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Capitec Limited (JSE:CPI)
South Africa flag South Africa · Delayed Price · Currency is ZAR · Price in ZAc
461,050
-6,308 (-1.35%)
Oct 30, 2026, 5:04 PM SAST

Capitec Financials Overview

Millions ZAR. Fiscal year is Mar - Feb.

Revenue & Profits
Chart
Fiscal Year
TTMFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingAug '26 Feb '26 Feb '25 Feb '24 Feb '23 Feb '22
Revenue
45,07042,42435,79727,29523,41523,366
Revenue Growth
6.24%18.51%31.15%16.57%0.21%55.29%
Net Income
18,36216,82913,73810,5619,1478,523
Earnings Per Share
158.45145.43118.7891.3779.1173.60
EPS Growth
8.95%22.44%30.00%15.50%7.49%91.27%

Revenue by Segment
Chart
Fiscal Year
TTMFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingAug '26 Feb '26 Feb '25 Feb '24 Feb '23 Feb '22
Retail Banking
23,17521,52218,68315,27511,85019,603
Business Banking
2,0621,7101,3971,061991.441,405
Insurance
6,0815,3173,8933,2742,7642,445
Avafin
-203.95-111.95-24.25---
Total
31,11528,43823,94819,61015,60523,454

Cash & Debt
Chart
Fiscal Year
CurrentFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingAug '26 Feb '26 Feb '25 Feb '24 Feb '23 Feb '22
Cash & Investments
52,81456,24447,64039,68231,76831,932
Total Debt
3,5203,8295,2945,4254,7684,519
Net Cash (Debt)
49,29452,41542,34634,25727,00127,413
Net Cash Growth
-5.95%23.78%23.61%26.88%-1.50%-39.85%
Net Cash Per Share
425.37452.95366.13296.37233.53236.73

Cash Flow & CapEx
Chart
Fiscal Year
TTMFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingAug '26 Feb '26 Feb '25 Feb '24 Feb '23 Feb '22
Operating Cash Flow
-526.173,1795,0098,388-6,999201.46
Capital Expenditures
-1,447-1,053-1,278-1,038-934.42-745.55
Free Cash Flow
-1,9732,1263,7307,350-7,934-544.09
Free Cash Flow Growth
--43.01%-49.24%---

Margins
Chart
Fiscal Year
TTMFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingAug '26 Feb '26 Feb '25 Feb '24 Feb '23 Feb '22
Profit Margin
40.74%39.67%38.38%38.69%39.06%36.48%
FCF Margin
-4.38%5.01%10.42%26.93%-33.88%-2.33%

Dividends
Chart
Fiscal Year
CurrentFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingOct '26 Feb '26 Feb '25 Feb '24 Feb '23 Feb '22
Dividend Per Share
84.70079.80065.10048.75042.00036.400
Dividend Per Share Growth
20.23%22.58%33.54%16.07%15.38%127.50%
Dividend Yield
1.84%1.68%2.12%2.42%2.39%1.76%

Valuation
Chart
Fiscal Year
CurrentFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingOct '26 Feb '26 Feb '25 Feb '24 Feb '23 Feb '22
PE Ratio
29.1032.6525.9222.1222.2728.14
Forward PE
24.4028.6722.8419.4418.3424.84
P/FCF Ratio
-258.4495.4431.79--
PS Ratio
11.8512.959.958.568.7010.27