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C

Capitec Bank Holdings Ltd
JSE:CPI

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Capitec Bank Holdings Ltd
JSE:CPI
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Price: 419 915 Zac -2.15%
Market Cap: 489.5B ZAR
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Financials Section:
Income Statement Balance Sheet Cash Flow Statement

Income Statement

Net Interest Income
+
3Y
+68%
5Y
+92%
10Y
+149%
Non Interest Income
+
3Y
+96%
5Y
+192%
10Y
+640%
Net Income
+
3Y
+71%
5Y
+291%
10Y
+439%

Income Statement
Capitec Bank Holdings Ltd

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Income Statement
Currency: ZAR
Feb-2005 Aug-2005 Feb-2006 Aug-2006 Feb-2007 Aug-2007 Feb-2008 Aug-2008 Feb-2009 Aug-2009 Feb-2010 Aug-2010 Feb-2011 Aug-2011 Feb-2012 Aug-2012 Feb-2013 Aug-2013 Feb-2014 Aug-2014 Feb-2015 Aug-2015 Feb-2016 Aug-2016 Feb-2017 Aug-2017 Feb-2018 Aug-2018 Feb-2019 Aug-2019 Feb-2020 Aug-2020 Feb-2021 Aug-2021 Feb-2022 Aug-2022 Feb-2023 Aug-2023 Feb-2024 Aug-2024 Feb-2025 Aug-2025
Revenue
Net Interest Income
527
594
744
902
898
753
639
738
943
1 096
1 273
1 612
2 057
2 632
3 325
4 145
5 422
6 690
7 300
7 745
8 357
9 002
10 528
11 582
11 383
11 405
11 290
10 965
10 992
11 020
11 361
11 666
11 560
11 971
12 616
13 316
14 207
15 362
16 464
18 096
20 186
22 391
Interest Income
544
622
784
958
968
832
740
903
1 213
1 464
1 764
2 252
2 809
3 481
4 347
5 442
7 085
8 666
9 433
10 018
10 782
11 621
13 412
14 802
14 934
15 263
15 474
15 321
15 501
16 019
17 041
17 321
16 544
16 620
17 454
18 908
21 199
23 802
25 806
27 972
30 228
32 043
Interest Expense
17
27
40
56
70
80
101
165
270
369
491
639
751
849
1 022
1 297
1 663
1 977
2 133
2 272
2 426
2 618
2 884
3 220
3 552
3 859
4 184
4 356
4 510
5 000
5 680
5 655
4 984
4 649
4 838
5 592
6 993
8 441
9 342
9 876
10 043
9 653
Non Interest Income
9
78
52
92
180
503
917
1 139
1 389
1 510
1 756
1 970
2 377
2 626
3 237
3 317
3 845
3 802
4 093
4 423
4 940
5 371
4 932
5 413
6 637
7 660
8 721
9 559
10 259
11 198
12 717
13 633
15 146
16 831
18 771
20 275
22 974
24 385
28 061
30 282
34 385
39 764
Revenue
536
N/A
672
+25%
796
+18%
994
+25%
1 078
+8%
1 256
+17%
1 556
+24%
1 877
+21%
2 332
+24%
2 606
+12%
3 029
+16%
3 582
+18%
4 434
+24%
5 258
+19%
6 562
+25%
7 462
+14%
9 267
+24%
10 492
+13%
11 393
+9%
12 168
+7%
13 297
+9%
14 373
+8%
15 460
+8%
16 995
+10%
18 020
+6%
19 065
+6%
20 011
+5%
20 524
+3%
21 251
+4%
22 218
+5%
24 078
+8%
25 299
+5%
26 706
+6%
28 802
+8%
31 387
+9%
33 591
+7%
37 181
+11%
39 747
+7%
44 525
+12%
48 378
+9%
54 571
+13%
62 154
+14%
Pre-Tax Income
Loan Loss Provision
(39)
(47)
(96)
(154)
(161)
(166)
(231)
(372)
(468)
(498)
(548)
(693)
(988)
(1 264)
(1 604)
(1 944)
(2 659)
(3 595)
(3 976)
(4 017)
(4 014)
(4 131)
(4 401)
(4 888)
(5 121)
(5 332)
(5 280)
(5 011)
(4 450)
(4 023)
(4 474)
(8 445)
(7 825)
(3 807)
(3 508)
(4 379)
(6 329)
(8 151)
(8 725)
(7 996)
(8 258)
(8 960)
Non Interest Expense
(398)
(509)
(534)
(628)
(673)
(804)
(1 001)
(1 145)
(1 408)
(1 569)
(1 839)
(2 096)
(2 505)
(2 755)
(3 399)
(3 652)
(4 331)
(4 281)
(4 586)
(5 048)
(5 723)
(6 268)
(6 587)
(7 242)
(7 658)
(8 115)
(8 576)
(8 928)
(9 723)
(10 536)
(11 549)
(12 093)
(13 293)
(14 903)
(16 945)
(17 769)
(19 208)
(19 610)
(22 352)
(24 518)
(28 573)
(33 291)
Pre-Tax Income
99
N/A
116
+17%
166
+43%
213
+28%
243
+14%
284
+17%
324
+14%
362
+12%
457
+26%
540
+18%
642
+19%
793
+24%
940
+19%
1 238
+32%
1 558
+26%
1 865
+20%
2 277
+22%
2 616
+15%
2 831
+8%
3 104
+10%
3 559
+15%
3 974
+12%
4 472
+13%
4 865
+9%
5 241
+8%
5 618
+7%
6 155
+10%
6 585
+7%
7 077
+7%
7 658
+8%
8 056
+5%
4 762
-41%
5 588
+17%
10 092
+81%
10 935
+8%
11 444
+5%
11 643
+2%
11 985
+3%
13 448
+12%
15 864
+18%
17 740
+12%
19 903
+12%
Net Income
Tax Provision
(32)
(37)
(51)
(65)
(76)
(85)
(95)
(109)
(137)
(163)
(193)
(240)
(284)
(374)
(464)
(559)
(673)
(741)
(795)
(866)
(996)
(1 115)
(1 244)
(1 354)
(1 434)
(1 516)
(1 685)
(1 710)
(1 781)
(1 868)
(1 805)
(840)
(1 130)
(2 340)
(2 408)
(2 510)
(2 492)
(2 463)
(2 881)
(3 568)
(3 991)
(4 583)
Income from Continuing Operations
67
79
115
148
167
198
229
253
319
377
449
554
656
864
1 094
1 308
1 604
1 874
2 036
2 236
2 564
2 858
3 228
3 511
3 807
4 102
4 471
4 876
5 295
5 789
6 251
3 922
4 458
7 752
8 527
8 934
9 151
9 522
10 567
12 296
13 749
15 320
Income to Minority Interest
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
(2)
(7)
(9)
Equity Earnings Affiliates
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Net Income (Common)
67
N/A
79
+18%
115
+46%
148
+29%
159
+7%
183
+15%
212
+16%
234
+10%
300
+28%
359
+20%
435
+21%
540
+24%
640
+19%
845
+32%
1 075
+27%
1 287
+20%
1 584
+23%
1 855
+17%
2 017
+9%
2 220
+10%
2 547
+15%
2 842
+12%
3 213
+13%
3 496
+9%
3 790
+8%
4 086
+8%
4 458
+9%
4 865
+9%
5 285
+9%
5 779
+9%
6 243
+8%
3 916
-37%
4 452
+14%
7 747
+74%
8 523
+10%
8 930
+5%
9 147
+2%
9 517
+4%
10 561
+11%
12 288
+16%
13 738
+12%
15 308
+11%
EPS (Diluted)
0.87
N/A
0.99
+14%
1.46
+47%
1.85
+27%
1.98
+7%
2.03
+3%
2.36
+16%
2.69
+14%
3.37
+25%
4.07
+21%
4.83
+19%
5.86
+21%
6.9
+18%
8.44
+22%
10.64
+26%
12.25
+15%
14.94
+22%
15.99
+7%
17.4
+9%
19.13
+10%
22.14
+16%
24.5
+11%
27.69
+13%
30.13
+9%
32.67
+8%
35.22
+8%
38.43
+9%
41.93
+9%
45.56
+9%
49.81
+9%
53.81
+8%
33.75
-37%
38.37
+14%
66.78
+74%
73.47
+10%
77.02
+5%
79.11
+3%
82.37
+4%
91.37
+11%
106.35
+16%
118.78
+12%
132.37
+11%

See Also

Summary
CPI intrinsic value, competitors valuation, and company profile.
DCF Valuation
CPI stock valuation using Discount Cash Flow valuation method.
Relative Valuation
CPI stock valuation using valuation multiples.
Wall Street Estimates
CPI price targets and financial estimates made by Wall st analysts.
Profitability Analysis
Detailed analysis of the company's profitability.
Solvency Analysis
Analysis of the financial position and solvency of the company.
Financials
Income Statement, Balance Sheet, Cash Flow Statement.
Discount Rate
CPI stock discount rate: cost of equity and WACC.
Summary
DCF Valuation
Relative Valuation
Wall Street Estimates
Profitability Analysis
Solvency Analysis
Financials
Discount Rate
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