Capitec Bank Holdings Ltd

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.

Revenue grew 19.3% year-over-year to ZAR 24.1 billion in FY2026, demonstrating strong top-line expansion.

Net income surged 22.5% year-over-year to ZAR 16.8 billion in FY2026, indicating robust profitability growth.

Free cash flow increased 21.2% year-over-year to ZAR 9.1 billion in FY2026, highlighting strong cash generation.

Total assets expanded 10.4% year-over-year to ZAR 263.3 billion in FY2026, reflecting consistent balance sheet growth.

Equity grew 16.9% year-over-year to ZAR 59.5 billion in FY2026, supporting capital strength and expansion capacity.

Long-term debt decreased to ZAR 5.3 billion in FY2025 before dropping further to ZAR 3.6 billion in FY2026.

Revenue ZAR 24.08B, +19,3% YoY; Net income +22,5% YoY.

• ▍Revenue ZAR 24.08B, +19,3% YoY
• ▍Net income +22,5% YoY
• ▍Free cash flow +21,2% YoY
• ▍Net margin 69.9%

Revenue ZAR 20.19B, +22,6% YoY; Net income +30,1% YoY.

• ▍Revenue ZAR 20.19B, +22,6% YoY
• ▍Net income +30,1% YoY
• ▍Free cash flow +30,8% YoY
• ▍Net margin 68.1%

Revenue ZAR 16.46B, +15,9% YoY; Net income +15,5% YoY.

• ▍Revenue ZAR 16.46B, +15,9% YoY
• ▍Net income +15,5% YoY
• ▍Free cash flow +95,2% YoY
• ▍Net margin 64.2%

Revenue ZAR 14.21B, +12,6% YoY; Net income +7,3% YoY.

• ▍Revenue ZAR 14.21B, +12,6% YoY
• ▍Net income +7,3% YoY
• ▍Free cash flow −47,8% YoY
• ▍Net margin 64.4%

Revenue ZAR 12.62B; Net margin 67.6%.

• ▍Revenue ZAR 12.62B
• ▍Net margin 67.6%