Capitec Limited (CPIJ)

Currency in ZAR
419,456
+5,482(+1.32%)
Closed·
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Fair Value
Day's Range
415,580422,999
52 wk Range
371,024491,185
Key Statistics
Bid/Ask
416,100.00 / 435,200.00
Prev. Close
419,456
Open
418,000
Day's Range
415,580-422,999
52 wk Range
371,024-491,185
Volume
215.86K
Average Volume (3m)
214.05K
1-Year Change
11.08%
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
526,358
Upside
+25.49%
Members' Sentiments
Bearish
Bullish
ProTips
Trading at a high P/E ratio relative to near-term earnings growth

Capitec Limited News & Analysis

Show more

Technical Analysis

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

Analyst Ratings

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

Analysts 12-Month Price Target:

Average 526,358
(+25.49% Upside)
Firm
ArticlePositionPrice TargetUpside / DownsideFrom Price TargetActionDate
JPMorgan
Buy540.00-87.13%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, 05:16 pm
Read Full Transcript

Earnings

Latest Release
30/09/2026
EPS / Forecast
82.12 / --
Revenue / Forecast
17.39B / --
EPS Revisions
Last 90 days

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 158.45%
Dividend Yield
2.02%
Industry Median 4.50%
Annualised payout
8,470.00
Paid unevenly
5-Years Growth
+24.78%
Growth Streak

CPIJ Income Statement

Compare CPIJ to Peers and Sector

Metrics to compare
CPIJ
Peers
Sector
Relationship
P/E Ratio
26.5x11.5x9.3x
PEG Ratio
1.340.540.03
Price/Book
7.8x1.7x1.0x
Price / LTM Sales
10.8x2.5x2.9x
Upside (Analyst Target)
25.5%19.4%20.1%
Fair Value Upside
Unlock8.0%2.9%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
27.84M24.03%116.78B
Other Institutional Investors
56.62M48.88%237.49B
Public Companies & Retail Investors
31.38M27.09%131.63B
Total
115.84M100.00%485.9B

Top Holders

Holder
% of holding
Shares Held
Date Reported
Value (In 1,000s)
South Africa Government Employee Pension Fund15.59%18,063,14175,766,929
Public Investment Corporation Limited15.59%18,063,14175,766,929

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FAQ

What Is the Capitec (CPIJ) Stock Price Today?

The Capitec stock price today is 419,456 ZAR.

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."

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

The Capitec dividend yield is 2.02%.

What Is the Capitec Market Cap?

As of today, Capitec market cap is 485.9B ZAR.

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.

How Many Times Has Capitec Stock Split?

Capitec has split 2 times.

How Many Employees Does Capitec Have?

Capitec has 17741 employees.

What is the current trading status of Capitec (CPIJ)?

As of 11/10/2026, Capitec (CPIJ) is trading at a price of 419,456 ZAR, with a previous close of 419,456 ZAR. The stock has fluctuated within a day range of 415,580 ZAR to 422,999 ZAR, while its 52-week range spans from 371,024 ZAR to 491,185 ZAR.

What Is Capitec (CPIJ) Price Target According to Analysts?

The average 12-month price target for Capitec is 526,358 ZAR, with a high estimate of 593344 ZAR and a low estimate of 375000 ZAR. 8 analysts recommend buying the stock, while 1 suggest selling, leading to an overall rating of Buy. The stock has an +25.49% Upside potential.
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