Capitec Bank is a South African financial institution offering retail and business banking services, including transactional accounts, savings, loans, and insurance products. It also provides treasury, trade finance, and value-added services through its subsidiaries.
Sector: Banks
ZA_CPI
Shares: connector/market_inputs
Monetary columns are in B ZAR, one decimal; scale (K/M/B/T) keeps values readable. For the period (default) shows P&L and cash flow for that row’s reporting window: quarterly amounts when the feed uses quarter-duration facts (typical US 10-Q revenue and income), quarterly cash flows after stripping YTD where only cumulative tags exist, and an implied Q4 on 31 Dec FY rows (P&L: FY minus Q1–Q3; operating / investing cash flow: FY 12m minus 9M YTD to 30 Sep when sourced from SEC builder evidence) so they match 10-Q scale. Some issuers still use cumulative YTD minus the prior row in the same calendar year. As reported shows values stored on each row (e.g. full-year on FY). Balance sheet is always as reported. Source JSON may use millions etc.; conversion uses amounts_unit per row.
| Date | Period | Status | Net interest incomeB ZAR | Net profitB ZAR | AssetsB ZAR | EquityB ZAR | ROE (annualized) | Source |
|---|---|---|---|---|---|---|---|---|
| 2026-08-31 | H1 2027 (6M) | OK | 23.1 y/y 94.8% | 9.5 y/y 19.2% | 271.6 y/y 8.4% | 62.5 y/y 16.3% | 31.2% | Link |
| 2026-02-28 | FY 2026 (12M) | OK | 52.1 y/y 158.1% | 16.8 y/y 22.5% | 263.3 y/y 10.4% | 59.5 y/y 17.0% | 29.7% | Link |
| 2025-08-31 | H1 2026 (6M) | OK | 11.9 y/y 22.8% | 8.0 y/y 24.4% | 250.6 y/y 12.5% | 53.7 y/y 17.1% | 30.6% | Report (PDF) |
| 2025-02-28 | FY 2025 (12M) | OK | 20.2 y/y -44.0% | 13.7 y/y 30.0% | 238.5 y/y 14.9% | 50.8 y/y 16.8% | 28.4% | Report (PDF) |
| 2024-08-31 | H1 2025 (6M) | OK | 9.7 y/y -22.6% | 6.4 y/y 36.8% | 222.7 y/y 11.1% | 45.9 y/y 16.6% | 28.7% | Report (PDF) |
| 2024-02-29 | FY 2024 (12M) | OK | 36.0 y/y 21.1% | 10.6 y/y 15.5% | 207.6 y/y 8.9% | 43.5 y/y 14.8% | 25.5% | Link |
| 2023-08-31 | H1 2024 (6M) | OK | 12.5 y/y — | 4.7 y/y — | 200.5 y/y — | 39.4 y/y — | 24.3% | Link |
| 2023-02-28 | FY 2023 (12M) | OK | 29.8 y/y — | 9.2 y/y — | 190.6 y/y — | 37.9 y/y — | — | Link |
Our earnings breakdowns and investment notes on this issuer.
Group: Banks. Each peer is shown as it trades and re-priced onto this company's market (South Africa) by the ratio of our coverage medians.
| Company | Market | Cap, $bn | P/E | P/E, adjusted |
|---|---|---|---|---|
| State Bank of India | India | 91.4 | 10.2x | 4.0x |
| Emirates NBD | UAE | 53.0 | 8.0x | 5.6x |
| Bradesco | Brazil | 39.0 | 8.3x | 6.0x |
| HDFC Bank | India | 115.4 | 15.8x | 6.2x |
| ICICI Bank | India | 97.7 | 16.8x | 6.6x |
| First Abu Dhabi Bank | UAE | 58.2 | 10.1x | 7.0x |
| Shinhan Financial Group | Korea | 36.1 | 8.9x | 7.1x |
| KB Financial Group | Korea | 43.9 | 9.4x | 7.5x |
| Bank Central Asia | Indonesia | 41.7 | 12.9x | 18.2x |
| Royal Bank of Canada | Canada | 271.6 | 19.0x | — |
| Mitsubishi UFJ Financial Group | Japan | 253.0 | 14.8x | — |
| Bank of Nova Scotia | Canada | 112.5 | 20.6x | — |
| Group median | 11.6x | 6.6x | ||
| Group average | 12.9x | 7.6x | ||
| This company | South Africa | 30.3 | 30.1x | 30.1x |
Group median 11.6x as traded, 6.6x adjusted; this company 30.1x — a 359% premium.
Group average 12.9x as traded, 7.6x adjusted; against the average this company is at a 298% premium.
At the adjusted group median the market cap would be -78% versus today.
The gap and the implied upside are measured against the median: one richly priced peer moves an average, not a median. The market adjustment uses our coverage medians (US 29.3x, Russia 5.8x, South Africa 10.7x, Kazakhstan 9.4x, India 27.4x, Indonesia 7.6x); it is about where a name is listed, not what it does. Peer multiples come from the nightly rebuild of 2026-10-04; the company's own is live.
| Date | Per share | Details | Status | Source |
|---|---|---|---|---|
| 2026-05-13 | 5 360 ZAR | Ex-dividend: 5 360 ZAR per share | Paid | Yahoo Finance (ex-div) |
| 2025-10-22 | 2 620 ZAR | Ex-dividend: 2 620 ZAR per share | Paid | Yahoo Finance (ex-div) |
| 2025-05-14 | 4 425 ZAR | Ex-dividend: 4 425 ZAR per share | Paid | Yahoo Finance (ex-div) |
| 2024-10-16 | 2 085 ZAR | Ex-dividend: 2 085 ZAR per share | Paid | Yahoo Finance (ex-div) |
| 2024-05-15 | 3 345 ZAR | Ex-dividend: 3 345 ZAR per share | Paid | Yahoo Finance (ex-div) |
| 2023-10-18 | 1 530 ZAR | Ex-dividend: 1 530 ZAR per share | Paid | Yahoo Finance (ex-div) |
| 2023-05-10 | 2 800 ZAR | Ex-dividend: 2 800 ZAR per share | Paid | Yahoo Finance (ex-div) |
| 2022-10-19 | 1 400 ZAR | Ex-dividend: 1 400 ZAR per share | Paid | Yahoo Finance (ex-div) |
| 2022-05-04 | 3 940.0002 ZAR | Ex-dividend: 3 940.0002 ZAR per share | Paid | Yahoo Finance (ex-div) |
| 2021-10-20 | 1 200 ZAR | Ex-dividend: 1 200 ZAR per share | Paid | Yahoo Finance (ex-div) |
KASE: status follows wording in the news headline (paid vs intends to pay). Yahoo: amounts are cash dividends per share on ex-dividend dates (UTC calendar date). stockscope.uz (UZ): amounts are per share in UZS by publication date (not necessarily ex-div).
Investor reporting (IR): https://www.capitecbank.co.za/investor-relations/
Reporting forms detected in loaded periods: ✓ ✓ ✓ (Balance sheet / Profit or loss (P&L) / Cash flows)
Financial results, valuation multiples (P/E, P/B), profitability and dividend yield of Capitec Bank (CPI) — from primary filings.
See also: South African Stocks (2026): Gold, Cheap Banks and the JSE Discount · The Cheapest Bank Stocks in the World (2026): Where Global Banks Trade Below Book · The Cheapest Stocks in the World (2026): What Value Investing Says About Buying Cheap · global valuation map