Capitec Bank Holdings Ltd
Capitec Bank Holdings Limited, through its subsidiaries, provides various banking products and services in South Africa. The company operates through three segments: Personal banking, Business banking, and Insurance. It offers transactional banking services; flexible, notice, fixed, and tax-free savings; call and notice deposits; term, home, personal, vehicle, education, home improvement, busines… Read more
Capitec Bank Holdings Ltd (CPI) - Net Assets
Latest net assets as of August 2025: ZAC53.80 Billion ZAC
Based on the latest financial reports, Capitec Bank Holdings Ltd (CPI) has net assets worth ZAC53.80 Billion ZAC as of August 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (ZAC250.56 Billion) and total liabilities (ZAC196.76 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | ZAC53.80 Billion |
| % of Total Assets | 21.47% |
| Annual Growth Rate | 24.85% |
| 5-Year Change | 70.19% |
| 10-Year Change | 272.74% |
| Growth Volatility | 26.4 |
Capitec Bank Holdings Ltd - Net Assets Trend (2003–2025)
This chart illustrates how Capitec Bank Holdings Ltd's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Capitec Bank Holdings Ltd (2003–2025)
The table below shows the annual net assets of Capitec Bank Holdings Ltd from 2003 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-02-28 | ZAC50.91 Billion | +16.96% |
| 2024-02-29 | ZAC43.53 Billion | +11.37% |
| 2023-02-28 | ZAC39.08 Billion | +9.28% |
| 2022-02-28 | ZAC35.77 Billion | +19.56% |
| 2021-02-28 | ZAC29.92 Billion | +16.94% |
| 2020-02-29 | ZAC25.58 Billion | +18.02% |
| 2019-02-28 | ZAC21.68 Billion | +14.74% |
| 2018-02-28 | ZAC18.89 Billion | +17.21% |
| 2017-02-28 | ZAC16.12 Billion | +18.00% |
| 2016-02-29 | ZAC13.66 Billion | +18.12% |
| 2015-02-28 | ZAC11.56 Billion | +15.84% |
| 2014-02-28 | ZAC9.98 Billion | +13.80% |
| 2013-02-28 | ZAC8.77 Billion | +69.17% |
| 2012-02-29 | ZAC5.19 Billion | +50.28% |
| 2011-02-28 | ZAC3.45 Billion | +99.69% |
| 2010-02-28 | ZAC1.73 Billion | +22.88% |
| 2009-02-28 | ZAC1.41 Billion | +15.51% |
| 2008-02-29 | ZAC1.22 Billion | +8.95% |
| 2007-02-28 | ZAC1.12 Billion | +98.20% |
| 2006-02-28 | ZAC563.82 Million | +18.33% |
| 2005-02-28 | ZAC476.47 Million | +11.29% |
| 2004-02-29 | ZAC428.15 Million | +10.94% |
| 2003-02-28 | ZAC385.93 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Capitec Bank Holdings Ltd's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 94810.9% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (February 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | ZAC44.89 Billion | 88.22% |
| Common Stock | ZAC1.16 Million | 0.00% |
| Other Comprehensive Income | ZAC474.21 Million | 0.93% |
| Other Components | ZAC5.52 Billion | 10.84% |
| Total Equity | ZAC50.88 Billion | 100.00% |
Capitec Bank Holdings Ltd Competitors by Market Cap
The table below lists competitors of Capitec Bank Holdings Ltd ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Jutze Intelligent Technology Co Ltd
SHE:300802
|
$286.37 Million |
|
Endur ASA
OL:ENDUR
|
$286.51 Million |
|
Materials Analysis Technology
TWO:3587
|
$286.53 Million |
|
IS Dongseo
KO:010780
|
$286.67 Million |
|
Hangzhou Dadi Haiyang Environmental Protection Co. Ltd.
SHE:301068
|
$286.32 Million |
|
Velesto Energy Bhd
KLSE:5243
|
$286.32 Million |
|
DongGuan Winnerway Industrial Zone Ltd
SHE:000573
|
$286.31 Million |
|
Genie Energy Ltd
NYSE:GNE
|
$286.29 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Capitec Bank Holdings Ltd's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 43,530,593,000 to 50,882,365,000, a change of 7,351,772,000 (16.9%).
- Net income of 13,742,245,000 contributed positively to equity growth.
- Dividend payments of 6,303,954,000 reduced retained earnings.
- Share repurchases of 174,080,000 reduced equity.
- Other comprehensive income decreased equity by 132,759,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | ZAC13.74 Billion | +27.01% |
| Dividends Paid | ZAC6.30 Billion | -12.39% |
| Share Repurchases | ZAC174.08 Million | -0.34% |
| Other Comprehensive Income | ZAC-132.76 Million | -0.26% |
| Other Changes | ZAC357.83 Million | +0.7% |
| Total Change | ZAC- | 16.89% |
Book Value vs Market Value Analysis
This analysis compares Capitec Bank Holdings Ltd's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 955.68x
- The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
- The price-to-book ratio has decreased from 75840.40x to 955.68x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2002-02-28 | ZAC5.54 | ZAC420437.00 | x |
| 2003-02-28 | ZAC5.38 | ZAC420437.00 | x |
| 2004-02-29 | ZAC5.63 | ZAC420437.00 | x |
| 2005-02-28 | ZAC6.12 | ZAC420437.00 | x |
| 2006-02-28 | ZAC7.14 | ZAC420437.00 | x |
| 2007-02-28 | ZAC13.88 | ZAC420437.00 | x |
| 2008-02-29 | ZAC13.57 | ZAC420437.00 | x |
| 2009-02-28 | ZAC15.80 | ZAC420437.00 | x |
| 2010-02-28 | ZAC19.58 | ZAC420437.00 | x |
| 2011-02-28 | ZAC35.26 | ZAC420437.00 | x |
| 2012-02-29 | ZAC50.24 | ZAC420437.00 | x |
| 2013-02-28 | ZAC80.54 | ZAC420437.00 | x |
| 2014-02-28 | ZAC86.10 | ZAC420437.00 | x |
| 2015-02-28 | ZAC100.16 | ZAC420437.00 | x |
| 2016-02-29 | ZAC117.89 | ZAC420437.00 | x |
| 2017-02-28 | ZAC138.94 | ZAC420437.00 | x |
| 2018-02-28 | ZAC162.85 | ZAC420437.00 | x |
| 2019-02-28 | ZAC187.10 | ZAC420437.00 | x |
| 2020-02-29 | ZAC220.91 | ZAC420437.00 | x |
| 2021-02-28 | ZAC258.56 | ZAC420437.00 | x |
| 2022-02-28 | ZAC308.86 | ZAC420437.00 | x |
| 2023-02-28 | ZAC338.06 | ZAC420437.00 | x |
| 2024-02-29 | ZAC376.60 | ZAC420437.00 | x |
| 2025-02-28 | ZAC439.93 | ZAC420437.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Capitec Bank Holdings Ltd utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 27.01%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 38.39%
- • Asset Turnover: 0.15x
- • Equity Multiplier: 4.69x
- Recent ROE (27.01%) is above the historical average (20.16%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2002 | 12.29% | 17.81% | 0.66x | 1.05x | ZAC8.94 Million |
| 2003 | 7.78% | 9.30% | 0.74x | 1.13x | ZAC-8.57 Million |
| 2004 | 10.60% | 12.20% | 0.73x | 1.19x | ZAC2.57 Million |
| 2005 | 14.26% | 12.78% | 0.66x | 1.69x | ZAC20.28 Million |
| 2006 | 20.45% | 15.48% | 0.60x | 2.22x | ZAC58.90 Million |
| 2007 | 14.94% | 14.13% | 0.54x | 1.96x | ZAC55.18 Million |
| 2008 | 18.82% | 11.17% | 0.70x | 2.41x | ZAC107.32 Million |
| 2009 | 21.35% | 9.50% | 0.64x | 3.53x | ZAC159.58 Million |
| 2010 | 26.00% | 22.36% | 0.21x | 5.49x | ZAC276.43 Million |
| 2011 | 20.56% | 23.64% | 0.19x | 4.52x | ZAC336.87 Million |
| 2012 | 22.21% | 25.70% | 0.18x | 4.79x | ZAC601.70 Million |
| 2013 | 18.85% | 19.63% | 0.21x | 4.53x | ZAC753.28 Million |
| 2014 | 20.41% | 20.28% | 0.22x | 4.63x | ZAC1.04 Billion |
| 2015 | 22.17% | 22.09% | 0.22x | 4.66x | ZAC1.41 Billion |
| 2016 | 23.63% | 23.98% | 0.21x | 4.61x | ZAC1.86 Billion |
| 2017 | 23.62% | 24.09% | 0.22x | 4.55x | ZAC2.20 Billion |
| 2018 | 23.67% | 25.12% | 0.21x | 4.50x | ZAC2.58 Billion |
| 2019 | 24.43% | 27.84% | 0.19x | 4.63x | ZAC3.13 Billion |
| 2020 | 24.44% | 29.58% | 0.16x | 5.26x | ZAC3.69 Billion |
| 2021 | 14.90% | 29.63% | 0.10x | 5.23x | ZAC1.47 Billion |
| 2022 | 23.84% | 36.49% | 0.13x | 4.98x | ZAC4.95 Billion |
| 2023 | 23.41% | 39.08% | 0.12x | 4.91x | ZAC5.24 Billion |
| 2024 | 24.27% | 38.71% | 0.13x | 4.77x | ZAC6.21 Billion |
| 2025 | 27.01% | 38.39% | 0.15x | 4.69x | ZAC8.65 Billion |
Industry Comparison
This section compares Capitec Bank Holdings Ltd's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $43,059,654,600
- Average return on equity (ROE) among peers: 12.01%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Capitec Bank Holdings Ltd (CPI) | ZAC53.80 Billion | 12.29% | 3.66x | $286.37 Million |
| Absa Group Ltd (ABG) | $132.30 Billion | 4.89% | 10.57x | $91.91 Million |
| ABSA Bank Limited (ABSP) | $58.93 Billion | 15.78% | 12.81x | $473.44K |
| Investec Ltd (INL) | $3.96 Billion | 10.62% | 11.86x | $62.98 Million |
| RMB Holdings Ltd (RMH) | $19.00 Billion | 18.51% | 0.03x | $347.93K |
| Sasfin (SFN) | $1.11 Billion | 10.27% | 2.94x | $457.92K |