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Capitec Bank (CPI) ZAR

At a glance: strengths & risks
Revenue growing (+19%)Profit growing (+22%)Strong ROE (28%)Book value growing (+17%)

Sector: Banks

ZA_CPI

Price chart

4 699.27 ZARDay 0.58%

Key metrics

Market

Price
4 699.27 ZAR · 0.58%
Market cap
544.4 bn ZAR

Growth

Δ NII y/y
Δ net profit y/y
20.8%

Multiples

P/E (LTM)
32.3x
P/B (FY)
9.2x
P/E (ann.)
30.8x

Returns

Dividend yield
1.7%
ROE (annualized)
29.7%
ROI (ROE ÷ P/B)
3.2%

Value creation

annualized net income / market cap (return on equity value)
Banking potential

Liquidity

Daily turnover (listing)
436.4 mln ZAR

Shares: yahoo_fundamentals_timeseries/CPI.JO

Amounts: USD (converted) · As reported
Converted modes use NBK / ECB-linked rates: balance sheet date for BS items, period average for P&L and cash flow (see filing row evidence). As reported keeps each row in its filing currency.

Financial results

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.

DatePeriodStatusNet interest incomeB ZARNet profitB ZARAssetsB ZAREquityB ZARROE (annualized)Source
2026-02-28FY 2026 (12M)OK52.1
y/y 19.0%
16.8
y/y 22.5%
263.3
y/y 10.4%
59.5
y/y 16.9%
29.7%Link
2025-08-31H1 2026 (6M)OK20.4
y/y 20.9%
8.0
y/y 24.4%
250.6
y/y 12.5%
53.8
y/y 17.1%
30.5%Link
2025-02-28FY 2025 (12M)OK43.8
y/y 21.4%
13.7
y/y 30.0%
238.5
y/y 14.9%
50.9
y/y 16.9%
28.4%Link
2024-08-31H1 2025 (6M)OK16.9
y/y 35.6%
6.4
y/y 36.8%
222.7
y/y 11.1%
46.0
y/y 16.8%
28.7%Link
2024-02-29FY 2024 (12M)OK36.0
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
2023-08-31H1 2024 (6M)OK12.5
y/y
4.7
y/y
200.5
y/y
39.4
y/y
24.3%Link
2023-02-28FY 2023 (12M)OK29.8
y/y
9.2
y/y
190.6
y/y
37.9
y/y
Link

Dividends

Paid (completed)

DatePer shareDetailsStatusSource
2026-05-135 360 ZAREx-dividend: 5 360 ZAR per sharePaidYahoo Finance (ex-div)
2025-10-222 620 ZAREx-dividend: 2 620 ZAR per sharePaidYahoo Finance (ex-div)
2025-05-144 425 ZAREx-dividend: 4 425 ZAR per sharePaidYahoo Finance (ex-div)
2024-10-162 085 ZAREx-dividend: 2 085 ZAR per sharePaidYahoo Finance (ex-div)
2024-05-153 345 ZAREx-dividend: 3 345 ZAR per sharePaidYahoo Finance (ex-div)
2023-10-181 530 ZAREx-dividend: 1 530 ZAR per sharePaidYahoo Finance (ex-div)
2023-05-102 800 ZAREx-dividend: 2 800 ZAR per sharePaidYahoo Finance (ex-div)
2022-10-191 400 ZAREx-dividend: 1 400 ZAR per sharePaidYahoo Finance (ex-div)
2022-05-043 940.0002 ZAREx-dividend: 3 940.0002 ZAR per sharePaidYahoo Finance (ex-div)
2021-10-201 200 ZAREx-dividend: 1 200 ZAR per sharePaidYahoo 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, EV/EBITDA), profitability and dividend yield of Capitec Bank (CPI) — from primary filings.

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.

Frequently asked questions

What is Capitec Bank (CPI)'s P/E ratio?
Capitec Bank (CPI) trades at a P/E of 32.3x (price to trailing 12-month earnings).
What is Capitec Bank (CPI)'s P/B ratio?
Capitec Bank (CPI) trades at a P/B of 9.2x.
What is Capitec Bank (CPI)'s dividend yield?
Capitec Bank (CPI)'s trailing 12-month dividend yield is 1.7%.
What is Capitec Bank (CPI)'s return on equity (ROE)?
Capitec Bank (CPI)'s ROE is 29.7%.
What is Capitec Bank (CPI)'s market capitalization?
Capitec Bank (CPI)'s market cap is 544.4 bn ZAR.

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