Capitec Bank Holdings Limited, through its subsidiaries, provides various banking products and services in South Africa. The company operates through three segments: Retail Bank, Business Bank, and Insurance. It offers transactional banking services; fixed and tax-free savings, and call and notice deposits; term loans, credit facilities, mortgage loans, overdrafts, instalment sales and leases, credit and debit cards, and access facilities; rental finance; payment services; and merchant services, as well as credit and life insurance products. The company also provides treasury products comprising foreign exchange spot trades and foreign exchange forward contracts; and internet banking and mobile banking services. It operates approximately 853 branches; and 2,863 automated teller machines, dual note recyclers, and coin and note recyclers. The company was incorporated in 1999 and is based in Stellenbosch, South Africa.

Capitec Bank Holdings Limited

Capitec Bank is a financial institution that offers banking services. self-described.

Metric
Company Name	Capitec Bank Holdings Limited
Symbol	CPI
MSH ID	ZA:CO:CAPITECBANK
Market	STOCKS
Sector	Financial Services
Industry	Banks - Regional
Country	ZA
Stage
Employee Count	15.75K
Website	capitecbank.co.za
LinkedIn
Founders

Metric
Market Cap	171.28M
Enterprise Value
Monthly Web Traffic
Web Traffic Growth
Valuation
Raised Capital

Metric
Revenue	1.51B
Revenue (LTM)
Revenue (NTM)
Gross Profit	1.51B
EBITDA	-4.84M
Operating Income	750.79M
Net Income	586.08M
EPS	5.07
Diluted EPS	5.07
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin	1.04
Operating Profit Margin	0.77
EBITDA Margin	-0.00
Net Profit Margin	0.39
Return on Equity	0.39
Return on Assets	0.08
Return on Capital Employed	0.21

CPI

ZA:CO:CAPITECBANK

Capitec Bank

Last Close

336.18K

25/11 09:24

Market Cap

3.09B

Beta: -

Volume Today

26.89K

Avg: -

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio	54.40
P/B Ratio	5.89
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	11.98
EV Multiple	40.20

Metric
Days Sales Outstanding	193.27
Days Payables Outstanding
Days Inventory Outstanding	21.68K
Operating Cycle	21.72K
Cash Conversion Cycle	21.72K
Asset Turnover	0.32

Metric
Operating Cash Flow	308.40M
Free Cash Flow	250.80M
Cash Flow to Debt	6.84
Operating Cash Flow/Sales	0.38
Free Cash Flow Yield	0.03

Metric
Cash & Equivalents	302.61M
Accounts Receivable
Inventory
Goodwill	47.14M
Debt to Capitalization	0.11
Debt to Assets	0.02
Current Ratio
Quick Ratio	0.49

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue	0.02
R&D to Revenue
SG&A to Revenue