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 Capitec Bank Holdings Ltd strategic asset allocation index to assess the company's strategic physical and investment asset allocation.
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. See CPI working capital ratio to evaluate short-term liquidity relative to the company's equity base.
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. For the full company profile including market capitalisation, see Capitec Bank Holdings Ltd market capitalisation.
| 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 | — |