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 cash generation quality of Capitec Bank Holdings Ltd to measure how efficiently the company converts operating cash flow to free cash.
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. Also explore net asset growth rate of Capitec Bank Holdings Ltd to track the company's year-over-year net asset growth rate.
Annual Cash Flow-to-Debt Ratio for Capitec Bank Holdings Ltd (2003–2025)
Year-by-year debt coverage analysis for Capitec Bank Holdings Ltd. For market capitalisation and broader financial context, see Capitec Bank Holdings Ltd market cap and net worth.
| 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 | — |