Capitec Bank Holdings Ltd (CPI) — Cash Flow Quality Index
Capitec Bank Holdings Ltd (CPI) has a Cash Flow Quality Index of 1.48x as of August 2025. Operating cash flow of ZAC11.86 Billion exceeds net income of ZAC7.99 Billion, indicating high earnings quality where cash backs reported profits. Explore Capitec Bank Holdings Ltd (CPI) debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Capitec Bank Holdings Ltd Cash Flow Quality Index (2002–2025)
Historical Cash Flow Quality Index for Capitec Bank Holdings Ltd across 24 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see cash efficiency ratio of Capitec Bank Holdings Ltd.
Annual Cash Flow Quality Index for Capitec Bank Holdings Ltd (2002–2025)
Year-by-year earnings quality comparison for Capitec Bank Holdings Ltd.
| Year | Quality Index | Operating CF (ZAC) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 0.36x | ZAC5.01 Billion | ZAC13.74 Billion | ▼ -54.1% |
| 2024 | 0.79x | ZAC8.39 Billion | ZAC10.57 Billion | ▲ +115.4% |
| 2023 | 0.37x | ZAC4.25 Billion | ZAC11.55 Billion | ▼ -71.3% |
| 2022 | 1.29x | ZAC14.02 Billion | ZAC10.90 Billion | ▼ -75.8% |
| 2021 | 5.31x | ZAC29.73 Billion | ZAC5.60 Billion | ▲ +5220.3% |
| 2020 | 0.10x | ZAC528.86 Million | ZAC5.30 Billion | ▼ -94.8% |
| 2019 | 1.92x | ZAC13.57 Billion | ZAC7.07 Billion | ▼ -1.1% |
| 2018 | 1.94x | ZAC11.93 Billion | ZAC6.15 Billion | ▲ +7.0% |
| 2017 | 1.81x | ZAC9.50 Billion | ZAC5.24 Billion | ▲ +13.5% |
| 2016 | 1.60x | ZAC7.15 Billion | ZAC4.47 Billion | ▼ -14.8% |
| 2015 | 1.88x | ZAC6.68 Billion | ZAC3.56 Billion | ▼ -18.4% |
| 2014 | 2.30x | ZAC6.51 Billion | ZAC2.83 Billion | ▲ +140.7% |
| 2013 | 0.95x | ZAC2.17 Billion | ZAC2.28 Billion | ▼ -17.5% |
| 2012 | 1.16x | ZAC1.80 Billion | ZAC1.56 Billion | ▲ +191.7% |
| 2011 | -1.26x | ZAC-828.23 Million | ZAC656.02 Million | ▼ -132.4% |
| 2010 | 3.90x | ZAC2.50 Billion | ZAC642.36 Million | ▲ +38.5% |
| 2009 | 2.82x | ZAC1.29 Billion | ZAC456.68 Million | ▲ +347.2% |
| 2008 | -1.14x | ZAC-260.87 Million | ZAC229.06 Million | ▼ -185.0% |
| 2007 | 1.34x | ZAC223.77 Million | ZAC166.92 Million | ▼ -47.4% |
| 2006 | 2.55x | ZAC294.04 Million | ZAC115.28 Million | ▼ -45.1% |
| 2005 | 4.64x | ZAC315.35 Million | ZAC67.93 Million | ▲ +109.8% |
| 2004 | 2.21x | ZAC100.40 Million | ZAC45.38 Million | ▼ -10.6% |
| 2003 | 2.47x | ZAC74.29 Million | ZAC30.02 Million | ▲ +103.7% |
| 2002 | 1.21x | ZAC58.38 Million | ZAC48.07 Million | — |