Capitec Bank Holdings Limited (CPI.JO) stock analysis

In our weekly check, Capitec Bank Holdings Limited is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 16 pass, warnings: 3, red flags: 6.

About Capitec Bank Holdings Limited

Capitec Bank Holdings Limited is a Financial Services company (Banks - Regional) based in South Africa, listed on JNB as CPI.JO.

What our checks show for CPI.JO

Red flags

• The net margin fell by 14.4 points over 5 years, to 22.1%: the company keeps less of each sale as profit.
• The gross margin fell by 25.2 points, to 74.8%: costs are rising faster than prices.
• Analysts expect only about 0% a year of growth in revenue.
• The dividend takes 805% of profit: little cushion if profit falls.
• The stock has fallen as much as 99% from a peak. Would you have held through that?

Warning signs

• A small company (market value $317 million): usually riskier and followed by fewer analysts.
• Thinly traded (about 234 thousand shares a day): buying and selling can move the price.
• Return on capital (ROCE) is only 9%.

Strengths

• Operating cash flow is 2.08x net profit: the profit arrives as real cash.
• Analysts expect earnings per share to grow about 18.5% a year over the next years.
• Analysts expect the net margin to improve by 14.3 points from today's 22.1%.
• Revenue grew 48.2% a year over the last 3 years.
• Earnings per share grew 22.5% a year over the last 3 years.
• Net profit grew 22.5% a year over the last 3 years.

Similar companies

2388.HK · SCB-R.BK · KBANK-R.BK · NDA-SE.ST · SBK.JO · GFNORTEO.MX

Questions

What grade does Capitec Bank Holdings Limited (CPI.JO) have?

In our weekly check, Capitec Bank Holdings Limited is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 16 pass, warnings: 3, red flags: 6. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of CPI.JO stock?

This week's biggest flags for Capitec Bank Holdings Limited: Margins falling, Gross margin falling, Weak revenue forecast. In total 9 of 25 checks show a warning or a red flag.

What does Capitec Bank Holdings Limited do?

Capitec Bank Holdings Limited is a Financial Services company (Banks - Regional) based in South Africa, listed on JNB as CPI.JO.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-24

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