Capitec Bank Holdings Ltd (CPI) — Financial Flexibility Index
Capitec Bank Holdings Ltd (CPI) has a Financial Flexibility Index of 0.06x as of August 2025. Free cash flow of ZAC12.39 Billion (operating CF ZAC11.86 Billion minus capex ZAC524.00 Million) represents 0% of total liabilities (ZAC196.76 Billion). Check CPI cash flow reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Capitec Bank Holdings Ltd Financial Flexibility Index (2003–2025)
Historical Financial Flexibility Index trend for Capitec Bank Holdings Ltd across 23 annual periods. For the full cash flow conversion analysis, see CPI cash flow metrics.
Annual Financial Flexibility Index for Capitec Bank Holdings Ltd (2003–2025)
Year-by-year free cash flow to debt coverage for Capitec Bank Holdings Ltd. Explore Capitec Bank Holdings Ltd debt service capacity to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (ZAC) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.03x | ZAC6.29 Billion | ZAC5.01 Billion | ZAC187.55 Billion | ▼ -42.4% |
| 2024 | 0.06x | ZAC9.55 Billion | ZAC8.39 Billion | ZAC164.05 Billion | ▲ +64.0% |
| 2023 | 0.04x | ZAC5.42 Billion | ZAC4.25 Billion | ZAC152.72 Billion | ▼ -66.1% |
| 2022 | 0.10x | ZAC14.88 Billion | ZAC14.02 Billion | ZAC142.18 Billion | ▼ -56.7% |
| 2021 | 0.24x | ZAC30.57 Billion | ZAC29.73 Billion | ZAC126.59 Billion | ▲ +1727.9% |
| 2020 | 0.01x | ZAC1.44 Billion | ZAC528.86 Million | ZAC108.99 Billion | ▼ -92.9% |
| 2019 | 0.19x | ZAC14.71 Billion | ZAC13.57 Billion | ZAC78.75 Billion | ▼ -3.3% |
| 2018 | 0.19x | ZAC12.76 Billion | ZAC11.93 Billion | ZAC66.07 Billion | ▲ +5.3% |
| 2017 | 0.18x | ZAC10.50 Billion | ZAC9.50 Billion | ZAC57.24 Billion | ▲ +15.2% |
| 2016 | 0.16x | ZAC7.85 Billion | ZAC7.15 Billion | ZAC49.29 Billion | ▼ -4.8% |
| 2015 | 0.17x | ZAC7.09 Billion | ZAC6.68 Billion | ZAC42.35 Billion | ▼ -14.1% |
| 2014 | 0.19x | ZAC7.06 Billion | ZAC6.51 Billion | ZAC36.21 Billion | ▲ +119.7% |
| 2013 | 0.09x | ZAC2.65 Billion | ZAC2.17 Billion | ZAC29.83 Billion | ▼ -25.1% |
| 2012 | 0.12x | ZAC2.18 Billion | ZAC1.80 Billion | ZAC18.44 Billion | ▲ +319.6% |
| 2011 | -0.05x | ZAC-592.87 Million | ZAC-828.23 Million | ZAC10.99 Billion | ▼ -115.8% |
| 2010 | 0.34x | ZAC2.65 Billion | ZAC2.50 Billion | ZAC7.76 Billion | ▼ -5.2% |
| 2009 | 0.36x | ZAC1.29 Billion | ZAC1.29 Billion | ZAC3.56 Billion | ▲ +531.0% |
| 2008 | -0.08x | ZAC-143.92 Million | ZAC-260.87 Million | ZAC1.72 Billion | ▼ -129.0% |
| 2007 | 0.29x | ZAC309.73 Million | ZAC223.77 Million | ZAC1.07 Billion | ▼ -45.9% |
| 2006 | 0.53x | ZAC366.44 Million | ZAC294.04 Million | ZAC687.46 Million | ▼ -56.3% |
| 2005 | 1.22x | ZAC399.41 Million | ZAC315.35 Million | ZAC327.43 Million | ▼ -30.6% |
| 2004 | 1.76x | ZAC144.63 Million | ZAC100.40 Million | ZAC82.33 Million | ▼ -19.2% |
| 2003 | 2.17x | ZAC105.40 Million | ZAC74.29 Million | ZAC48.50 Million | — |