Capitec Bank Holdings (CPI.JO) Stock Price

Capitec Bank Holdings Price

JSE·CLOSED
447,709.00
+443,175.41 (+195.99 %)
Market closed

Over the last 19 years Capitec Bank Holdings grew revenue by 24.5% annually, reaching 76.17 B ZAR. Earnings per share have grown at 25.1% per year over the last 19 years. For Capitec Bank Holdings, the net margin of 22.1% is down versus 36.5% a few years ago. At today's price the dividend yield works out to roughly 0.02%. The payout ratio is around 58% of earnings. The dividend has grown at 26.6% per year over the past 19 years. The consensus 12-month price target for Capitec Bank Holdings is 4,914.36 ZAR, about 98.9% below where the stock trades today. Of 13 analysts, 11 rate the stock a buy — an overall Buy consensus. The stock trades about 12,964% above its 52-week low.

Capitec Bank Holdings stock price

Volume
Ex-Dividend
Details

Stock Price

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How to Read This Chart

This chart tracks the historical stock price of Capitec Bank Holdings over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Capitec Bank Holdings stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Capitec Bank Holdings's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

Capitec Bank Holdings Stock Price History
DateCapitec Bank Holdings Price
9/23/2026447,709.00 ZAR
9/22/20264,533.59 ZAR
9/21/20264,490.82 ZAR
9/18/20264,463.73 ZAR
9/17/20264,488.02 ZAR
9/16/20264,471.17 ZAR
9/15/20264,463.04 ZAR
9/14/20264,460.05 ZAR
9/11/20264,508.26 ZAR
9/10/20264,480.00 ZAR
9/9/20264,606.40 ZAR
9/8/20264,708.00 ZAR
9/7/20264,668.12 ZAR
9/4/20264,666.51 ZAR
9/3/20264,638.27 ZAR
9/2/20264,600.02 ZAR
9/1/20264,631.65 ZAR
8/31/20264,642.85 ZAR
8/28/20264,675.44 ZAR
8/27/20264,621.06 ZAR
8/26/20264,691.67 ZAR
8/25/20264,650.03 ZAR
8/24/20264,704.01 ZAR
8/21/20264,702.58 ZAR
8/20/20264,672.39 ZAR
8/19/20264,720.96 ZAR
8/18/20264,742.32 ZAR
8/17/20264,822.39 ZAR
8/14/20264,843.49 ZAR
8/13/20264,825.52 ZAR
Access this data via the Eulerpool API

Capitec Bank Holdings Revenue, Net Income

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Revenue
Net Income
Details
Date
Revenue
Net Income
Jan 1, 2022
23.37 B ZAR
8.53 B ZAR
Jan 1, 2023
23.42 B ZAR
9.15 B ZAR
Jan 1, 2024
27.30 B ZAR
10.57 B ZAR
Jan 1, 2025
64.14 B ZAR
13.74 B ZAR
Jan 1, 2026
76.17 B ZAR
16.83 B ZAR
Jan 1, 2027 (e)
60.33 B ZAR
200.10 M ZAR
Jan 1, 2028 (e)
68.63 B ZAR
238.79 M ZAR
Jan 1, 2029 (e)
78.72 B ZAR
28.04 B ZAR

Capitec Bank Holdings Income Statement, Balance Sheet, Cash Flow Statement

Last updated Sep 24, 2026, 10:09 PM
 
REVENUEB ZAR
REVENUE GROWTH%
GROSS MARGIN%
GROSS INCOMEB ZAR
NET INCOMEB ZAR
NET INCOME GROWTH%
DIV.ZAR
DIV. GROWTH%
SHARESM
20142015201620172018201920202021202220232024202520262027e2028e2029e
10.0511.6113.4615.8017.8019.0221.1315.0523.3723.4227.3064.1476.1760.3368.6378.72
22.9615.5016.0117.3612.646.8611.11-28.7955.290.2116.57134.9818.76-20.8013.7614.70
100.00100.00100.00100.00100.00100.00100.00100.00100.00100.0036.2671.4774.7974.7974.7974.79
10.0511.6113.4615.8017.8019.0221.1315.0523.3723.429.9045.8456.9745.1251.3258.87
2.042.563.233.814.475.306.254.468.539.1510.5713.7416.830.200.2428.04
27.0025.8225.9517.9117.4518.4618.05-28.6891.277.3215.4630.0622.49-98.8119.0011,680.67
7.069.6511.3013.2515.7518.7518.7528.0038.4043.3055.5070.4570.45107.20128.64154.37
16.1236.6917.1017.2618.8719.05–49.3337.1412.7628.1826.94–52.1620.0020.00
115.57115.68115.89116.02115.84115.77115.75115.84115.30115.65115.54115.64115.84115.84115.84115.84
Details

Income Statement Key Figures

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Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales Capitec Bank Holdings generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Capitec Bank Holdings retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Capitec Bank Holdings's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares Capitec Bank Holdings has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Capitec Bank Holdings's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

Capitec Bank Holdings stock margins

The Capitec Bank Holdings margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Capitec Bank Holdings. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Capitec Bank Holdings.
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Profit margin
Details
Date
Profit margin
Jan 1, 2022
36.49 %
Jan 1, 2023
39.08 %
Jan 1, 2024
38.71 %
Jan 1, 2025
21.43 %
Jan 1, 2026
22.10 %
Jan 1, 2027 (e)
0.33 %
Jan 1, 2028 (e)
0.35 %
Jan 1, 2029 (e)
35.62 %

Capitec Bank Holdings Revenue per Share, Earnings per Share

The Capitec Bank Holdings earnings per share therefore indicates how much revenue Capitec Bank Holdings has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.
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Revenue per Share
Earnings per Share
Details
Date
Revenue per Share
Earnings per Share
Jan 1, 2022
202.66 ZAR
73.96 ZAR
Jan 1, 2023
202.46 ZAR
79.13 ZAR
Jan 1, 2024
236.25 ZAR
91.46 ZAR
Jan 1, 2025
554.67 ZAR
118.84 ZAR
Jan 1, 2026
657.57 ZAR
145.32 ZAR
Jan 1, 2027 (e)
521.63 ZAR
1.73 ZAR
Jan 1, 2028 (e)
593.38 ZAR
2.06 ZAR
Jan 1, 2029 (e)
680.63 ZAR
242.43 ZAR

Capitec Bank Holdings business model & stock analysis

Capitec Bank Holdings Ltd is a leading South African bank that was founded in 2001. It has become a strong competitor in the South African banking market in recent years and is now the fifth-largest financial institution in the country in terms of market share. The business model of Capitec Bank is focused on simplicity and innovation to make financial services accessible and affordable for a broad population. The bank focuses on providing uncomplicated, transparent, and cost-effective financial products and services to offer its customers the best possible experiences. The bank offers a variety of products and services, including current accounts, savings and investment accounts, loans, insurance, debit cards, and online banking services. It has also developed a credit card with an attractive interest rate and generous rewards structure tailored to the needs of its customers. In recent years, Capitec Bank has also focused on the microfinance market and offers loans to small and medium-sized businesses as well as individual customers. It allows its customers to apply for loans quickly and easily and ensures that these loans are offered at affordable interest rates. The bank operates a nationwide network of over 820 branches and also has a strong presence in the online banking sector. It has also developed a mobile app and an online platform that allows customers to access their accounts, credit cards, and other financial services. Capitec Bank is also committed to increasing the financial literacy of its customers and offers training and consultations on various financial topics. The bank aims to improve access to the financial system in South Africa and advocate for a more inclusive economy. Over the years, the bank has received numerous awards and recognitions, including being named "Best Bank in South Africa" by Euromoney and "Best Bank in South Africa" by Global Finance. Capitec Bank has also achieved the highest customer satisfaction in the South African banking market. In summary, Capitec Bank is a leading South African financial services provider that focuses on simplicity, transparency, and innovation. The bank has developed a wide range of products and services to meet the needs of its customers and improve access to the financial system in South Africa. Capitec Bank aims to make finance accessible and affordable for all and wants to support its customers in successfully shaping their financial futures.

Capitec Bank Holdings SWOT Analysis

Strengths

Capitec Bank Holdings Ltd possesses a strong market position in the South African banking industry. It has established itself as one of the leading retail banks in the country, gaining substantial market share and customer loyalty.

The bank has invested significantly in cutting-edge technology, enabling it to offer innovative and user-friendly services to its customers. Capitec has developed a robust online and mobile banking platform, enhancing convenience and efficiency for its clients.

Capitec operates with a low-cost model, allowing it to offer affordable banking services to a wide range of customers. This strategy has helped the bank to attract and retain a large customer base, particularly among the middle and lower income segments.

Weaknesses

One of the weaknesses of Capitec Bank Holdings Ltd is its relatively limited product range compared to some of its competitors. Although the bank offers a comprehensive set of basic banking services, it may miss out on potential revenue by not providing more specialized financial products.

Capitec's operations are highly concentrated in the South African market, which exposes the bank to risks associated with the country's economic conditions. Any economic downturn or regulatory changes in South Africa could have a significant impact on the bank's performance and profitability.

Capitec has limited international presence, operating primarily within South Africa. This lack of diversification poses a potential vulnerability to the bank, as it may be heavily reliant on the economic performance of a single market.

Opportunities

Capitec Bank Holdings Ltd could seize opportunities to broaden its product portfolio by introducing additional financial services tailored to the needs of its target market. This could include insurance products, investment solutions, or specialized lending options, allowing the bank to increase revenue streams.

The ongoing digital transformation presents an opportunity for Capitec to further enhance its technological capabilities and expand its digital services. By investing in advanced digital tools and platforms, the bank can offer more personalized and seamless banking experiences, attracting tech-savvy customers.

Capitec could consider expanding its operations beyond South Africa, targeting markets with similar characteristics and growth potential. This could mitigate risks related to the dependence on a single market and open up new revenue streams by tapping into untapped customer segments.

Threats

Capitec Bank Holdings Ltd operates in a highly competitive banking sector, facing intense competition from both established banks and emerging fintech companies. Maintaining its market share and competitive edge requires continuous innovation and differentiation to respond to changing customer preferences and competitor strategies.

The uncertain economic conditions, both globally and within South Africa, pose a threat to Capitec's business. Fluctuations in interest rates, exchange rates, and economic indicators can impact customer confidence, loan repayments, and the overall financial health of the bank.

Compliance with regulations and changes in regulatory frameworks can present challenges for Capitec Bank Holdings Ltd. The bank needs to allocate resources to ensure that it adheres to all relevant regulations, including data privacy, anti-money laundering, and capital adequacy requirements.

Capitec Bank Holdings Eulerpool Fair Value

Details

Fair Value Estimate

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What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

Capitec Bank Holdings historical P/E ratio, EBIT multiple, and P/S ratio

Capitec Bank Holdings annual returns

Details

Annual Return

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What This Chart Shows

This chart breaks down Capitec Bank Holdings's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in Capitec Bank Holdings's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare Capitec Bank Holdings's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

Capitec Bank Holdings shares outstanding

The number of shares of Capitec Bank Holdings was 115.64 M in 2025. This indicates how many shares Capitec Bank Holdings is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.
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Number of stocks
Details
Date
Number of stocks
Jan 1, 2022
115.30 M Stocks
Jan 1, 2023
115.65 M Stocks
Jan 1, 2024
115.54 M Stocks
Jan 1, 2025
115.64 M Stocks
Jan 1, 2026
115.84 M Stocks
Jan 1, 2027 (e)
115.84 M Stocks
Jan 1, 2028 (e)
115.84 M Stocks
Jan 1, 2029 (e)
115.84 M Stocks

Capitec Bank Holdings stock splits

Since 2004, a total of 1 shares have been converted from one Capitec Bank Holdings share.

DateRatioType
7/19/20041 : 1

Capitec Bank Holdings Dividend History

25 years of dividend payments · 5 consecutive increases

YearAnnual DividendYoY ChangePayments
202653.60ZARYTD—1×
May 13, 202653.60ZAR↑ 104.6%1/1
202570.45ZAR↑ 26.9%2×
May 14, 202544.25ZAR↑ 3,587.5%1/2
Oct 22, 202526.20ZAR↓ 40.8%2/2
202455.50ZAR↑ 28.2%3×
202343.30ZAR↑ 12.8%2×
202238.40ZAR↑ 37.1%2×
202128.00ZAR↑ 49.3%2×
202018.75ZAR 0.0%—
201918.75ZAR↑ 19.0%2×
201815.75ZAR↑ 18.9%2×
201713.25ZAR↑ 17.3%2×

Capitec Bank Holdings dividend history and estimates

In 2025, Capitec Bank Holdings paid a dividend amounting to 70.45 ZAR. Dividend means that Capitec Bank Holdings distributes a portion of its profits to its owners.
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Dividend
Dividend (Estimate)
Details
Date
Dividend
Dividend (Estimate)
Jan 1, 2022
38.40 ZAR
0.00 ZAR
Jan 1, 2023
43.30 ZAR
0.00 ZAR
Jan 1, 2024
55.50 ZAR
0.00 ZAR
Jan 1, 2025
70.45 ZAR
0.00 ZAR
Jan 1, 2026
70.45 ZAR
0.00 ZAR
Jan 1, 2027 (e)
53.60 ZAR
53.60 ZAR
Jan 1, 2028 (e)
0.00 ZAR
128.64 ZAR
Jan 1, 2029 (e)
0.00 ZAR
154.37 ZAR

Capitec Bank Holdings dividend payout ratio

In 2025, Capitec Bank Holdings had a payout ratio of 59.28%. The payout ratio indicates the percentage of the company's profits that Capitec Bank Holdings distributes as dividends.
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Payout ratio
Details
Date
Payout ratio
Jan 1, 2022
51.92 %
Jan 1, 2023
54.72 %
Jan 1, 2024
59.37 %
Jan 1, 2025
59.28 %
Jan 1, 2026
57.79 %
Jan 1, 2027 (e)
6,196.36 %
Jan 1, 2028 (e)
6,230.76 %
Jan 1, 2029 (e)
63.68 %

Current Capitec Bank Holdings forecasts and price targets in September 2026

Analyst Price Targets 2026
Δ MOM Price Target
1.43 %
Buy
84.62 % (11)
Hold
7.69 % (1)
Sell
7.69 % (1)
12M Price Target
—
Last Price
447,709.00
Currency
ZAR
12M Return Potential
—
LTM Return
12,427.24 %

Capitec Bank Holdings Earnings Estimates & Surprises

DateEPS estimateEPS ActualRevenue EstimatePrice reactionQuarterly report
9/30/202683.35ZAR-29.44 BZAR-2026 Q3
4/22/202679.58ZAR76.45ZAR27.97 BZAR-2026 Q1
10/1/202563.74ZAR67.19ZAR36.92 BZAR-2025 Q3
4/23/2025-ZAR63.44ZAR20.00 BZAR-2025 Q1
10/1/202450.85ZAR55.54ZAR40.29 BZAR-2024 Q3
4/22/202451.02ZAR50.74ZAR18.11 BZAR-2024 Q1
9/26/202346.71ZAR40.69ZAR16.60 BZAR-2023 Q3
4/18/202341.85ZAR43.63ZAR15.48 BZAR-2023 Q1
9/29/202240.15ZAR40.34ZAR15.07 BZAR-2022 Q3
4/12/202239.30ZAR38.42ZAR13.29 BZAR-2022 Q1

EESG©

Eulerpool ESG Scorecard© for the Capitec Bank Holdings stock

57/100
44
Environment
99
Social
28
Governance
E

Environment

Scope 1 - Direct Emissions2,571
Scope 2 - Indirect emissions from purchased energy28,065
Scope 3 - Indirect emissions within the value chain4,975
Total CO₂ emissions30,636
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather—
Pesticides—
Palm Oil—
Tobacco
Genetically modified organisms
Climate concept—
Sustainable forestry—
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency
S

Social

Percentage of female employees62.12
Percentage of women in management—
Percentage of Asian employees—
Share of Asian management—
Percentage of Hispanic/Latino employees—
Hispano/Latino Management share—
Percentage of Black employees—
Black Management Share—
Percentage of white employees—
White Management Share—
Adult content
Alcohol
Weapons—
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept—
Occupational health and safety
Catholic
G

Governance (Corporate Governance)

Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Capitec Bank Holdings shareholder structure

% Name
5.03120%
Ninety One SA Pty Ltd.
Ninety One SA Pty Ltd.
2.45531%
The Vanguard Group, Inc.
The Vanguard Group, Inc.
2.07585%
Capital Research Global Investors
Capital Research Global Investors
1.29685%
BlackRock Institutional Trust Company, N.A.
BlackRock Institutional Trust Company, N.A.
1.00797%
Fidelity Management & Research Company LLC
Fidelity Management & Research Company LLC
0.52839%
BlackRock Advisors (UK) Limited
BlackRock Advisors (UK) Limited
...

Capitec Bank Holdings Beneficial Ownership Filings (SEC 13D/G)

Free Float
75.3%
Float Shares
87.27 M
Shares Outstanding
115.84 M

Capitec Bank Holdings Executives and Management Board

21 members · avg. age 53 · 33 % women

GF

Mr. Gerhardus Fourie (60)

Chief Executive Officer, Executive Director

23.25 M ZAR

Management

HL

Mr. Hendrik Jacobus Lourens (58)

Executive - Strategic Initiatives · since 2022

12.48 M ZAR
GH

Mr. Grant Hardy (42)

Chief Financial Officer, Executive Director · since 2022

11.48 M ZAR
WB

Mr. Willem De Bruyn (53)

Executive - Business Development and Technology

11.02 M ZAR
RB

Ms. Rizwana Butler (49)

Executive - Human Resources

10.88 M ZAR
KK

Mr. Karl Kumbier (52)

Executive - Business Bank

9.29 M ZAR
FV

Mr. Francois Viviers (41)

Executive - Marketing and Communications

7.30 M ZAR

Board of Directors

SB

Ms. Susan Botha (59)

Independent Non-Executive Chairman of the Board

5.30 M ZAR
VM

Mr. Vusumuzi Mahlangu (53)

Lead Independent Non-Executive Director

1.48 M ZAR
CF

Ms. Cora Fernandez (51)

Independent Non-Executive Director

1.42 M ZAR
SP

Dr. Stanislaus Du Plessis (51)

Independent Non-Executive Director

1.42 M ZAR
PM

Mr. Petrus Mouton (47)

Non-Executive Director

1.09 M ZAR
CO

Mr. Chris Otto (74)

Non-Executive Director

897,000.00 ZAR

Frequently asked questions about Capitec Bank Holdings

Capitec Bank Holdings Ltd is primarily active in the banking and financial services industry.

The main competitors of Capitec Bank Holdings Ltd in the market include major South African banks such as Standard Bank, FirstRand Limited, Nedbank Group, and Absa Group Limited.

The business model of Capitec Bank Holdings Ltd is focused on providing accessible and simplified banking services to individuals in South Africa. Capitec employs a retail banking approach, offering low-cost transactional banking, savings, credit and insurance products to its customers. The company aims to meet the financial needs of the previously underserved segment of the population by providing affordable and transparent banking solutions. By leveraging technology and streamlined processes, Capitec Bank Holdings Ltd aims to offer convenience and simplicity to its customers, enabling them to manage their finances effectively.

Capitec Bank Holdings Ltd, a leading South African financial institution, has a rich history and background. Founded in 2001, Capitec quickly emerged as a disruptive force, challenging traditional banking models with its innovative approach. Over the years, the company has experienced remarkable growth, catering to the banking needs of diverse individuals and businesses. Capitec's core philosophy revolves around simplicity, accessibility, and affordability, offering a range of client-centric banking products and services. With a relentless focus on technological advancements, Capitec continues to deliver exceptional value to its customers, reinforcing its position as a trusted financial partner in the market. As a top stock to consider, Capitec Bank Holdings Ltd offers investors an opportunity to align themselves with a dynamic and forward-thinking player in the financial services industry.

Capitec Bank Holdings Ltd, a leading South African financial institution, has achieved several significant milestones. One notable achievement was reaching 11 million active clients in 2019, demonstrating their growing customer base and trust in their services. The company also became the largest bank by the number of customers in South Africa, surpassing traditional banking giants. Capitec Bank Holdings Ltd further received international recognition by being named the Best Bank in the World by the Lafferty Group in 2017. These milestones showcase Capitec Bank Holdings Ltd's remarkable growth, customer-centric approach, and commitment to excellence in the financial industry.

Capitec Bank Holdings Ltd is primarily present in South Africa.

Capitec Bank Holdings Ltd is a renowned financial institution that exemplifies values and a corporate philosophy rooted in customer-centricity, simplicity, and accessibility. The company strongly believes in providing innovative, transparent, and affordable banking solutions to empower individuals and businesses. Capitec Bank aims to make banking more inclusive, offering robust financial products and services tailored to meet the needs of their diverse customer base. By embracing technology and fostering a culture of continuous improvement, Capitec Bank is committed to delivering a seamless and convenient banking experience. As a result, Capitec Bank has earned a strong reputation for its customer-driven approach and commitment to financial inclusivity.

Analysts currently set an average price target of 4,663.44 ZAR for the Capitec Bank Holdings stock (median: 4,914.36 ZAR), implying +4.2 % versus the latest price. The consensus is based on 13 analyst ratings.

13 analysts currently rate the Capitec Bank Holdings stock: 11 recommend buying, 1 holding and 1 selling.

Converted at the current exchange rate, the Capitec Bank Holdings share trades at 24,022.27 EUR (447,709.00 ZAR).

The Capitec Bank Holdings share (CPI.JO) is listed on 2 stock exchanges, including: JSE (Johannesburg) (CPI.JO).

Capitec Bank Holdings Ltd is a leading South African bank holding company that offers a wide range of financial products and services. The bank was founded in 2001 and has since steadily grown by expanding its services to a variety of customers. The business model of Capitec Bank is focused on maximizing customer satisfaction and experience. The bank strives to serve its customers through fast and efficient processing of transactions and to impress them with an excellent customer experience. The key products of Capitec Bank Holdings Ltd include current accounts, savings accounts, loans, credit cards, transfers, and debit cards. The bank also offers mobile banking services, allowing customers to conduct banking transactions from anywhere. An important aspect of Capitec Bank's business model is its focus on providing financial knowledge to its customers. The bank offers training and workshops to educate its customers about important financial topics. This allows customers to make informed decisions, such as managing credit optimally or creating an efficient budget plan. The bank also pursues an environmentally conscious strategy by supporting and incorporating sustainable projects into its own business processes. Capitec Bank envisions being a leader in green initiatives and contributing to an improved environment. Regarding the bank's divisions, Capitec Bank Holdings Ltd has four main departments: retail, business, corporate, and investment banking. Each department serves specific customer needs. The retail department provides basic banking services such as accounts, credit, and debit cards. The business department caters to individuals with larger assets and companies with special requirements. The corporate department offers services such as accounts, credit and debit cards, loans, cash management, and transfers to businesses. The investment banking department provides investment advisory and services, such as fund management, investment advice, and trading services. Overall, Capitec Bank Holdings Ltd has developed a successful business model that offers a wide range of financial products and services to meet diverse customer needs. Its focus on customer experience, financial knowledge, and sustainability has also helped establish the bank as a trusted brand in the banking industry in South Africa.

The revenue of Capitec Bank Holdings is 76.17 B ZAR. This figure is based on current financial data and reflects the company's business performance.

The profit of Capitec Bank Holdings is 16.83 B ZAR. The net profit reflects the company's profitability after deducting all expenses.

The price-to-earnings ratio (P/E) of Capitec Bank Holdings is currently 3,080.94. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the Capitec Bank Holdings stock.

The price-to-sales ratio (P/S) of Capitec Bank Holdings is currently 680.85. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the Capitec Bank Holdings stock.

The Eulerpool Quality Score for Capitec Bank Holdings is 8/10.

The ISIN of Capitec Bank Holdings is ZAE000035861. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.

The WKN of Capitec Bank Holdings is 779555. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.

The ticker of Capitec Bank Holdings is CPI.JO. The ticker symbol is used to trade Capitec Bank Holdings shares on the stock exchange.

Over the past 12 months, Capitec Bank Holdings paid a dividend of 70.45 ZAR . This corresponds to a dividend yield of about 0.02 %. For the coming 12 months, Capitec Bank Holdings is expected to pay a dividend of 107.20 ZAR.

The current dividend yield of Capitec Bank Holdings is 0.02 %.

Capitec Bank Holdings pays a dividend, distributed in the months of October, May.

Capitec Bank Holdings paid dividends every year for the past 5 years.

For the upcoming 12 months, dividends amounting to 107.20 ZAR are expected. This corresponds to a dividend yield of 2.39 %.

Capitec Bank Holdings is assigned to the 'Finance' sector.

In the year 2025, Capitec Bank Holdings distributed 70.45 ZAR as dividends.

The dividends of Capitec Bank Holdings are distributed in ZAR.

Fair ValuePRO
4,342.78 ZAR
Over-/UndervaluationPRO
Fairly valued
Sector
Industry
Banks
Number of shares
Employees
Revenue per Employee
5.22 M ZAR
Revenue growth Ø5 years
EBIT growth Ø5 years
Net Income growth Ø5 years
Country
South Africa
Currency
ZAR
Initial public offering
Feb 18, 2002
ISIN
ZAE000035861
Cusip
S15445109
Sedol
6440859
Market capitalization
517.82 B ZARMega Cap
52-Week Range
3,427.03–447,709.00ZAR
Revenue growth (10Y) > 5%
Revenue growth (3Y) > 5 %
EBIT growth (10Y) > 5%
EBIT growth (3Y) > 5 %
Net debt < 4x EBIT
Profitable since 10Y+
EBIT Drawdown (10Y) < 50%
Return on Equity (ROE) > 15%
ROCE > 15%
Return Expectation > 10%
PEG
0.07
P/E ratio
P/Ee 2027
2,587.84
P/Ee 2028
2,168.51
P/Ee 2029
18.47
P/S
P/Se
8.60
EV/EBIT
22.56
P/B Ratio
8.71
ROE (Return on Equity)
ROA (Return on Assets)
ROCE (Return on Capital Employed)
ROIC (Return on Invested Capital)
26.67 %
Gross Margin
74.79 %
EBIT Margin
29.12 %
Net Margin
22.10 %
EPS (Earnings Per Share)
145.32 ZAR
Net Debt / EBIT
-0.79
Debt/Equity
0.06
Dividend
Dividend yield
1.57 %
Est. Dividend Yield
2.39 %
Payout Ratio
57.79 %
Dividend growth Ø5Y
12.90 %
Dividend payments per year
2
Dividend paid since
5 years
Dividend not reduced since
5 years
Dividend increased since
5 years
Dividend withholding tax
20.00 %
Last updated Sep 24, 2026, 10:09 PM

Capitec Bank Holdings Ticker

JSE · CPI.JOOTC · CKHGF

Capitec Bank Holdings FIGI

CPI:SJ · BBG000D4HYB1CKHGF:US · BBG000L1WY49CKHGF:PQ · BBG002JH3CT6CKHGF:UV · BBG002JH3CW2CPIZAR:EO · BBG006S7CL46CPIZAR:XH · BBG006S7CL73CPIZAR:XF · BBG006S7CL91CPIZAR:XE · BBG006S7CLC7CPIZAR:XJ · BBG006S7CLD6CPIZAR:XL · BBG006S7CLF4CPIZAR:XG · BBG006S7CLG3CPIZAR:XO · BBG006S7CLH2