Capitec Bank Holdings Ltd (CPI) — Cash Flow-to-Debt Ratio
Capitec Bank Holdings Ltd (CPI) has a Cash Flow-to-Debt Ratio of 0.06x as of August 2025, meaning its operating cash flow of ZAC11.86 Billion could theoretically repay 0% of its total liabilities (ZAC196.76 Billion) in one year. See CPI financial flexibility index to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Capitec Bank Holdings Ltd Cash Flow-to-Debt Ratio (2003–2025)
Historical debt coverage capacity for Capitec Bank Holdings Ltd across 23 annual periods. For the full cash flow conversion analysis, see Capitec Bank Holdings Ltd operating cash flow efficiency.
Annual Cash Flow-to-Debt Ratio for Capitec Bank Holdings Ltd (2003–2025)
Year-by-year debt coverage analysis for Capitec Bank Holdings Ltd. Check CPI operating cash flow to net income to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (ZAC) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.03x | ZAC5.01 Billion | ZAC187.55 Billion | ▼ -47.8% |
| 2024 | 0.05x | ZAC8.39 Billion | ZAC164.05 Billion | ▲ +83.5% |
| 2023 | 0.03x | ZAC4.25 Billion | ZAC152.72 Billion | ▼ -71.7% |
| 2022 | 0.10x | ZAC14.02 Billion | ZAC142.18 Billion | ▼ -58.0% |
| 2021 | 0.23x | ZAC29.73 Billion | ZAC126.59 Billion | ▲ +4739.8% |
| 2020 | 0.00x | ZAC528.86 Million | ZAC108.99 Billion | ▼ -97.2% |
| 2019 | 0.17x | ZAC13.57 Billion | ZAC78.75 Billion | ▼ -4.6% |
| 2018 | 0.18x | ZAC11.93 Billion | ZAC66.07 Billion | ▲ +8.8% |
| 2017 | 0.17x | ZAC9.50 Billion | ZAC57.24 Billion | ▲ +14.5% |
| 2016 | 0.15x | ZAC7.15 Billion | ZAC49.29 Billion | ▼ -8.0% |
| 2015 | 0.16x | ZAC6.68 Billion | ZAC42.35 Billion | ▼ -12.3% |
| 2014 | 0.18x | ZAC6.51 Billion | ZAC36.21 Billion | ▲ +146.7% |
| 2013 | 0.07x | ZAC2.17 Billion | ZAC29.83 Billion | ▼ -25.5% |
| 2012 | 0.10x | ZAC1.80 Billion | ZAC18.44 Billion | ▲ +229.8% |
| 2011 | -0.08x | ZAC-828.23 Million | ZAC10.99 Billion | ▼ -123.4% |
| 2010 | 0.32x | ZAC2.50 Billion | ZAC7.76 Billion | ▼ -10.6% |
| 2009 | 0.36x | ZAC1.29 Billion | ZAC3.56 Billion | ▲ +337.8% |
| 2008 | -0.15x | ZAC-260.87 Million | ZAC1.72 Billion | ▼ -172.9% |
| 2007 | 0.21x | ZAC223.77 Million | ZAC1.07 Billion | ▼ -51.3% |
| 2006 | 0.43x | ZAC294.04 Million | ZAC687.46 Million | ▼ -55.6% |
| 2005 | 0.96x | ZAC315.35 Million | ZAC327.43 Million | ▼ -21.0% |
| 2004 | 1.22x | ZAC100.40 Million | ZAC82.33 Million | ▼ -20.4% |
| 2003 | 1.53x | ZAC74.29 Million | ZAC48.50 Million | — |