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 Balance Sheet
Financials in millions ZAR. Fiscal year is March - February.
Millions ZAR. Fiscal year is Mar - Feb.
Assets
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 |
Cash & Equivalents | 39,209 | 16,950 | 17,306 | 11,288 | 17,964 | 22,752 |
Investment Securities | 95,530 | 113,493 | 105,651 | 96,726 | 75,190 | 72,572 |
Trading Asset Securities | 5,179 | 4,958 | 1,387 | 587.58 | 322.61 | 14.59 |
Total Investments | 100,709 | 118,451 | 107,038 | 97,314 | 75,513 | 72,586 |
Gross Loans | 138,353 | 135,079 | 118,582 | 103,275 | 98,090 | 84,401 |
Allowance for Loan Losses | -29,073 | -28,021 | -26,386 | -22,439 | -19,647 | -17,559 |
Other Adjustments to Gross Loans | - | -376.26 | -325.62 | -284.29 | -275.99 | -292.81 |
Net Loans | 109,280 | 106,681 | 91,870 | 80,552 | 78,168 | 66,549 |
Property, Plant & Equipment | 6,327 | 5,818 | 5,806 | 5,368 | 5,113 | 4,931 |
Goodwill | - | 1,078 | 1,091 | 849.49 | 849.49 | 849.49 |
Other Intangible Assets | 1,458 | 417.15 | 538.01 | 552.49 | 586.14 | 498.52 |
Accrued Interest Receivable | - | 219.65 | 254.81 | 312.38 | 186.5 | - |
Other Receivables | 7,427 | 3,059 | 2,600 | 1,909 | 1,405 | 2,204 |
Restricted Cash | - | 4,136 | 3,857 | 3,554 | 3,197 | 3,044 |
Other Current Assets | 2,121 | 595.85 | 445.37 | 350.41 | 3,252 | 1,759 |
Long-Term Deferred Tax Assets | 3,722 | 3,847 | 3,353 | 2,569 | 2,432 | 2,769 |
Other Long-Term Assets | 1,373 | 2,030 | 4,305 | 2,961 | 1,971 | - |
Total Assets | 271,626 | 263,284 | 238,464 | 207,579 | 190,636 | 177,943 |
Liabilities
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 |
Accounts Payable | - | 5,254 | 5,684 | 3,299 | 2,316 | 2,210 |
Accrued Expenses | - | 3,280 | 2,822 | 1,662 | 1,118 | 2,166 |
Interest Bearing Deposits | 196,869 | 189,173 | 172,635 | 152,994 | 144,059 | 132,398 |
Total Deposits | 196,869 | 189,173 | 172,635 | 152,994 | 144,059 | 132,398 |
Short-Term Borrowings | 102 | 190.04 | 21.14 | 20.6 | 23.68 | 33.85 |
Current Portion of Long-Term Debt | - | 1,217 | 1,754 | 1,372 | 121.1 | 243.2 |
Current Portion of Leases | - | 381.17 | 337.14 | 349.25 | 271.13 | 303.56 |
Current Income Taxes Payable | 109 | 328.94 | 377.12 | 251.98 | - | 301.95 |
Other Current Liabilities | - | 4.6 | 1.28 | 3.02 | 10.12 | 8.26 |
Long-Term Debt | 1,200 | 185 | 1,152 | 1,649 | 2,318 | 1,817 |
Long-Term Leases | 2,218 | 1,856 | 2,030 | 2,034 | 2,034 | 2,121 |
Pension & Post-Retirement Benefits | 11 | 10.46 | 10.71 | 11.59 | 11.24 | 14.91 |
Long-Term Deferred Tax Liabilities | 264 | 277.46 | 88.43 | - | - | - |
Other Long-Term Liabilities | 8,388 | 1,613 | 637.36 | 401.51 | 433.86 | 558.46 |
Total Liabilities | 209,161 | 203,771 | 187,550 | 164,048 | 152,716 | 142,177 |
Shareholders' Equity
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 |
Preferred Stock, Non-Redeemable | 41 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Preferred Stock, Other | - | 41.7 | 41.84 | 43.26 | 48.92 | 51.16 |
Total Preferred Equity | 41 | 41.7 | 41.85 | 43.26 | 48.92 | 51.17 |
Common Stock | 5,450 | 1.16 | 1.16 | 1.16 | 1.16 | 1.16 |
Additional Paid-In Capital | - | 5,648 | 5,648 | 5,648 | 5,648 | 5,648 |
Retained Earnings | 56,591 | 53,531 | 44,891 | 37,424 | 31,896 | 29,559 |
Treasury Stock | - | -163.62 | -173.67 | -192.48 | -242.91 | - |
Comprehensive Income & Other | 347 | 421.23 | 474.21 | 606.97 | 569.59 | 506.22 |
Total Common Equity | 62,388 | 59,437 | 50,841 | 43,487 | 37,871 | 35,715 |
Minority Interest | 36 | 33.99 | 30.93 | - | - | - |
Shareholders' Equity | 62,465 | 59,513 | 50,913 | 43,531 | 37,920 | 35,766 |
Total Liabilities & Equity | 271,626 | 263,284 | 238,464 | 207,579 | 190,636 | 177,943 |
Additional Metrics
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 |
Total Debt | 3,520 | 3,829 | 5,294 | 5,425 | 4,768 | 4,519 |
Net Cash (Debt) | 49,294 | 52,415 | 42,346 | 34,257 | 27,001 | 27,413 |
Net Cash Growth | -1.98% | 23.78% | 23.61% | 26.88% | -1.50% | -39.85% |
Net Cash Per Share | 425.37 | 452.95 | 366.13 | 296.37 | 233.53 | 236.73 |
Filing Date Shares Outstanding | 115.37 | 115.84 | 115.82 | 115.81 | 115.79 | 116.1 |
Total Common Shares Outstanding | 115.37 | 115.84 | 115.82 | 115.81 | 115.79 | 116.1 |
Book Value Per Share | 540.78 | 513.10 | 438.95 | 375.51 | 327.08 | 307.62 |
Tangible Book Value | 60,930 | 57,942 | 49,212 | 42,085 | 36,436 | 34,367 |
Tangible Book Value Per Share | 528.15 | 500.19 | 424.89 | 363.41 | 314.68 | 296.01 |