Capitec Bank Holdings Limited (JSE:CPI)

Capitec Bank Holdings Income Statement

Financials in millions ZAR. Fiscal year is March - February.

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Feb 28, 2026	Feb 28, 2025	Feb 29, 2024	Feb 28, 2023	Feb 28, 2022
Interest Income on Loans	32,064	29,368	25,118	20,783	17,454
Interest Income on Investments	1,257	860.6	687.53	415.92	-
Total Interest Income	33,321	30,228	25,806	21,199	17,454
Interest Paid on Deposits	9,230	10,043	9,342	6,993	4,838
Net Interest Income	24,091	20,186	16,464	14,207	12,616
Net Interest Income Growth (YoY)	19.35%	22.61%	15.89%	12.60%	9.14%
Gain (Loss) on Sale of Assets	-7.01	-38.91	-22.29	-7.07	-87.09
Gain (Loss) on Sale of Investments	-13.66	27.25	-	-	-
Other Non-Interest Income	28,330	23,882	19,579	15,545	14,345
Total Non-Interest Income	28,309	23,870	19,557	15,538	14,258
Non-Interest Income Growth (YoY)	18.60%	22.06%	25.86%	8.98%	26.04%
Revenues Before Loan Losses	52,400	44,056	36,021	29,745	26,874
Provision for Loan Losses	9,976	8,258	8,725	6,329	3,508
Revenue	42,424	35,797	27,295	23,415	23,366
Revenue Growth (YoY)	18.51%	31.15%	16.57%	0.21%	55.29%
Salaries and Employee Benefits	10,510	9,666	7,177	6,228	7,418
Occupancy Expenses	1,684	1,490	1,214	1,010	1,001
Amortization of Goodwill & Intangibles	190.15	222.73	152.92	140.97	223.5
Selling, General & Administrative	6,567	5,460	3,070	2,543	1,988
Other Non-Interest Expense	1,280	1,222	2,304	1,948	1,838
Total Non-Interest Expense	20,244	18,058	13,847	11,772	12,432
EBT Excluding Unusual Items	22,179	17,740	13,448	11,643	10,935
Pretax Income	22,179	17,740	13,448	11,643	10,935
Income Tax Expense	5,342	3,991	2,881	2,492	2,408
Earnings From Continuing Operations	16,837	13,749	10,567	9,151	8,527
Minority Interest in Earnings	-3.83	-6.87	-	-	-
Net Income	16,833	13,742	10,567	9,151	8,527
Preferred Dividends & Other Adjustments	4.11	4.66	5.46	4.48	3.92
Net Income to Common	16,829	13,738	10,561	9,147	8,523
Net Income Growth	22.49%	30.05%	15.47%	7.32%	91.27%
Basic Shares Outstanding	115	115	115	115	116
Diluted Shares Outstanding	116	116	116	116	116
Shares Change (YoY)	0.05%	0.06%	-0.02%	-0.16%	0.09%
EPS (Basic)	145.90	119.11	91.56	79.33	73.71
EPS (Diluted)	145.43	118.78	91.37	79.11	73.60
EPS Growth	22.44%	30.00%	15.50%	7.49%	91.27%
Dividend Per Share	79.800	65.100	48.750	42.000	36.400
Dividend Growth	22.58%	33.54%	16.07%	15.38%	127.50%
Effective Tax Rate	24.09%	22.50%	21.42%	21.40%	22.02%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.