Capitec Bank Holdings Limited

JSE:CPI Stock Report

Market Cap: R497.3b

Capitec Bank Holdings Management

Management criteria checks 1/4

Capitec Bank Holdings' CEO is Graham Lee, appointed in Jul 2025, has a tenure of less than a year. directly owns 0.007% of the company’s shares, worth ZAR36.20M. The average tenure of the management team and the board of directors is 1.3 years and 5.6 years respectively.

Key information

Graham Lee

Chief executive officer

n/a

Total compensation

CEO salary percentagen/a
CEO tenureless than a year
CEO ownership0.007%
Management average tenure1.3yrs
Board average tenure5.6yrs

Recent management 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.

CEO

Graham Lee (50 yo)

less than a year
Tenure

Mr. Graham Roy Lee, B.Bus.Sci., CGMA, M.B.A., is CEO & Executive Director of Capitec Bank Limited from July 19, 2025. He is CEO & Executive Director of Capitec Bank Holdings Limited from July 19, 2025. Mr....

Leadership Team

NamePositionTenureCompensationOwnership
Grant Hardy
CFO, Financial Director & Executive Director3.8yrsR20.70m0.0010%
ZAR 5.2m
Graham Lee
CEO & Executive Directorless than a yearno data0.0073%
ZAR 36.2m
Andrew Baker
Chief Information Officerless than a yearno datano data
Francois Viviers
Executive of Marketing & Communications9.8yrsno data0.021%
ZAR 105.9m
Rachel Murove
Head of Marketingno datano datano data
Rizwana Butler
Executive of Human Resourcesno datano data0.0063%
ZAR 31.2m
Dumisani Ncukana
Head of Service Supportno datano datano data
Blessing Mgaga
Head of Solutions Delivery & Academy - Technology Servicesno datano datano data
April Baloyi
Head of Mercantile Rental Financeno datano datano data
Azhar Said
Chief Data Officer1.3yrsno datano data
Ravindren Govender
Product Headno datano datano data
Ryan Blake
Head of Cloud Engineeringno datano datano data
1.3yrs
Average Tenure
42yo
Average Age

Experienced Management: CPI's management team is not considered experienced ( 1.3 years average tenure), which suggests a new team.

Board Members

NamePositionTenureCompensationOwnership
Grant Hardy
CFO, Financial Director & Executive Director3.8yrsR20.70m0.0010%
ZAR 5.2m
Graham Lee
CEO & Executive Directorless than a yearno data0.0073%
ZAR 36.2m
Chris Otto
Non-Independent Non-Executive Director26yrsR1.05m0%
ZAR 0
Michiel du Pre le Roux
Non-Independent Non-Executive Director25.1yrsR650.00k11.37%
ZAR 56.5b
Susan Botha
Independent Non-Executive Chairman6.8yrsR5.59m0.0010%
ZAR 5.1m
Vusumuzi Mahlangu
Lead Independent Director5.6yrsR1.72mno data
Petrus Mouton
Non-Independent Non Executive Director18.5yrsR1.22m6.13%
ZAR 30.5b
Cora Fernandez
Independent Non-Executive Director5.6yrsR1.35mno data
Stanislaus du Plessis
Independent Non-Executive Director5.6yrsR2.03m0.00060%
ZAR 3.0m
Naidene Ford-Hoon
Independent Non-Executive Director2.6yrsR1.75mno data
Raghuvir Malhotra
Independent Non-Executive Director1.1yrsno datano data
Nadya Bhettay
Independent Non-Executive Director2.6yrsR1.26mno data
5.6yrs
Average Tenure
53.5yo
Average Age

Experienced Board: CPI's board of directors are considered experienced (5.6 years average tenure).

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/04/10 03:34
End of Day Share Price 2026/04/09 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