Capitec Limited (JSE:CPI)
South Africa · Delayed Price · Currency is ZAR · Price in ZAc 419,456
+5,482 (1.32%)
Oct 9, 2026, 5:00 PM SAST
Capitec Financials Overview
Financials in millions ZAR. Fiscal year is March - February.
Millions ZAR. Fiscal year is Mar - Feb.
| Fiscal Year | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|
| Period Ending | Aug '26 Aug 31, 2026 | Feb '26 Feb 28, 2026 | Feb '25 Feb 28, 2025 | Feb '24 Feb 29, 2024 | Feb '23 Feb 28, 2023 | Feb '22 Feb 28, 2022 |
Revenue Revenue Growth | 45,070 | 42,424 | 35,797 | 27,295 | 23,415 | 23,366 |
Revenue Growth | 6.24% | 18.51% | 31.15% | 16.57% | 0.21% | 55.29% |
Net Income Net Income Growth | 18,362 | 16,829 | 13,738 | 10,561 | 9,147 | 8,523 |
Earnings Per Share EPS Growth | 158.45 | 145.43 | 118.78 | 91.37 | 79.11 | 73.60 |
EPS Growth | 8.95% | 22.44% | 30.00% | 15.50% | 7.49% | 91.27% |
| Fiscal Year | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|
| Period Ending | Aug '26 Aug 31, 2026 | Feb '26 Feb 28, 2026 | Feb '25 Feb 28, 2025 | Feb '24 Feb 29, 2024 | Feb '23 Feb 28, 2023 | Feb '22 Feb 28, 2022 |
Retail Banking Retail Banking Growth | 23,175 | 21,522 | 18,683 | 15,275 | 11,850 | 19,603 |
Business Banking Business Banking Growth | 2,062 | 1,710 | 1,397 | 1,061 | 991.44 | 1,405 |
Insurance Insurance Growth | 6,081 | 5,317 | 3,893 | 3,274 | 2,764 | 2,445 |
Avafin Avafin Growth | -203.95 | -111.95 | -24.25 | - | - | - |
Total Total Growth | 31,115 | 28,438 | 23,948 | 19,610 | 15,605 | 23,454 |
| Fiscal Year | Current | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|
| Period Ending | Aug '26 Aug 31, 2026 | Feb '26 Feb 28, 2026 | Feb '25 Feb 28, 2025 | Feb '24 Feb 29, 2024 | Feb '23 Feb 28, 2023 | Feb '22 Feb 28, 2022 |
Cash & Investments Cash & Investments Growth | 52,814 | 56,244 | 47,640 | 39,682 | 31,768 | 31,932 |
Total Debt Total Debt Growth | 3,520 | 3,829 | 5,294 | 5,425 | 4,768 | 4,519 |
Net Cash (Debt) Net Cash Growth | 49,294 | 52,415 | 42,346 | 34,257 | 27,001 | 27,413 |
Net Cash Growth | -5.95% | 23.78% | 23.61% | 26.88% | -1.50% | -39.85% |
Net Cash Per Share Net Cash Per Share Growth | 425.37 | 452.95 | 366.13 | 296.37 | 233.53 | 236.73 |
| Fiscal Year | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|
| Period Ending | Aug '26 Aug 31, 2026 | Feb '26 Feb 28, 2026 | Feb '25 Feb 28, 2025 | Feb '24 Feb 29, 2024 | Feb '23 Feb 28, 2023 | Feb '22 Feb 28, 2022 |
Operating Cash Flow Operating Cash Flow Growth | -526.17 | 3,179 | 5,009 | 8,388 | -6,999 | 201.46 |
Capital Expenditures CapEx Growth | -1,447 | -1,053 | -1,278 | -1,038 | -934.42 | -745.55 |
Free Cash Flow Free Cash Flow Growth | -1,973 | 2,126 | 3,730 | 7,350 | -7,934 | -544.09 |
Free Cash Flow Growth | - | -43.01% | -49.24% | - | - | - |
| Fiscal Year | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|
| Period Ending | Aug '26 Aug 31, 2026 | Feb '26 Feb 28, 2026 | Feb '25 Feb 28, 2025 | Feb '24 Feb 29, 2024 | Feb '23 Feb 28, 2023 | Feb '22 Feb 28, 2022 |
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% |
| Fiscal Year | Current | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|
| Period Ending | Oct '26 Oct 11, 2026 | Feb '26 Feb 28, 2026 | Feb '25 Feb 28, 2025 | Feb '24 Feb 29, 2024 | Feb '23 Feb 28, 2023 | Feb '22 Feb 28, 2022 |
Dividend Per Share Dividend Per Share Growth | 84.700 | 79.800 | 65.100 | 48.750 | 42.000 | 36.400 |
Dividend Per Share Growth | 20.23% | 22.58% | 33.54% | 16.07% | 15.38% | 127.50% |
Dividend Yield | 2.02% | 1.70% | 2.19% | 2.55% | 2.59% | 1.95% |
| Fiscal Year | Current | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|
| Period Ending | Oct '26 Oct 11, 2026 | Feb '26 Feb 28, 2026 | Feb '25 Feb 28, 2025 | Feb '24 Feb 29, 2024 | Feb '23 Feb 28, 2023 | Feb '22 Feb 28, 2022 |
PE Ratio | 26.47 | 32.65 | 25.92 | 22.12 | 22.27 | 28.14 |
Forward PE | 22.25 | 28.67 | 22.84 | 19.44 | 18.34 | 24.84 |
P/FCF Ratio | - | 258.44 | 95.44 | 31.79 | - | - |
PS Ratio | 10.78 | 12.95 | 9.95 | 8.56 | 8.70 | 10.27 |