Stock CPI CAPITEC BANK HOLDINGS LIMITED
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Financials Capitec Bank Holdings Limited

Equities

CPI

ZAE000035861

Banks

End-of-day quote Johannesburg S.E.
Other stock markets
 23:00:00 29/04/2024 BST 		5-day change 1st Jan Change
2,328 ZAR +1.28% Intraday chart for Capitec Bank Holdings Limited +15.43% +14.88%
04-23 Capitec Bank Holdings Limited Reports Earnings Results for the Full Year Ended February 29, 2024 CI
04-23 Transcript : Capitec Bank Holdings Limited, 2024 Earnings Call, Apr 23, 2024

Valuation

Fiscal Period: February 2020 2021 2022 2023 2024 2025 2026 2027
Capitalization 1 150,314 154,796 239,851 203,698 233,629 269,584 - -
Enterprise Value (EV) 1 150,314 154,796 239,851 203,698 233,629 269,584 269,584 269,584
P/E ratio 24.1 x 34.8 x 28.2 x 20.9 x 22.1 x 20.7 x 17.5 x 15.4 x
Yield 0.58% 1.2% 1.75% 2.39% - 2.42% 2.87% 3.27%
Capitalization / Revenue 7.11 x 6.73 x 8.9 x 6.72 x 6.48 x 7 x 6.19 x 5.61 x
EV / Revenue 7.11 x 6.73 x 8.9 x 6.72 x 6.48 x 7 x 6.19 x 5.61 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 5.89 x 5.17 x 6.72 x 5.2 x - 5.36 x 4.68 x 3.97 x
Nbr of stocks (in thousands) 115,627 115,627 115,627 116,100 115,786 115,808 - -
Reference price 2 1,300 1,339 2,074 1,755 2,018 2,328 2,328 2,328
Announcement Date 14/04/20 13/04/21 12/04/22 18/04/23 23/04/24 - - -
1ZAR in Million2ZAR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: February 2020 2021 2022 2023 2024 2025 2026 2027
Net sales 1 21,131 23,005 26,961 30,307 36,043 38,532 43,544 48,063
EBITDA - - - - - - - -
EBIT 1 12,519 13,542 14,406 18,431 22,102 20,037 24,175 -
Operating Margin 59.24% 58.87% 53.43% 60.81% 61.32% 52% 55.52% -
Earnings before Tax (EBT) 1 8,060 5,588 10,935 12,199 13,448 16,903 19,933 23,788
Net income 1 6,243 4,452 8,523 9,707 10,567 12,577 15,325 17,215
Net margin 29.54% 19.35% 31.61% 32.03% 29.32% 32.64% 35.19% 35.82%
EPS 2 54.00 38.48 73.60 83.92 91.37 112.4 133.3 151.0
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 7.550 16.00 36.40 42.00 - 56.33 66.93 76.02
Announcement Date 14/04/20 13/04/21 12/04/22 18/04/23 23/04/24 - - -
1ZAR in Million2ZAR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: February 2020 S2 2021 S1 2021 S2 2022 S1 2022 S2 2023 S1 2023 S2 2024 S1 2024 S2
Net sales 1 11,178 10,992 12,013 12,815 14,146 14,578 15,729 17,232 18,811
EBITDA - - - - - - - - -
EBIT - - - - - 8,157 - - -
Operating Margin - - - - - 55.95% - - -
Earnings before Tax (EBT) - - - - - 5,894 - - -
Net income - - - - - 4,668 - - -
Net margin - - - - - 32.02% - - -
EPS - - - - - - - - -
Dividend per Share - - - - - - - - -
Announcement Date 14/04/20 30/09/20 13/04/21 30/09/21 12/04/22 29/09/22 18/04/23 28/09/23 23/04/24
1ZAR in Million
Estimates

Balance Sheet Analysis

Fiscal Period: February 2020 2021 2022 2023 2024 2025 2026 2027
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 28% 17% 26% 26% - 27.2% 28.5% 28%
ROA (Net income/ Total Assets) 5.31% 3.06% 5.1% 5.25% - 5.69% 6.48% -
Assets 1 117,498 145,481 167,225 184,953 - 220,962 236,603 -
Book Value Per Share 2 221.0 259.0 309.0 338.0 - 435.0 497.0 587.0
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 14/04/20 13/04/21 12/04/22 18/04/23 23/04/24 - - -
1ZAR in Million2ZAR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Capitec Bank Holdings Limited

Trading Rating
Investor Rating
ESG Refinitiv
C+
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
10
Last Close Price
2,328 ZAR
Average target price
2,200 ZAR
Spread / Average Target
-5.47%
Consensus

EPS Revisions

Estimates Revisions

Quarterly revenue - Rate of surprise

Company calendar

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