Capitec Bank Holdings Cash Flow Statement

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

Millions ZAR. Fiscal year is Mar - Feb.

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	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
Net Income	16,833	13,742	10,567	9,151	8,527
Depreciation & Amortization	1,393	1,265	1,229	1,024	1,015
Other Amortization	190.15	185.2	138.86	126.91	209.43
Gain (Loss) on Sale of Assets	7.01	38.91	22.29	7.07	29.14
Gain (Loss) on Sale of Investments	13.66	-27.25	-	-	-
Total Asset Writedown	-	-	-	-	21.09
Provision for Credit Losses	13,891	11,980	12,107	8,711	5,946
Change in Trading Asset Securities	-3,332	-762.62	-247.66	-240	-
Change in Accounts Payable	19.18	2,952	1,488	-821.95	1,750
Change in Other Net Operating Assets	-23,500	-20,633	-13,339	-21,490	-16,440
Other Operating Activities	-2,348	-3,818	-3,637	-3,633	-1,426
Operating Cash Flow	3,179	5,009	8,388	-6,999	201.46
Operating Cash Flow Growth	-36.54%	-40.28%	-	-	-98.05%
Capital Expenditures	-1,053	-1,278	-1,038	-934.42	-745.55
Sale of Property, Plant and Equipment	28.41	39.45	29.82	16.83	10.81
Cash Acquisitions	-	-99.5	-	-	-
Investment in Securities	-3,008	-5,554	-10,443	-375.79	-24,624
Purchase / Sale of Intangibles	-83.1	-94.57	-119.27	-228.84	-116.99
Other Investing Activities	-	-	-	-	198.29
Investing Cash Flow	-4,116	-6,987	-11,570	-1,522	-25,278
Long-Term Debt Issued	-	-	750	750	750
Long-Term Debt Repaid	-1,239	-1,691	-406.56	-370.3	-1,320
Net Debt Issued (Repaid)	-1,239	-1,691	343.44	379.7	-570.12
Issuance of Common Stock	8.62	4.16	10.14	34.15	20.77
Repurchase of Common Stock	-244.15	-174.08	-110.93	-231.83	-17.45
Preferred Share Repurchases	-0.18	-1.59	-6.36	-2.54	-5.18
Total Dividends Paid	-8,166	-6,304	-5,023	-6,189	-3,238
Net Increase (Decrease) in Deposit Accounts	15,754	19,896	8,729	11,254	13,814
Financing Cash Flow	6,114	11,729	3,942	5,244	10,004
Foreign Exchange Rate Adjustments	-74.92	-48.77	81.51	52.2	2.77
Net Cash Flow	5,102	9,703	841.31	-3,225	-15,069
Free Cash Flow	2,126	3,730	7,350	-7,934	-544.09
Free Cash Flow Growth	-43.01%	-49.24%	-	-	-
Free Cash Flow Margin	5.01%	10.42%	26.93%	-33.88%	-2.33%
Free Cash Flow Per Share	18.37	32.25	63.59	-68.62	-4.70
Cash Interest Paid	9,217	10,044	9,301	6,958	4,853
Cash Income Tax Paid	5,661	4,456	2,713	2,546	2,845

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