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Capitec Bank Holdings Limited (CPI.JO)
Stellenbosch, ZA
Capitec Bank Holdings Limited, along with its various subsidiary entities, delivers a comprehensive array of financial and banking solutions across South Africa. The organization's operations are structured into three distinct divisions: Retail Banking, Business Banking, and Insurance Services. Its offerings encompass standard transactional accounts; diverse savings products such as fixed-term, tax-exempt, call, and notice deposits; and an array of lending options including term loans, credit facilities, home loans, overdrafts, and installment sales and leases. Capitec also provides credit and debit cards, specialized access facilities, rental financing, payment processing, and merchant services, in addition to credit and life insurance policies. Furthermore, the institution extends treasury services, specifically dealing in spot and forward foreign exchange transactions, and supports clients with modern internet and mobile banking platforms. Established in 1999 and headquartered in Stellenbosch, South Africa, Capitec maintains a substantial physical presence through approximately 853 branches and a network of around 2,863 self-service machines, which include ATMs and various note and coin recyclers.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -1.15% | +0.11% | +3.12% | -5.98% | +14.85% | +7.32% | +29.41% | +225.28% | +167.58% | +653.69% | +3,273.11% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 2 | 0 |
| Buy | 5 | -1 |
| Hold | 0 | 0 |
| Sell | 2 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth+18.8% Q1'26: +165.0% (vs Q1'24)
-
EPS growth+22.4% Q1'26: +50.4% (vs Q1'24)
-
FCF margin— Q1'26: +57.4% (vs Q1'24)
-
EBIT margin— Q1'26: +29.9% (vs Q1'24)
-
ROIC— Q1'26: +84.3% (vs Q1'24)
-
Share dilution+0.1% Q1'26: +0.2% (vs Q1'24)
-
Debt / EBITDA— Q1'26: 0.07× (vs Q1'24)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Feb 2015 actual |
Feb 2016 actual |
Feb 2017 actual |
Feb 2018 actual |
Feb 2019 actual |
Feb 2020 actual |
Feb 2021 actual |
Feb 2022 actual |
Feb 2023 actual |
Feb 2024 actual |
Feb 2025 actual |
Feb 2026 6 Rev. Ana. 7 EPS Ana. |
Feb 2027 6 Rev. Ana. 6 EPS Ana. |
Feb 2028 6 Rev. Ana. 7 EPS Ana. |
Feb 2029 4 Rev. Ana. 4 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
11.61B
est: 11.38B (+2.0%)
|
13.46B
est: 13.43B (+0.3%)
|
15.80B
est: 15.04B (+5.1%)
|
17.80B
est: 17.20B (+3.5%)
|
19.02B
est: 18.77B (+1.3%)
|
21.13B
est: 19.60B (+7.8%)
|
15.05B
est: 22.12B (-32.0%)
|
23.37B
est: 26.75B (-12.7%)
|
23.42B
est: 29.66B (-21.1%)
|
27.30B
est: 35.35B (-22.8%)
|
64.14B
est: 42.16B (+52.2%)
|
50.32B
49.04B – 50.99B
+19.4% YoY
|
58.50B
55.80B – 60.43B
+16.2% YoY
|
66.79B
62.95B – 68.97B
+14.2% YoY
|
76.02B
75.28B – 76.77B
+13.8% YoY
|
| EBITDA |
4.69B
est: 4.71B (-0.5%)
|
5.62B
est: 5.56B (+0.9%)
|
6.47B
est: 6.23B (+3.8%)
|
6.71B
est: 7.13B (-5.8%)
|
7.71B
est: 7.78B (-0.9%)
|
9.17B
est: 8.12B (+12.9%)
|
6.96B
est: 9.17B (-24.1%)
|
12.12B
est: 11.09B (+9.3%)
|
12.89B
est: 12.29B (+4.9%)
|
14.74B
est: 14.65B (+0.6%)
|
18.96B
est: 18.67B (+1.6%)
|
22.29B
21.72B – 22.59B
+19.4% YoY
|
25.91B
24.72B – 26.77B
+16.2% YoY
|
29.59B
27.89B – 30.55B
+14.2% YoY
|
33.68B
33.35B – 34.00B
+13.8% YoY
|
| EBIT |
4.32B
est: 4.18B (+3.4%)
|
5.21B
est: 4.94B (+5.6%)
|
5.93B
est: 5.53B (+7.3%)
|
6.15B
est: 6.32B (-2.7%)
|
7.07B
est: 6.90B (+2.6%)
|
8.05B
est: 7.20B (+11.7%)
|
5.72B
est: 8.13B (-29.7%)
|
10.90B
est: 9.83B (+10.8%)
|
11.74B
est: 10.90B (+7.7%)
|
13.38B
est: 12.99B (+2.9%)
|
17.74B
est: 17.08B (+3.8%)
|
20.39B
19.87B – 20.66B
+19.4% YoY
|
23.70B
22.61B – 24.48B
+16.2% YoY
|
27.06B
25.51B – 27.94B
+14.2% YoY
|
30.80B
30.50B – 31.10B
+13.8% YoY
|
| Net Income |
2.56B
est: 2.45B (+4.8%)
|
3.23B
est: 3.12B (+3.5%)
|
3.81B
est: 3.76B (+1.3%)
|
4.47B
est: 4.50B (-0.7%)
|
5.30B
est: 5.40B (-1.9%)
|
6.25B
est: 6.30B (-0.8%)
|
4.46B
est: 3.98B (+11.9%)
|
8.53B
est: 8.44B (+1.1%)
|
9.15B
est: 9.61B (-4.8%)
|
10.57B
est: 10.56B (+0.1%)
|
13.74B
est: 13.74B (+0.0%)
|
16.83B
16.41B – 17.21B
+22.5% YoY
|
19.80B
19.31B – 20.15B
+17.7% YoY
|
23.58B
21.85B – 24.54B
+19.1% YoY
|
27.44B
26.96B – 28.51B
+16.4% YoY
|
| SGA |
—
est: 4.25B (-100.0%)
|
—
est: 5.02B (-100.0%)
|
—
est: 5.62B (-100.0%)
|
—
est: 6.43B (-100.0%)
|
5.88B
est: 7.01B (-16.2%)
|
6.78B
est: 7.32B (-7.4%)
|
7.34B
est: 8.27B (-11.2%)
|
10.41B
est: 10.00B (+4.1%)
|
9.34B
est: 11.08B (-15.7%)
|
3.07B
est: 13.21B (-76.8%)
|
9.67B
est: 10.59B (-8.7%)
|
12.64B
12.32B – 12.81B
+19.4% YoY
|
14.70B
14.02B – 15.18B
+16.2% YoY
|
16.78B
15.81B – 17.33B
+14.2% YoY
|
19.10B
18.91B – 19.28B
+13.8% YoY
|
| EPS |
22.09
est: 21.14 (+4.5%)
|
27.79
est: 26.98 (+3.0%)
|
32.78
est: 32.50 (+0.9%)
|
38.54
est: 38.92 (-1.0%)
|
45.80
est: 46.66 (-1.8%)
|
54.00
est: 54.48 (-0.9%)
|
38.50
est: 34.44 (+11.8%)
|
73.71
est: 72.95 (+1.0%)
|
79.33
est: 83.07 (-4.5%)
|
91.56
est: 89.04 (+2.8%)
|
119.11
est: 119.19 (-0.1%)
|
145.61
141.81 – 148.74
+22.2% YoY
|
171.29
166.88 – 174.16
+17.6% YoY
|
205.24
188.84 – 212.03
+19.8% YoY
|
239.62
232.97 – 246.34
+16.8% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-28 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-27 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-26 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-25 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-22 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-21 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-20 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-19 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-18 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-15 | B+ | 3/5 | 4/5 | 5/5 | 5/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-14 | B+ | 3/5 | 4/5 | 5/5 | 5/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-13 | B+ | 3/5 | 4/5 | 5/5 | 5/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-12 | B+ | 3/5 | 4/5 | 5/5 | 5/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-11 | B+ | 3/5 | 4/5 | 5/5 | 5/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-08 | B+ | 3/5 | 4/5 | 5/5 | 5/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-07 | B+ | 3/5 | 4/5 | 5/5 | 5/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-06 | B+ | 3/5 | 4/5 | 5/5 | 5/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-05 | B+ | 3/5 | 4/5 | 5/5 | 5/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-04 | B+ | 3/5 | 4/5 | 5/5 | 5/5 | 3/5 | 1/5 | 1/5 |
| 2026-04-30 | B+ | 3/5 | 4/5 | 5/5 | 5/5 | 3/5 | 1/5 | 1/5 |
| 2026-04-29 | B+ | 3/5 | 4/5 | 5/5 | 5/5 | 3/5 | 1/5 | 1/5 |
| 2026-04-28 | B+ | 3/5 | 4/5 | 5/5 | 5/5 | 3/5 | 1/5 | 1/5 |
| 2026-04-24 | B+ | 3/5 | 4/5 | 5/5 | 5/5 | 3/5 | 1/5 | 1/5 |
| 2026-04-23 | B+ | 3/5 | 5/5 | 5/5 | 5/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-22 | B+ | 3/5 | 5/5 | 5/5 | 5/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-21 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-20 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-17 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-16 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-15 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Grant Hardy | Chief Financial Officer, Financial Director & Executive Director | 16M | male |
| Graham Roy Lee CGMA | Chief Executive Officer & Executive Director | 11M | male |
| Azhar Said | Chief Data Officer | — | — |
| Blessing Mgaga | Head of Solutions Delivery & Academy - Technology Services | — | — |
| Dumisani Ncukana | Head of Service Support | — | — |
| Francois Viviers | Executive of Marketing & Communications | — | male |
| Mogajane | Head of Compliance | — | — |
| Rachel Murove | Head of Marketing | — | — |
| Ravindren Govender | Product Head | — | male |
| Andrew Baker | Chief Information Officer | — | male |
| Rizwana Butler | Executive of Human Resources | — | female |
| April Baloyi | Head of Mercantile Rental Finance | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for CPI.JO
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
