Capitec Bank Holdings Limited (CKHGY) Stock

About Capitec Bank Holdings Limited

Capitec Bank Holdings Limited, along with its associated entities, delivers a comprehensive suite of banking and financial solutions to customers throughout South Africa. The company structures its operations into three primary divisions: Retail Banking, Business Banking, and Insurance. Its offerings encompass a full range of transactional accounts, diverse savings products such as fixed, tax-exempt, and on-demand deposits, alongside a variety of credit facilities including term loans, mortgages, overdrafts, and asset-backed finance through installment sales and leases. Capitec also provides credit and debit cards, rental finance, payment processing, and merchant services. Additionally, the bank extends credit and life insurance policies. Treasury activities involve foreign exchange transactions like spot and forward contracts. Customers can access services conveniently via internet and mobile banking platforms. The bank boasts a significant physical presence, managing approximately 853 branches and a network of 2,863 automated teller machines and cash recyclers. Established in 1999, Capitec Bank Holdings Limited is headquartered in Stellenbosch, South Africa.

Capitec Bank Holdings Limited is headquartered in ZA.

Capitec Bank Holdings Limited (CKHGY) stock trades at $128.95 with a market capitalization of $29.87B. The stock is valued at a price-to-earnings (P/E) ratio of 26.40, price-to-book of 7.75, price-to-sales of 6.05. Over the past 52 weeks the stock has ranged between $106.17 and $156.77, and currently trades 17.7% below its 52-week high. It pays a dividend yielding 1.90%.

On profitability, Capitec Bank Holdings Limited generates a return on equity (ROE) of 30.12%, above the typical market range of roughly 12-15%, return on capital employed of 8.96%, an operating margin of 30.30%, a net profit margin of 22.87%.

In its most recent fiscal year, Capitec Bank Holdings Limited reported annual revenue of $61.3B, net profit of $16.8B. Over the last 5 fiscal years, revenue grew at an average annual rate of 99.9%, and net profit grew at an average annual rate of 128.5%. Over that span net profit grew faster than revenue, so net margin widened.

The balance sheet shows a debt-to-equity ratio of 0.05 (debt below half of shareholders' equity), a current ratio of 0.15, total assets of $263.3B, $29.6B in cash and equivalents. For banks and other lenders, borrowing and deposits are part of the business model, so debt-to-equity and the current ratio read differently than for other companies.

CKHGY has an average daily trading volume of 1,875 shares, a beta of 0.74 (historically less volatile than the overall market).

Official website: www.capitecbank.co.za