Capitec Limited (CPIJ)

Currency in ZAR
418,800
-15,755(-3.63%)
Closed·
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Fair Value
Day's Range
418,529437,089
52 wk Range
340,477491,185
Key Statistics
Bid/Ask
418,000.00 / 443,100.00
Prev. Close
418,800
Open
428,869
Day's Range
418,529-437,089
52 wk Range
340,477-491,185
Volume
466.05K
Average Volume (3m)
206.92K
1-Year Change
18.5982%
Fair Value
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Fair Value Upside
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CPIJ Scorecardpro icon
Company’s Health
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Fair Value
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Fair Price
Upside
Price Target
525,093
Upside
+25.38%
Members' Sentiments
Bearish
Bullish
ProTips
Trading at a high P/E ratio relative to near-term earnings growth

Capitec Limited News & Analysis

Technical Analysis

Summary
Strong Sell
Sell
Neutral
Buy
Strong Buy
Strong Sell
Technical Indicators
Strong Sell
Moving Averages
Strong Sell

Analyst Ratings

8 Buy
1 Hold
2 Sell
Ratings:
11 analysts
Overall Consensus
Buy

Analysts 12-Month Price Target:

Average 525,093
(+25.38% Upside)
Firm
ArticlePositionPrice TargetUpside / DownsideFrom Price TargetActionDate
JPMorgan
Buy540.00-87.11%454.00Upgrade12-01-2026

Capitec Limited Earnings Call Summary for H1/2027

  • Capitec Bank reported H1 2026 headline earnings rose 19% to ZAR 9.5B, driven by growth across lending, payments, insurance and business banking.
  • Non-interest income climbed 21% to ZAR 16.1B, now comprising 70% of operating income, while operating expenses increased just 5% showing cost discipline.
  • Credit loss ratio rose to 8.4% from 7.9%; management attributed increase to proactive provisioning and product mix shifts, not deteriorating credit quality.
  • Client base expanded 7% to 26.6M; Capitec Connect telecom clients surged 64% to 1.8M while business banking profit jumped 52% year-over-year.
  • Management expects continued loan growth at slower pace due to macro headwinds, with mid-single-digit expense growth near-term before moderating over time.
Last Updated: 30-09-2026, 12:46 pm
Read Full Transcript

Earnings

Latest Release
22-04-2026
EPS / Forecast
76.32 / 7,958.00
Revenue / Forecast
16.8B / --
EPS Revisions
Last 90 days

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 158.45%
Dividend Yield
1.84%
Industry Median 4.47%
Annualised payout
7,980.00
Paid unevenly
5-Years Growth
+37.90%
Growth Streak

CPIJ Income Statement

Compare CPIJ to Peers and Sector

Metrics to compare
CPIJ
Peers
Sector
Relationship
P/E Ratio
27.4x12.5x9.3x
PEG Ratio
1.390.600.03
Price/Book
8.1x1.6x1.0x
Price / LTM Sales
11.2x2.6x2.9x
Upside (Analyst Target)
20.8%17.1%20.0%
Fair Value Upside
Unlock8.1%3.3%Unlock

Capitec Limited through its subsidiaries, provides various banking products and services in South Africa. The company operates through three segments: Personal banking, Business banking, and Insurance. It offers transactional banking services; flexible, notice, fixed, and tax-free savings; call and notice deposits; term, home, personal, vehicle, education, home improvement, business, term, medical, instalment, short-term, and mortgage loans; overdrafts, instalment sales and leases, credit and debit cards, and access facilities; and payment, merchant, forex, franchising, and value-added services. The company also provides treasury products comprising foreign exchange spot trades and foreign exchange forward contracts; insurance products, such as general, fleet, agricultural, engineering, motor traders, hospitality, contractors all risk, life, and credit insurance, as well as funeral cover insurance; and trade finance products, including letters of credit, trade guarantees, bills of collection, exchange control, and society for worldwide interbank financial telecommunication, as well as app and online banking. In addition, it offers vehicle and asset finance, property finance, rental finance, credit line products, and card machines. Capitec Limited was formerly known as Capitec Bank Holdings Limited and changed its name to Capitec Limited in August 2026. The company was incorporated in 1999 and is based in Stellenbosch, South Africa.

Sector
Financial
Employees
17741

Ownership

Ownership Overview

Type
Common Stock Held% of Shares OutstandingMarket Value
Mutual Funds & ETFs
27.85M24.04%121.04B
Other Institutional Investors
56.33M48.63%244.77B
Public Companies & Retail Investors
31.66M27.33%137.58B
Total
115.84M100.00%503.39B

Top Holders

Holder
% of holding
Shares Held
Date Reported
Value (In 1,000s)
Public Investment Corporation Limited15.59%1,80,63,1417,84,94,282
South Africa Government Employee Pension Fund15.59%1,80,63,1417,84,94,282

FAQ

What Is the Capitec (CPIJ) Share Price Today?

The Capitec share price today is 4,18,800.

What is the current Capitec (CPIJ) share price and day range?

As of 01-10-2026, the Capitec share price is 4,18,800, with a previous close of 4,18,800. The share price has ranged from 4,18,529 to 4,37,089 today, while the 52-week range spans from 3,40,477 to 4,91,185.

What Is the Capitec Market Cap?

As of today, Capitec market cap is 485.14B.

Does Capitec Pay Dividends? What's The Current Dividend Yield?

The Capitec dividend yield is 1.84%.

What Is the Capitec (CPIJ) Share Price Target?

The average 12-month share price target for Capitec is 5,25,093, with a high estimate of 582600 and a low estimate of 375000. 8 analysts recommend buying, while 2 suggest selling, with an overall rating of Buy and +25.38% Upside potential.

What Is Capitec's Earnings Per Share (TTM)?

The Capitec EPS (TTM) is 158.

From a Technical Analysis Perspective, Is CPIJ a Buy or Sell?

Based on moving averages and other technical indicators, the daily buy/sell signal is Strong Sell.

What Stock Exchange Does Capitec Trade On?

Capitec is listed and trades on the Johannesburg Stock Exchange.

What Is the Stock Symbol for Capitec?

The stock symbol for Capitec is "CPIJ."

How Many Times Has Capitec Stock Split?

Capitec has split 2 times.

How Many Employees Does Capitec Have?

Capitec has 17741 employees.
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