry: CPI exceeded the ZA Banks industry which returned 14.6% over the past year.

Return vs Market: CPI underperformed the ZA Market which returned 23.6% over the past year.

Price Volatility

Is CPI's price volatile compared to industry and market?
CPI volatility
CPI Average Weekly Movement3.0%
Banks Industry Average Movement4.1%
Market Average Movement4.7%
10% most volatile stocks in ZA Market10.7%
10% least volatile stocks in ZA Market2.7%

Stable Share Price: CPI has not had significant price volatility in the past 3 months compared to the ZA market.

Volatility Over Time: CPI's weekly volatility (3%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
199917,188Graham Leewww.capitecbank.co.za

Capitec Bank Holdings Limited, through its subsidiaries, provides various banking products and services in South Africa. The company operates through three segments: Personal banking, Business banking, and Insurance. It offers transactional banking services; flexible, notice, fixed, and tax-free savings; call and notice deposits; term, home, personal, vehicle, education, home improvement, business, term, medical, instalment, short-term, and mortgage loans; overdrafts, instalment sales and leases, credit and debit cards, and access facilities; and payment, merchant, forex, franchising, and value-added services.

Capitec Bank Holdings Limited Fundamentals Summary

How do Capitec Bank Holdings's earnings and revenue compare to its market cap?
CPI fundamental statistics
Market capR471.08b
Earnings (TTM)R15.31b
Revenue (TTM)R39.33b
30.8x
P/E Ratio
8.8x
P/B Ratio

Is CPI overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CPI income statement (TTM)
RevenueR39.33b
Cost of RevenueR0
Gross ProfitR39.33b
Other ExpensesR24.02b
EarningsR15.31b

Last Reported Earnings

Aug 31, 2025

Next Earnings Date

n/a

Earnings per share (EPS)132.16
Gross Margin100.00%
Net Profit Margin38.93%
Debt/Equity Ratio4.3%

How did CPI perform over the long term?

See historical performance and comparison

Dividends

1.7%
Current Dividend Yield
53%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/12/15 23:35
End of Day Share Price 2025/12/15 00:00
Earnings2025/08/31
Annual Earnings2025/02/28

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

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 Bank Holdings Limited is covered by 20 analysts. 8 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

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