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Capitec Limited (JSE:CPI)
South Africa flag South Africa · Delayed Price · Currency is ZAR · Price in ZAc
419,456
+5,482 (1.32%)
Oct 9, 2026, 5:00 PM SAST

Capitec Cash Flow Statement

Millions ZAR. Fiscal year is Mar - Feb.

Operating Activities

Fiscal Year
TTMFY 2026FY 2025FY 2024FY 2023FY 2022
Period Ending
Aug '26 Feb '26 Feb '25 Feb '24 Feb '23 Feb '22
Net Income
18,36616,83313,74210,5679,1518,527
Depreciation & Amortization
1,3951,3931,2651,2291,0241,015
Other Amortization
190.15190.15185.2138.86126.91209.43
Gain (Loss) on Sale of Assets
7.017.0138.9122.297.0729.14
Gain (Loss) on Sale of Investments
13.6613.66-27.25---
Total Asset Writedown
-----21.09
Provision for Credit Losses
13,89113,89111,98012,1078,7115,946
Change in Trading Asset Securities
-3,332-3,332-762.62-247.66-240-
Change in Accounts Payable
19.1819.182,9521,488-821.951,750
Change in Other Net Operating Assets
-23,500-23,500-20,633-13,339-21,490-16,440
Other Operating Activities
-7,588-2,348-3,818-3,637-3,633-1,426
Operating Cash Flow
-526.173,1795,0098,388-6,999201.46
Operating Cash Flow Growth
--36.54%-40.28%---98.05%

Investing Activities

Fiscal Year
TTMFY 2026FY 2025FY 2024FY 2023FY 2022
Period Ending
Aug '26 Feb '26 Feb '25 Feb '24 Feb '23 Feb '22
Capital Expenditures
-1,447-1,053-1,278-1,038-934.42-745.55
Sale of Property, Plant and Equipment
33.4128.4139.4529.8216.8310.81
Cash Acquisitions
---99.5---
Investment in Securities
-12,698-3,008-5,554-10,443-375.79-24,624
Purchase / Sale of Intangibles
-97.1-83.1-94.57-119.27-228.84-116.99
Other Investing Activities
-----198.29
Investing Cash Flow
-14,209-4,116-6,987-11,570-1,522-25,278

Financing Activities

Fiscal Year
TTMFY 2026FY 2025FY 2024FY 2023FY 2022
Period Ending
Aug '26 Feb '26 Feb '25 Feb '24 Feb '23 Feb '22
Long-Term Debt Issued
---750750750
Long-Term Debt Repaid
--1,239-1,691-406.56-370.3-1,320
Lease Payments
-497.08-489.08-441.21-406.56-370.3-320.12
Net Debt Issued (Repaid)
-1,247-1,239-1,691343.44379.7-570.12
Issuance of Common Stock
14.628.624.1610.1434.1520.77
Repurchase of Common Stock
-407.15-244.15-174.08-110.93-231.83-17.45
Preferred Share Repurchases
-1.18-0.18-1.59-6.36-2.54-5.18
Total Dividends Paid
-9,249-8,166-6,304-5,023-6,189-3,238
Net Increase (Decrease) in Deposit Accounts
15,75415,75419,8968,72911,25413,814
Financing Cash Flow
4,8656,11411,7293,9425,24410,004

Net Cash Flow

Fiscal Year
TTMFY 2026FY 2025FY 2024FY 2023FY 2022
Period Ending
Aug '26 Feb '26 Feb '25 Feb '24 Feb '23 Feb '22
Foreign Exchange Rate Adjustments
-86.92-74.92-48.7781.5152.22.77
Net Cash Flow
-9,9575,1029,703841.31-3,225-15,069

Free Cash Flow

Fiscal Year
TTMFY 2026FY 2025FY 2024FY 2023FY 2022
Period Ending
Aug '26 Feb '26 Feb '25 Feb '24 Feb '23 Feb '22
Free Cash Flow
-1,9732,1263,7307,350-7,934-544.09
Free Cash Flow Growth
--43.01%-49.24%---
Free Cash Flow Margin
-4.38%5.01%10.42%26.93%-33.88%-2.33%
Free Cash Flow Per Share
-17.0318.3732.2563.59-68.62-4.70
Free Cash Flow After Leases
-2,4701,6373,2896,943-8,304-864.21

Additional Metrics

Fiscal Year
TTMFY 2026FY 2025FY 2024FY 2023FY 2022
Period Ending
Aug '26 Feb '26 Feb '25 Feb '24 Feb '23 Feb '22
Cash Interest Paid
9,2269,21710,0449,3016,9584,853
Cash Income Tax Paid
6,2275,6614,4562,7132,5462,845