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Capitec Limited CKHGY

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146.26 USD +3.80 (+2.67%)

At closeNov 6, 2026, 4:00 PM EST

149.61 Day range 149.61
112.41 52-week range 156.77
YTD
+14.13%
1 year
+29.49%

Financial health

Altman Z-Score

2.79 Grey zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

A-4 / 5 overall

  • DCF 5
  • Return on Equity 5
  • Return on Assets 5
  • Debt / Equity 4
  • P/E 1
  • P/B 1

Valuation

P/E 31.8×
FY 2017: 25.2×FY 2018: 23.1×FY 2019: 29.5×FY 2020: 25.2×FY 2021: 36.3×FY 2022: 25.7×FY 2023: 23.8×FY 2024: 21.6×FY 2025: 26.4×FY 2026: 31.8×
FY 2017 5y median 25.7× FY 2026
P/S 8.7×
FY 2017: 63.2×FY 2018: 55.7×FY 2019: 82.1×FY 2020: 77.3×FY 2021: 84.2×FY 2022: 91.5×FY 2023: 86.2×FY 2024: 8.4×FY 2025: 8.2×FY 2026: 8.7×
FY 2017 5y median 8.7× FY 2026
P/B 9.0×
FY 2017: 77.5×FY 2018: 64.4×FY 2019: 101×FY 2020: 96.9×FY 2021: 81.8×FY 2022: 94.7×FY 2023: 102×FY 2024: 5.2×FY 2025: 7.1×FY 2026: 9.0×
FY 2017 5y median 9.0× FY 2026
P/FCF 30.0×
FY 2017: 383×FY 2018: 126×FY 2019: 270×FY 2020: 173×FY 2021: 175×FY 2022: 222×FY 2023: 294×FY 2024: 17.4×FY 2025: 15.4×FY 2026: 30.0×
FY 2017 5y median 30.0× FY 2026
EV/EBITDA 21.4×
FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×FY 2026: 21.4×
FY 2017 5y median 0.0× FY 2026
EV/Sales 8.3×
FY 2017: 46.9×FY 2018: 43.5×FY 2019: 67.3×FY 2020: 68.2×FY 2021: 72.5×FY 2022: 79.9×FY 2023: 75.3×FY 2024: 7.7×FY 2025: 7.7×FY 2026: 8.3×
FY 2017 5y median 8.3× FY 2026
FCF Yield 3.3%
FY 2017: 0.3%FY 2018: 0.8%FY 2019: 0.4%FY 2020: 0.6%FY 2021: 0.6%FY 2022: 0.5%FY 2023: 0.3%FY 2024: 5.8%FY 2025: 6.5%FY 2026: 3.3%
FY 2017 5y median 3.3% FY 2026

Profitability

Gross Margin 84.9%
FY 2017: 100.0%FY 2018: 100.0%FY 2019: 100.0%FY 2020: 100.0%FY 2021: 100.0%FY 2022: 100.0%FY 2023: 100.0%FY 2024: 100.0%FY 2025: 100.0%FY 2026: 84.9%
FY 2017 5y median 100.0% FY 2026
Operating Margin 36.2%
FY 2017: 346.6%FY 2018: 340.3%FY 2019: 382.4%FY 2020: 404.7%FY 2021: 304.2%FY 2022: 464.2%FY 2023: 484.8%FY 2024: 58.0%FY 2025: 58.9%FY 2026: 36.2%
FY 2017 5y median 58.9% FY 2026
Net Margin 27.5%
FY 2017: 17.6%FY 2018: 18.5%FY 2019: 20.6%FY 2020: 21.0%FY 2021: 14.1%FY 2022: 24.0%FY 2023: 23.0%FY 2024: 38.7%FY 2025: 31.2%FY 2026: 27.5%
FY 2017 5y median 27.5% FY 2026
ROE 28.3%
FY 2017: 21.7%FY 2018: 21.3%FY 2019: 25.4%FY 2020: 26.3%FY 2021: 13.7%FY 2022: 24.8%FY 2023: 27.3%FY 2024: 24.3%FY 2025: 27.0%FY 2026: 28.3%
FY 2017 5y median 27.0% FY 2026
ROIC 24.6%
FY 2017: 121.3%FY 2018: 113.7%FY 2019: 144.4%FY 2020: 145.7%FY 2021: 94.3%FY 2022: 160.3%FY 2023: 194.6%FY 2024: 10.3%FY 2025: 33.7%FY 2026: 24.6%
FY 2017 5y median 33.7% FY 2026
ROA 6.4%
FY 2017: 4.8%FY 2018: 4.7%FY 2019: 5.5%FY 2020: 5.0%FY 2021: 2.6%FY 2022: 5.0%FY 2023: 5.6%FY 2024: 5.1%FY 2025: 5.8%FY 2026: 6.4%
FY 2017 5y median 5.6% FY 2026

Growth (YoY)

Revenue 39.2%
FY 2017: 11.2%FY 2018: 22.3%FY 2019: 2.9%FY 2020: 7.2%FY 2021: -5.9%FY 2022: 24.8%FY 2023: 5.4%FY 2024: 980.9%FY 2025: 61.4%FY 2026: 39.2%
FY 2017 FY 2026
Operating Income -14.6%
FY 2017: 17.2%FY 2018: 20.1%FY 2019: 15.6%FY 2020: 13.5%FY 2021: -29.3%FY 2022: 90.6%FY 2023: 10.1%FY 2024: 29.3%FY 2025: 64.0%FY 2026: -14.6%
FY 2017 FY 2026
EPS (diluted) 22.3%
FY 2017: 17.8%FY 2018: 18.0%FY 2019: 18.6%FY 2020: 17.9%FY 2021: -28.6%FY 2022: 91.3%FY 2023: 7.5%FY 2024: 15.5%FY 2025: 30.2%FY 2026: 22.3%
FY 2017 FY 2026
Free Cash Flow -24.4%
FY 2017: -22.5%FY 2018: 227.1%FY 2019: -29.2%FY 2020: 57.7%FY 2021: 1.0%FY 2022: 7.2%FY 2023: -24.9%FY 2024: 1669.6%FY 2025: 79.2%FY 2026: -24.4%
FY 2017 FY 2026

Financial Health

Current Ratio 0.2×
FY 2017: 1.0×FY 2018: 1.1×FY 2019: 1.1×FY 2020: 0.7×FY 2021: 0.6×FY 2022: 0.4×FY 2023: 0.4×FY 2024: 0.0×FY 2025: 0.2×FY 2026: 0.2×
FY 2017 5y median 0.2× FY 2026
Quick Ratio 0.2×
FY 2017: 7.9×FY 2018: 7.2×FY 2019: 6.2×FY 2020: 4.8×FY 2021: 4.5×FY 2022: 4.4×FY 2023: 4.3×FY 2024: 0.0×FY 2025: 0.2×FY 2026: 0.2×
FY 2017 5y median 0.2× FY 2026
Debt / Equity 0.1×
FY 2017: 0.4×FY 2018: 0.3×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×FY 2026: 0.1×
FY 2017 5y median 0.1× FY 2026
Net Debt / EBITDA -1.1×
FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×FY 2026: -1.1×
FY 2017 5y median 0.0× FY 2026
Interest Coverage 2.4×
FY 2017: 108×FY 2018: 142×FY 2019: 117×FY 2020: 123×FY 2021: 164×FY 2022: 221×FY 2023: 308×FY 2024: 1.7×FY 2025: 2.6×FY 2026: 2.4×
FY 2017 5y median 2.6× FY 2026

Dividends

Dividend Yield 1.5%
FY 2017: 0.1%FY 2018: 0.1%FY 2019: 1.2%FY 2020: 1.4%FY 2021: 0.0%FY 2022: 1.5%FY 2023: 2.8%FY 2024: 2.2%FY 2025: 1.7%FY 2026: 1.5%
FY 2017 5y median 1.7% FY 2026
Payout Ratio 48.5%
FY 2017: 34.8%FY 2018: 34.6%FY 2019: 468.3%FY 2020: 507.6%FY 2021: 2.3%FY 2022: 564.1%FY 2023: 1065.9%FY 2024: 47.5%FY 2025: 45.9%FY 2026: 48.5%
FY 2017 5y median 48.5% FY 2026

Annual · latest fiscal year ends 2026-02-28