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Capitec Bank Holdings Limited

Financial Services US CKHGF

NoneUSD
0.00(0%)

Last update at 2026-05-14T21:27:37.334145Z

Day Range

--
LowHigh

52 Week Range

166.77249.65
LowHigh

Fundamentals

  • Previous Close -
  • Market Cap11552.79M
  • VolumeNone
  • P/E Ratio12.24
  • Dividend Yield28.45%
  • Revenue TTM39325.33M
  • Revenue Per Share TTM340.94
  • Gross Profit TTM 39325.33M
  • Diluted EPS TTM8.15

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-02-28 2024-02-29 2023-02-28 2022-02-28 2021-02-28
Type yearly yearly yearly yearly yearly
Date 2025-02-28 2024-02-29 2023-02-28 2022-02-28 2021-02-28
Income before tax 17739.67M 13447.74M 12199.08M 10934.75M 5588.22M
Minority interest -6.87100M 0.00000M - - -
Net income 13742.25M 10566.94M 9707.27M 8527.02M 4458.08M
Selling general administrative 3526.46M 2747.55M - - -
Selling and marketing expenses 746.11M 322.82M - - -
Gross profit 35797.33M 9896.22M - - -
Reconciled depreciation 1449.90M 1367.41M 1150.94M 1224.09M 1241.94M
Ebit - 13376.62M - - -
Ebitda - 14744.03M - - -
Depreciation and amortization - 1367.41M - - -
Non operating income net other - - - - -
Operating income 20631.77M 15833.08M - - -
Other operating expenses 15165.56M 11462.14M 2388.13M 1837.93M 1865.56M
Interest expense 10042.71M 9341.81M 6992.69M 4837.90M 4984.42M
Tax provision 3990.55M 2880.81M 2491.81M 2407.72M 1130.13M
Interest income 30228.36M 25805.80M 20304.37M 17006.83M 16045.72M
Net interest income 20185.65M 16463.99M 13311.67M 12168.93M 11061.30M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 3990.55M 2880.81M 2491.81M 2407.72M 1130.13M
Total revenue 35797.33M 27295.22M 30307.42M 26961.33M 23004.64M
Total operating expenses 15165.56M 11462.14M - - -
Cost of revenue - 17399.00M - - -
Total other income expense net -2892.10200M -2385.33700M - - -
Discontinued operations - - - - -
Net income from continuing ops 13749.12M 10566.94M 9707.27M 8527.02M 4458.08M
Net income applicable to common shares - - 9702.79M 8523.11M 4451.72M
Preferred stock and other adjustments - - - - -
Breakdown 2025-02-28 2024-02-29 2023-02-28 2022-02-28 2021-02-28
Type yearly yearly yearly yearly yearly
Date 2025-02-28 2024-02-29 2023-02-28 2022-02-28 2021-02-28
Total assets 238463.67M 207578.63M 191800.62M 177942.78M 156506.99M
Intangible assets 538.01M 552.49M 586.14M 498.52M 631.82M
Earning assets - - - - -
Other current assets - 5453.13M 6203.30M 4644.16M 2527.66M
Total liab 187550.38M 164048.03M 152715.69M 142177.07M 126591.58M
Total stockholder equity 50882.36M 43530.59M 39084.93M 35765.71M 29915.40M
Deferred long term liab - - - - -
Other current liab - 103886.18M 10.12M 310.21M 165.07M
Common stock 1.16M 1.16M 1.16M 1.16M 1.16M
Capital stock 1.16M 1.16M 1.16M 1.16M 1.16M
Retained earnings 44890.96M 37423.83M 33060.31M 29559.31M 24225.35M
Other liab - - 445.09M 573.37M 325.59M
Good will 1090.70M 849.49M 849.49M 849.49M 849.49M
Other assets - 40616.93M 80599.50M 69318.51M 59333.39M
Cash 17305.85M 22635.41M 27795.01M 28118.48M 22803.72M
Cash and equivalents - - - - -
Total current liabilities - 109161.08M 147918.97M 137665.57M 122827.66M
Current deferred revenue - 3.02M - - -
Net debt -16153.82800M -17231.39400M - - -
Short term debt - 1720.82M - - -
Short long term debt - - - - -
Short long term debt total 1152.02M 5404.02M - - -
Other stockholder equity 5474.19M 5455.38M 569.59M 506.22M -14.60200M
Property plant equipment - - 5113.33M 4930.99M 4999.14M
Total current assets - 5453.13M 42943.97M 38938.52M 55241.76M
Long term investments 78090.56M 69507.61M 62030.79M 63421.34M 38437.63M
Net tangible assets - - 37600.38M 34366.54M 28378.46M
Short term investments - - - - -
Net receivables - 2221.30M 4727.26M 2203.66M 2073.93M
Long term debt - - - - -
Inventory - -7674.42900M - - -
Accounts payable 5683.64M 3299.09M 146375.17M 134608.29M 120262.05M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income 474.21M 606.97M - - -
Additional paid in capital - - - - -
Common stock total equity - - - - -
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other 231029.23M 152259.59M - - -
Deferred long term asset charges - - - - -
Non current assets total 238463.67M 161508.56M - - -
Capital lease obligations - - - - -
Long term debt total - - - - -
Breakdown 2025-02-28 2024-02-29 2023-02-28 2022-02-28 2021-02-28
Type yearly yearly yearly yearly yearly
Date 2025-02-28 2024-02-29 2023-02-28 2022-02-28 2021-02-28
Investments -6986.60600M -11570.24000M -375.78500M -24624.20800M -19595.37800M
Change to liabilities - - -821.95300M 1749.99M 295.30M
Total cashflows from investing activities -6986.60600M -11570.24000M -1522.22200M -25277.64600M -20477.20000M
Net borrowings -1250.00000M 750.00M 379.70M -570.11700M -2055.64200M
Total cash from financing activities 11729.35M 3942.03M 5244.11M 10004.05M 17241.62M
Change to operating activities - - -24729.95200M -16440.21600M -6200.08300M
Net income 13742.25M 10566.94M 9707.27M 8527.02M 4458.08M
Change in cash 9702.86M -1989.11700M -3225.14100M -15069.36800M 7100.68M
Begin period cash flow 34860.73M 31014.69M 34239.83M 49309.20M 42208.52M
End period cash flow 44563.59M 29025.57M 31014.69M 34239.83M 49309.20M
Total cash from operating activities 5008.88M 8388.02M -6999.22600M 201.46M 10318.98M
Issuance of capital stock -137.51400M -63.94500M -77.08800M 3.32M -88.27700M
Depreciation 1449.90M 1367.41M 1024.03M 1014.66M 1014.74M
Other cashflows from investing activities -5608.67700M -4365.16900M - 198.29M 198.29M
Dividends paid 6303.95M 5023.11M -6189.47500M -3238.05200M -6.13000M
Change to inventory - - - - -
Change to account receivables - - - - -
Sale purchase of stock -174.08000M -110.93400M -2.54000M -5.18300M -19.52800M
Other cashflows from financing activities 19898.60M 8326.07M 11254.11M 13814.08M 19411.20M
Change to netincome - - 7934.47M 5140.58M 10523.74M
Capital expenditures 1278.43M 1157.38M 934.42M 745.55M 543.32M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital -20633.20900M -211.27400M -14297.79700M -876.15200M 13506.42M
Stock based compensation 604.88M 275.96M 165.23M 570.08M 31.57M
Other non cash items 9845.06M -3611.00900M -14270.34400M -12787.85300M -11679.96300M
Free cash flow 3730.45M 19117.84M 3091.62M 13153.00M 28893.00M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x)
CKHGF
Capitec Bank Holdings Limited		 - -% - 12.24 - 0.29 8.66 10.55
HDB
HDFC Bank Limited ADR		 0.01 0.04% 23.55 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd		 -0.425 1.38% 30.39 7.78 7.65 0.56 0.90 3.62
DBSDF
DBS Group Holdings Ltd		 - -% 51.34 15.29 14.41 5.84 2.36 10.40
CIHHF
China Merchants Bank Co Ltd Class H		 - -% 5.92 6.10 5.67 0.44 0.77 3.43

Reports Covered

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Profile

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. The company also provides treasury products comprising foreign exchange spot trades and foreign exchange forward contracts; and trade finance products, including letters of credit, trade guarantees, bills of collection, exchange control, and society for worldwide interbank financial telecommunication, as well as app and online banking. In addition, it offers vehicle and asset finance, property finance, rental finance, credit line products, and card machines; and insurance products, such as general, fleet, agricultural, engineering, motor traders, hospitality, contractors all risk, life, and credit insurance, as well as funeral cover insurance. The company was incorporated in 1999 and is based in Stellenbosch, South Africa.

Capitec Bank Holdings Limited

5 Neutron Road, Stellenbosch, South Africa, 7600

Key Executives

Name Title Year Born
Mr. Gerhardus Metselaar Fourie B.Com., B.Comm (Hons), M.B.A., MBA CEO & Exec. Director 1964
Mr. André Pierre du Plessis B.Com., BComm (Hons), BComm(Hons), C.A., CA(SA) Financial Director, CFO & Exec. Director 1962
Mr. Nkosana Samuel Mashiya Chief Risk Officer & Exec. Director 1976
Mr. Willem de Bruyn B.Sc., BSc (Hons) Exec. of Bus. Devel. & Technology 1971
Monique Palmieri Head of Compliance NA
Mr. Francois Viviers B.Com., BComm (Hons) Exec. of Marketing & Communications 1983
Ms. Rizwana Butler Exec. of HR 1975
R. Swanepoel Acting Internal Audit Head NA
Jerome Passmore Head of Project Officer NA
Dumisani Ncukana Head of Service Support NA

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