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INDICATIVE · SAMPLE DATA
CPIJ.J59

Capitec Bank Holdings Ltd

BanksVerified

Capitec Bank Holdings Ltd has a fully diluted share count of 115,840,441 shares, with no difference between basic and diluted shares outstanding, indicating no dilution from stock options or convertible securities. The absence of balance-sheet inputs and lack of going-concern language in source documents prevent a full liquidity assessment, but the company's capital structure appears stable with no immediate dilution risk. Profitability metrics are not available in the current valuation snapshot, but the company operates in the banking industry, where key performance indicators typically include net interest margin, return on equity, and loan-to-deposit ratios. These metrics are essential for evaluating the efficiency and profitability of a bank's operations. Capitec Bank Holdings Ltd's revenue is primarily concentrated in South Africa, with no disclosed international operations. This geographic concentration may expose the company to local economic and regulatory risks, including currency fluctuations and policy changes. The company's growth trajectory is not quantified in the current data, but the absence of negative analyst ratings and the presence of strong-buy and buy recommendations suggest a generally positive outlook among market participants. Analysts have provided a mean price target of 4,798.44 ZAR and a median price target of 4,990.00 ZAR, indicating a potential upside from current market levels. The risk assessment for Capitec Bank Holdings Ltd indicates a low dilution risk, with no significant dilution sources identified in the available documents. However, the liquidity risk could not be assessed due to the lack of balance-sheet inputs and no going-concern language in the source documents. Recent events and filings for Capitec Bank Holdings Ltd are not detailed in the available data, but the company's strong analyst coverage and positive recommendation trends suggest ongoing investor interest and confidence in its business model.

30-day price · CPIJ.J+16265.00 (+3.9%)
Low$406511.00High$453883.00Close$428500.00As of17 May, 00:00 UTC
Profile
CompanyCapitec Bank Holdings Ltd
TickerCPIJ.J
SectorFinancials
BusinessBanking & Investment Services
Industry groupBanking & Investment Services
IndustryBanks
AI analysis

Business. Capitec Bank Holdings Ltd is a South African bank that provides a range of financial services, including retail banking, business banking, and insurance products, primarily to individual and small business customers.

Classification. Capitec Bank Holdings Ltd is classified under the Financials sector, specifically in the Banking & Investment Services business sector and the Banks industry, with a high confidence level of 0.92.

Capitec Bank Holdings Ltd has a fully diluted share count of 115,840,441 shares, with no difference between basic and diluted shares outstanding, indicating no dilution from stock options or convertible securities. The absence of balance-sheet inputs and lack of going-concern language in source documents prevent a full liquidity assessment, but the company's capital structure appears stable with no immediate dilution risk. Profitability metrics are not available in the current valuation snapshot, but the company operates in the banking industry, where key performance indicators typically include net interest margin, return on equity, and loan-to-deposit ratios. These metrics are essential for evaluating the efficiency and profitability of a bank's operations. Capitec Bank Holdings Ltd's revenue is primarily concentrated in South Africa, with no disclosed international operations. This geographic concentration may expose the company to local economic and regulatory risks, including currency fluctuations and policy changes. The company's growth trajectory is not quantified in the current data, but the absence of negative analyst ratings and the presence of strong-buy and buy recommendations suggest a generally positive outlook among market participants. Analysts have provided a mean price target of 4,798.44 ZAR and a median price target of 4,990.00 ZAR, indicating a potential upside from current market levels. The risk assessment for Capitec Bank Holdings Ltd indicates a low dilution risk, with no significant dilution sources identified in the available documents. However, the liquidity risk could not be assessed due to the lack of balance-sheet inputs and no going-concern language in the source documents. Recent events and filings for Capitec Bank Holdings Ltd are not detailed in the available data, but the company's strong analyst coverage and positive recommendation trends suggest ongoing investor interest and confidence in its business model.
Key takeaways
  • Capitec Bank Holdings Ltd has no difference between basic and diluted shares outstanding, indicating no dilution from stock options or convertible securities.
  • Analysts have provided a generally positive outlook, with a mean price target of 4,798.44 ZAR and a median price target of 4,990.00 ZAR.
  • The company's revenue is primarily concentrated in South Africa, which may expose it to local economic and regulatory risks.
  • The liquidity risk could not be assessed due to the lack of balance-sheet inputs and no going-concern language in the source documents.
  • The company has a low dilution risk, with no significant dilution sources identified in the available documents.
  • --
  • ## RATIONALES
  • ```json
Financial snapshot
PeriodHA-latest
CurrencyZAR
Revenue
Gross profit
Operating income
Net income
R&D
SG&A
D&A
SBC
Operating cash flow
CapEx
Free cash flow
Total assets
Total liabilities
Total equity
Cash & equivalents
Long-term debt
Annual history (last 5)
PeriodRevenueOp IncomeNet IncomeFCF
FY-4$12.62B$8.53B$5.65B
FY-3$14.21B$9.15B$2.95B
FY-2$16.46B$10.57B$5.75B
FY-1$20.19B$13.74B$7.52B
FY0$24.08B$16.83B$9.11B
PeriodGross %Op %Net %FCF %
FY-4
FY-3
FY-2
FY-1
FY0
PeriodAssetsEquityCashDebt
FY-4$177.94B$35.77B
FY-3$190.64B$37.92B
FY-2$207.58B$43.53B
FY-1$238.46B$50.88B
FY0$263.28B$59.48B
PeriodOCFCapExFCFSBC
FY-4$14.02B-$862.5M$5.65B
FY-3$4.25B-$1.16B$2.95B
FY-2$17.12B-$1.16B$5.75B
FY-1$24.90B-$1.37B$7.52B
FY0$18.93B-$1.14B$9.11B
Quarterly history (last 4)
PeriodRevenueOp IncomeNet IncomeFCF
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
PeriodGross %Op %Net %FCF %
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
PeriodAssetsEquityCashDebt
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
PeriodOCFCapExFCFSBC
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
Valuation
Market price
Market cap
Enterprise value
P/E
Reported non-GAAP P/E
EV/Revenue
EV/Op income
EV/OCF
P/B
P/Tangible book
Tangible book
Net cash
Current ratio
Debt/Equity
ROA
ROE
Cash conversion
CapEx/Revenue
SBC/Revenue
Asset intensity
Dilution ratio0.0%
Risk assessment
Dilution riskLow
Liquidity riskUnknown
  • Liquidity risk could not be assessed (no balance-sheet inputs and no going-concern language in source documents).
Industry benchmarks
Activity: Banks · cohort 670 companies
MetricCPIJ.JActivity
Op margin36.8% medp25 22.9% · p75 60.0%
Net margin33.6% medp25 19.4% · p75 51.1%
Gross margin55.0% medp25 42.9% · p75 88.7%
CapEx / revenue-4.6% medp25 -10.4% · p75 -2.1%
Debt / equity56.1% medp25 13.2% · p75 161.2%
Observations
IR observations
Mean price target4,798.44 ZAR
Median price target4,990.00 ZAR
High price target5,500.00 ZAR
Low price target3,300.00 ZAR
Mean recommendation2.10 (1=strong buy, 5=strong sell)
Strong-buy count3.00
Buy count5.00
Hold count0.00
Sell count2.00
Strong-sell count0.00
Mean EPS estimate171.82 ZAR
Last actual EPS145.60 ZAR
Competitor context
JPMJPMorgan ChaseUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
BACBank of AmericaUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
CCitigroupUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
Source data
Underlying data the analysis-pipeline pulls and audits. Fetch timestamps + content hashes show when each source was last refreshed.
Company fundamentalsperiod FQ-7 · history via verified-market-data
no public URL
2026-05-01 07:24 UTC#2994f4ad
Source: analysis-pipeline (hybrid)Generated: 2026-05-27 16:49 UTCJob: cbc96439