CKHGF
Capitec Bank Holdings Limited
Price Chart
Latest Quote
$247.67
+0.00 (+0.00%)
Current Price
| Previous Close | $247.67 |
| Open | $124.06 |
| Day High | $124.06 |
| Day Low | $124.06 |
| Volume | 508 |
Stock Information
Note: Financial values converted from ZAR to USD
| Quarterly Dividend / Yield | $4.72 / 1.91% |
| Shares Outstanding | 115.85M |
| Quarterly Dividend Yield | 1.91% |
| Quarterly Dividend | $4.72 |
| Total Debt | $234.61M |
| Cash Equivalents | $3.45B |
| Revenue | $2.60B |
| Net Income | $1.03B |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $28.69B |
| P/E Ratio | 27.86 |
| EPS (TTM) | $8.89 |
| Exchange | PNK |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $-23.65B |
| Sales | $2.60B |
| Income | $1.03B |
| Book/sh | $31.72 |
| Cash/sh | $485.48 |
| Employees | 18K |
Financial Ratios
| EPS Growth TTM | 20.80% |
Returns & Margins
| ROA | 6.71% |
| ROE | 30.50% |
| Operating Margin | 54.23% |
| Profit Margin | 39.68% |
Ownership
| Insider Ownership | 24.04% |
| Institutional Ownership | 44.61% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| P/S | 0.68 |
| P/B | 7.81 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $247.67 |
| SMA50 | $220.87 |
| SMA200 | $156.19 |
| RSI | nan |
| Shares Float | 87.27M |
| Volatility | 0.76 |
Performance History
| Week | +0.00% |
| Month | +0.00% |
| Quarter | +27.62% |
| 6 Months | +89.53% |
| YTD | +89.53% |
| Year | +124.85% |
| 3 Years | +830.17% |
| 5 Years | +2731.58% |
| 10 Years | +3695.91% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-17 | $247.67 | 0 |
| 2026-06-16 | $247.67 | 0 |
| 2026-06-15 | $247.67 | 0 |
| 2026-06-12 | $247.67 | 0 |
| 2026-06-11 | $247.67 | 0 |
| 2026-06-10 | $247.67 | 0 |
| 2026-06-09 | $247.67 | 0 |
| 2026-06-08 | $247.67 | 0 |
| 2026-06-05 | $247.67 | 0 |
| 2026-06-04 | $247.67 | 0 |
| 2026-06-03 | $247.67 | 0 |
| 2026-06-02 | $247.67 | 0 |
| 2026-06-01 | $247.67 | 0 |
| 2026-05-29 | $247.67 | 0 |
| 2026-05-28 | $247.67 | 0 |
| 2026-05-27 | $247.67 | 0 |
| 2026-05-26 | $247.67 | 0 |
| 2026-05-22 | $247.67 | 0 |
| 2026-05-21 | $247.67 | 0 |
| 2026-05-20 | $247.67 | 0 |
| 2026-05-19 | $247.67 | 0 |
| 2026-05-18 | $247.67 | 0 |
About Capitec Bank Holdings Limited
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; insurance products, such as general, fleet, agricultural, engineering, motor traders, hospitality, contractors all risk, life, and credit insurance, as well as funeral cover insurance; 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. The company was incorporated in 1999 and is based in Stellenbosch, South Africa.
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Income Statement (Annual)
| Metric | 2025-02-28 | 2024-02-29 | 2023-02-28 | 2022-02-28 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $44,067,377,000 | $36,042,839,000 | $29,751,620,000 | $26,961,334,000 |
| Operating Revenue | $44,067,377,000 | $36,042,839,000 | $29,751,620,000 | $26,961,334,000 |
| Expenses | ||||
| Interest Expense | $10,042,710,000 | $9,341,813,000 | $6,992,691,000 | $4,837,898,000 |
| Operating Expense | $18,099,565,000 | $13,940,885,000 | $11,876,702,000 | $12,555,023,000 |
| Other Operating Expenses | $18,099,565,000 | $13,940,885,000 | $11,876,702,000 | $12,555,023,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $13,742,245,000 | $10,566,937,000 | $9,151,472,000 | $8,527,022,000 |
| Net Interest Income | $20,185,648,000 | $16,463,987,000 | $13,790,657,000 | $12,616,417,000 |
| Interest Income | $30,228,358,000 | $25,805,800,000 | $20,783,348,000 | $17,454,315,000 |
| Normalized Income | $13,720,993,900 | $10,566,937,000 | $9,151,472,000 | $8,527,022,000 |
| Net Income From Continuing And Discontinued Operation | $13,742,245,000 | $10,566,937,000 | $9,151,472,000 | $8,527,022,000 |
| Net Income Common Stockholders | $13,737,588,000 | $10,561,478,000 | $9,146,990,000 | $8,523,106,000 |
| Net Income | $13,742,245,000 | $10,566,937,000 | $9,151,472,000 | $8,527,022,000 |
| Net Income Including Noncontrolling Interests | $13,749,116,000 | $10,566,937,000 | $9,151,472,000 | $8,527,022,000 |
| Net Income Continuous Operations | $13,749,116,000 | $10,566,937,000 | $9,151,472,000 | $8,527,022,000 |
| Pretax Income | $17,739,665,000 | $13,447,744,000 | $11,643,283,000 | $10,934,746,000 |
| Special Income Charges | $27,245,000 | $0 | $0 | $0 |
| Per Share | ||||
| Diluted EPS | $118.78 | $91.37 | $79.11 | $73.60 |
| Basic EPS | $119.11 | $91.56 | $79.33 | $73.71 |
| Other | ||||
| Tax Effect Of Unusual Items | $5,993,900 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $27,245,000 | $0 | $0 | $0 |
| Total Unusual Items Excluding Goodwill | $27,245,000 | $0 | $0 | $0 |
| Reconciled Depreciation | $1,449,902,000 | $1,367,406,000 | $1,150,938,000 | $1,224,087,000 |
| Diluted Average Shares | $115,659,000 | $115,589,000 | $115,617,000 | $115,800,000 |
| Basic Average Shares | $115,339,000 | $115,346,000 | $115,309,000 | $115,627,000 |
| Diluted NI Availto Com Stockholders | $13,737,588,000 | $10,561,478,000 | $9,146,990,000 | $8,523,106,000 |
| Otherunder Preferred Stock Dividend | $181,000 | $696,000 | $297,000 | $709,000 |
| Preferred Stock Dividends | $4,476,000 | $4,763,000 | $4,185,000 | $3,207,000 |
| Minority Interests | $-6,871,000 | $0 | - | - |
| Tax Provision | $3,990,549,000 | $2,880,807,000 | $2,491,811,000 | $2,407,724,000 |
| Other Special Charges | $-27,245,000 | - | - | - |
| Write Off | $0 | $0 | $0 | $0 |
Fetched: 2026-02-02
Balance Sheet (Annual)
| Metric | 2025-02-28 | 2024-02-29 | 2023-02-28 | 2022-02-28 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $49,253,652,000 | $42,128,618,000 | $36,484,737,000 | $34,417,710,000 |
| Total Assets | $238,463,672,000 | $207,578,626,000 | $190,636,055,000 | $177,942,781,000 |
| Investmentin Financial Assets | $77,805,216,000 | $68,780,550,000 | $61,430,723,000 | $63,026,990,000 |
| Financial Assets Designatedas Fair Value Through Profitor Loss Total | $1,349,010,000 | $553,980,000 | $289,051,000 | $0 |
| Goodwill And Other Intangible Assets | $1,628,713,000 | $1,401,975,000 | $1,435,629,000 | $1,348,005,000 |
| Other Intangible Assets | $538,011,000 | $552,488,000 | $586,142,000 | $498,518,000 |
| Prepaid Assets | $443,347,000 | $348,414,000 | $245,366,000 | $158,990,000 |
| Receivables | $2,855,233,000 | $2,221,298,000 | $1,551,257,000 | $1,525,730,000 |
| Taxes Receivable | $0 | $0 | $40,701,000 | $0 |
| Cash And Cash Equivalents | $29,328,985,000 | $22,635,411,000 | $27,795,010,000 | $28,118,480,000 |
| Cash Equivalents | $-257,000 | $-4,347,000 | $-748,000 | $-1,000,000 |
| Cash Financial | $4,483,669,000 | $3,830,473,000 | $3,345,159,000 | $2,870,552,000 |
| Cash Cash Equivalents And Federal Funds Sold | $52,836,419,000 | $42,649,845,000 | $37,648,742,000 | $36,561,282,000 |
| Debt | ||||
| Total Debt | $5,272,810,000 | $5,404,017,000 | $4,743,856,000 | $4,484,887,000 |
| Long Term Debt And Capital Lease Obligation | $5,272,810,000 | $5,404,017,000 | $4,743,856,000 | $4,484,887,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $187,550,377,000 | $164,048,033,000 | $152,715,689,000 | $142,177,066,000 |
| Derivative Product Liabilities | $21,140,000 | $20,602,000 | $23,683,000 | $33,848,000 |
| Payables | $6,062,045,000 | $3,554,086,000 | $2,325,877,000 | $2,520,131,000 |
| Dividends Payable | $1,284,000 | $3,023,000 | $10,115,000 | $8,263,000 |
| Total Tax Payable | $377,124,000 | $251,977,000 | $0 | $301,951,000 |
| Accounts Payable | $5,683,637,000 | $3,299,086,000 | $2,315,762,000 | $2,209,917,000 |
| Equity | ||||
| Common Stock Equity | $50,882,360,000 | $43,530,588,000 | $37,920,361,000 | $35,765,709,000 |
| Preferred Stock Equity | $5,000 | $5,000 | $5,000 | $6,000 |
| Total Equity Gross Minority Interest | $50,913,295,000 | $43,530,593,000 | $37,920,366,000 | $35,765,715,000 |
| Stockholders Equity | $50,882,365,000 | $43,530,593,000 | $37,920,366,000 | $35,765,715,000 |
| Other Equity Interest | $515,809,000 | $515,809,000 | $515,809,000 | $515,809,000 |
| Retained Earnings | $44,890,964,000 | $37,423,827,000 | $31,895,742,000 | $29,559,311,000 |
| Long Term Equity Investment | $285,341,000 | $727,056,000 | $600,068,000 | $394,346,000 |
| Other | ||||
| Treasury Shares Number | $277,289 | $292,246 | $313,979 | - |
| Preferred Shares Number | $479,255 | $479,255 | $542,013 | $566,864 |
| Ordinary Shares Number | $115,822,554 | $115,807,597 | $115,785,864 | $115,626,991 |
| Share Issued | $116,099,843 | $116,099,843 | $116,099,843 | $115,626,991 |
| Tangible Book Value | $49,253,647,000 | $42,128,613,000 | $36,484,732,000 | $34,417,704,000 |
| Invested Capital | $53,787,975,000 | $46,551,422,000 | $40,359,155,000 | $37,825,902,000 |
| Total Capitalization | $53,787,980,000 | $46,551,427,000 | $40,359,160,000 | $37,825,908,000 |
| Minority Interest | $30,930,000 | $0 | - | - |
| Treasury Stock | $173,674,000 | $192,480,000 | $242,912,000 | $0 |
| Additional Paid In Capital | $5,689,707,000 | $5,691,119,000 | $5,696,783,000 | $5,699,025,000 |
| Capital Stock | $1,161,000 | $1,161,000 | $1,161,000 | $1,162,000 |
| Common Stock | $1,156,000 | $1,156,000 | $1,156,000 | $1,156,000 |
| Preferred Stock | $5,000 | $5,000 | $5,000 | $6,000 |
| Investments And Advances | $78,090,557,000 | $69,507,606,000 | $62,030,791,000 | $63,421,336,000 |
| Available For Sale Securities | $76,418,592,000 | $68,192,966,000 | $61,108,117,000 | $63,012,404,000 |
| Investmentsin Joint Venturesat Cost | $264,515,000 | $289,246,000 | $246,646,000 | - |
| Investmentsin Associatesat Cost | $20,826,000 | $437,810,000 | $353,422,000 | $394,346,000 |
| Investmentsin Subsidiariesat Cost | $0 | $0 | $0 | $0 |
| Goodwill | $1,090,702,000 | $849,487,000 | $849,487,000 | $849,487,000 |
| Net PPE | $5,805,728,000 | $5,367,945,000 | $5,113,333,000 | $4,930,990,000 |
| Accumulated Depreciation | $-6,271,394,000 | $-5,916,853,000 | $-5,345,650,000 | $-4,468,493,000 |
| Gross PPE | $12,077,122,000 | $11,284,798,000 | $10,458,983,000 | $9,399,483,000 |
| Machinery Furniture Equipment | $6,323,147,000 | $6,378,980,000 | $5,997,209,000 | $5,253,327,000 |
| Buildings And Improvements | $4,362,389,000 | $3,914,773,000 | $3,468,205,000 | $3,152,470,000 |
| Land And Improvements | $1,391,586,000 | $991,045,000 | $993,569,000 | $993,686,000 |
| Other Properties | - | - | - | $4,931,000,000 |
| Construction In Progress | - | - | - | - |
Fetched: 2026-02-02
Cash Flow Statement (Annual)
| Metric | 2025-02-28 | 2024-02-29 | 2023-02-28 | 2022-02-28 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $23,531,919,000 | $15,959,492,000 | $3,091,619,000 | $13,152,997,000 |
| Operating Activities | ||||
| Operating Cash Flow | $24,904,921,000 | $17,116,875,000 | $4,254,882,000 | $14,015,537,000 |
| Investing Activities | ||||
| Capital Expenditure | $-1,373,002,000 | $-1,157,383,000 | $-1,163,263,000 | $-862,540,000 |
| Investing Cash Flow | $-6,986,606,000 | $-11,570,240,000 | $-1,522,222,000 | $-25,277,646,000 |
| Net Other Investing Changes | $2,524,000,000 | $-4,214,000,000 | $-2,750,000,000 | $-201,708,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-34,004,000 | $-43,214,000 | $-123,133,000 | $-5,183,000 |
| Issuance Of Capital Stock | $-137,514,000 | $-63,945,000 | $-77,088,000 | $3,321,000 |
| Financing Cash Flow | $-8,166,686,000 | $-4,786,834,000 | $-6,009,999,000 | $-3,810,031,000 |
| Cash Dividends Paid | $-6,303,954,000 | $-5,023,115,000 | $-6,189,475,000 | $-3,238,052,000 |
| Common Stock Dividend Paid | $-6,303,954,000 | $-5,023,115,000 | $-6,189,475,000 | $-3,238,052,000 |
| Net Preferred Stock Issuance | $-1,593,000 | $-6,360,000 | $-2,540,000 | $-5,183,000 |
| Net Common Stock Issuance | $-169,925,000 | $-100,799,000 | $-197,681,000 | $3,321,000 |
| Common Stock Issuance | $-137,514,000 | $-63,945,000 | $-77,088,000 | $3,321,000 |
| Dividend Received Cfo | $0 | $0 | $0 | - |
| Dividend Paid Cfo | $0 | $0 | $0 | $0 |
| Net Other Financing Charges | - | - | $-120,593,000 | - |
| Other | ||||
| Repayment Of Debt | $-1,250,000,000 | $0 | $0 | $-1,000,000,000 |
| Issuance Of Debt | $0 | $750,000,000 | $750,000,000 | $750,000,000 |
| End Cash Position | $44,563,591,000 | $34,860,733,000 | $31,014,687,000 | $34,239,828,000 |
| Beginning Cash Position | $34,860,733,000 | $34,019,425,000 | $34,239,828,000 | $49,309,196,000 |
| Effect Of Exchange Rate Changes | $-48,771,000 | $81,507,000 | $52,198,000 | $2,772,000 |
| Changes In Cash | $9,751,629,000 | $759,801,000 | $-3,277,339,000 | $-15,072,140,000 |
| Preferred Stock Payments | $-1,593,000 | $-6,360,000 | $-2,540,000 | $-5,183,000 |
| Common Stock Payments | $-32,411,000 | $-36,854,000 | $-120,593,000 | $0 |
| Net Issuance Payments Of Debt | $-1,250,000,000 | $750,000,000 | $750,000,000 | $-250,000,000 |
| Net Long Term Debt Issuance | $-1,250,000,000 | $750,000,000 | $750,000,000 | $-250,000,000 |
| Long Term Debt Payments | $-1,250,000,000 | $0 | $0 | $-1,000,000,000 |
| Long Term Debt Issuance | $0 | $750,000,000 | $750,000,000 | $750,000,000 |
| Net Investment Purchase And Sale | $-8,062,558,000 | $-6,196,774,000 | $2,436,015,000 | $-24,224,208,000 |
| Sale Of Investment | $63,005,472,000 | $58,959,433,000 | $49,652,992,000 | $39,448,977,000 |
| Purchase Of Investment | $-71,068,030,000 | $-65,156,207,000 | $-47,216,977,000 | $-63,673,185,000 |
| Net Business Purchase And Sale | $-114,495,000 | $-31,900,000 | $-61,800,000 | $0 |
| Purchase Of Business | $-114,495,000 | $-31,900,000 | $-61,800,000 | $0 |
| Net Intangibles Purchase And Sale | $-94,568,000 | $-119,269,000 | $-228,841,000 | $-116,988,000 |
| Purchase Of Intangibles | $-94,568,000 | $-119,269,000 | $-228,841,000 | $-116,988,000 |
| Net PPE Purchase And Sale | $-1,238,985,000 | $-1,008,297,000 | $-917,596,000 | $-734,742,000 |
| Sale Of PPE | $39,449,000 | $29,817,000 | $16,826,000 | $10,810,000 |
| Purchase Of PPE | $-1,278,434,000 | $-1,038,114,000 | $-934,422,000 | $-745,552,000 |
| Taxes Refund Paid | $-4,455,654,000 | $-2,712,640,000 | $-2,545,722,000 | $-2,844,582,000 |
| Interest Received Cfo | $29,757,053,000 | $24,950,193,000 | $20,438,606,000 | $16,680,581,000 |
| Interest Paid Cfo | $-10,043,815,000 | $-9,301,372,000 | $-6,958,102,000 | $-4,852,841,000 |
| Change In Working Capital | $1,453,995,000 | $-3,369,619,000 | $-11,297,468,000 | $-876,152,000 |
| Change In Other Current Liabilities | $182,683,000 | $-21,921,000 | $-311,264,000 | $208,238,000 |
| Change In Other Current Assets | $1,538,456,000 | $1,933,873,000 | $1,240,780,000 | $267,478,000 |
| Change In Payable | $2,952,410,000 | $1,488,233,000 | $-821,953,000 | $1,749,988,000 |
| Change In Receivables | $-3,300,662,000 | $-773,178,000 | $-2,114,244,000 | $-1,627,706,000 |
| Other Non Cash Items | $-23,105,986,000 | $-19,388,009,000 | $-16,954,875,000 | $-12,787,853,000 |
| Stock Based Compensation | $86,258,000 | $60,102,000 | $165,228,000 | $570,081,000 |
| Provisionand Write Offof Assets | $11,979,950,000 | $12,107,083,000 | $8,711,049,000 | $5,946,323,000 |
| Depreciation And Amortization | $1,449,902,000 | $1,367,406,000 | $1,150,938,000 | $1,224,087,000 |
| Amortization Cash Flow | $222,732,000 | $152,923,000 | $140,974,000 | $223,496,000 |
| Depreciation | $1,227,170,000 | $1,214,483,000 | $1,009,964,000 | $1,000,591,000 |
| Net Foreign Currency Exchange Gain Loss | $34,883,000 | $4,825,000 | $-7,376,000 | $7,114,000 |
| Gain Loss On Sale Of PPE | $38,909,000 | $22,286,000 | $7,071,000 | $25,013,000 |
| Gain Loss On Sale Of Business | $-27,245,000 | $0 | - | - |
| Net Income From Continuing Operations | $17,736,671,000 | $13,376,620,000 | $11,545,533,000 | $10,898,557,000 |
| Gain Loss On Investment Securities | - | - | $-240,000,000 | - |
Fetched: 2026-02-02