Capitec Bank Holdings Ltd Financial Flexibility Index
Capitec Bank Holdings Ltd 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). See free cash flow generation of Capitec Bank Holdings Ltd to measure how efficiently the company converts operating cash flow to free cash.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of Capitec Bank Holdings Ltd (2003–2025)
Financial flexibility index of Capitec Bank Holdings Ltd from 2003 to 2025. Historical Financial Flexibility Index trend for Capitec Bank Holdings Ltd across 23 annual periods. Check Capitec Bank Holdings Ltd (CPI) cash flow quality to evaluate the quality of earnings relative to operating cash generation.
Capitec Bank Holdings Ltd Financial Flexibility Index by Year (2003–2025)
Capitec Bank Holdings Ltd financial flexibility index by year from 2003 to 2025. Year-by-year free cash flow to debt coverage for Capitec Bank Holdings Ltd. For the full cash flow conversion analysis, see Capitec Bank Holdings Ltd cash flow conversion.
| 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 | — |