Capitec Bank Holdings Limited

JSE:CPIP Stock Report

Market Cap: R379.2b

Capitec Bank Holdings Past Earnings Performance

Past criteria checks 6/6

Capitec Bank Holdings has been growing earnings at an average annual rate of 18%, while the Banks industry saw earnings growing at 19.5% annually. Revenues have been growing at an average rate of 14.9% per year. Capitec Bank Holdings's return on equity is 26.8%, and it has net margins of 38.7%.

Key information

18.0%

Earnings growth rate

18.1%

EPS growth rate

Banks Industry Growth7.1%
Revenue growth rate14.9%
Return on equity26.8%
Net Margin38.7%
Last Earnings Update31 Aug 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Capitec Bank Holdings makes and spends money. Based on latest reported earnings, on an LTM basis.


Earnings and Revenue History

JSE:CPIP Revenue, expenses and earnings (ZAR Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
31 Aug 2431,73912,28811,4620
31 May 2429,51711,42511,4620
29 Feb 2427,29510,56111,4620
30 Nov 2325,94310,03910,6210
31 Aug 2324,5909,5179,7810
31 May 2324,0039,3329,7810
28 Feb 2323,4159,1479,7810
30 Nov 2223,6659,03910,0940
31 Aug 2223,9158,93010,4070
31 May 2223,6418,72710,4070
28 Feb 2223,3668,52310,4070
30 Nov 2122,1428,1358,8760
31 Aug 2120,9177,7477,3450
31 May 2117,9826,0997,3450
28 Feb 2115,0474,4527,3450
30 Nov 2014,3484,1847,0620
31 Aug 2013,6503,9166,7790
31 May 2015,1305,0806,7790
29 Feb 2016,6116,2436,7790
30 Nov 1916,1336,0116,3280
31 Aug 1915,6555,7795,8780
31 May 1915,1075,5325,8780
28 Feb 1914,5595,2855,8780
30 Nov 1813,9195,0755,4930
31 Aug 1813,2784,8655,1080
31 May 1812,8964,6615,1080
28 Feb 1812,5134,4585,1080
30 Nov 1712,0504,2722,5540
31 Aug 1711,5864,08600
31 May 1711,1333,93800
28 Feb 1710,6793,79000
30 Nov 1610,2233,64300
31 Aug 169,7673,49600
31 May 169,4153,35500
29 Feb 169,0633,21300
30 Nov 158,7363,02900
31 Aug 158,4082,84400
31 May 157,9992,69600
28 Feb 157,5902,54700
30 Nov 147,1132,38200
31 Aug 146,6362,21800
31 May 146,3542,11700
28 Feb 146,0732,01700
30 Nov 135,9141,93600

Quality Earnings: CPIP has high quality earnings.

Growing Profit Margin: CPIP's current net profit margins (38.7%) are higher than last year (38.7%).


Free Cash Flow vs Earnings Analysis


Past Earnings Growth Analysis

Earnings Trend: CPIP's earnings have grown by 18% per year over the past 5 years.

Accelerating Growth: CPIP's earnings growth over the past year (29.1%) exceeds its 5-year average (18% per year).

Earnings vs Industry: CPIP earnings growth over the past year (29.1%) exceeded the Banks industry 22.9%.


Return on Equity

High ROE: CPIP's Return on Equity (26.8%) is considered high.


Return on Assets


Return on Capital Employed


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