Capitec Bank Holdings Ltd (CPI) - Net Assets

Latest as of August 2025: ZAC53.80 Billion ZAC ≈ $28.59 Million USD

Based on the latest financial reports, Capitec Bank Holdings Ltd (CPI) has net assets worth ZAC53.80 Billion ZAC (≈ $28.59 Million USD) 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 ≈ $133.16 Million USD) and total liabilities (ZAC196.76 Billion ≈ $104.57 Million USD). 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. Check asset resilience ratio of Capitec Bank Holdings Ltd to evaluate the company's liquid asset resilience ratio.

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. Also explore how large is Capitec Bank Holdings Ltd's balance sheet for the complete picture of this company's asset base.

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. For live valuation and market cap data, see Capitec Bank Holdings Ltd (CPI) total market value.

Year Net Assets Change
2025-02-28 ZAC50.91 Billion
≈ $27.06 Million		 +16.96%
2024-02-29 ZAC43.53 Billion
≈ $23.13 Million		 +11.37%
2023-02-28 ZAC39.08 Billion
≈ $20.77 Million		 +9.28%
2022-02-28 ZAC35.77 Billion
≈ $19.01 Million		 +19.56%
2021-02-28 ZAC29.92 Billion
≈ $15.90 Million		 +16.94%
2020-02-29 ZAC25.58 Billion
≈ $13.59 Million		 +18.02%
2019-02-28 ZAC21.68 Billion
≈ $11.52 Million		 +14.74%
2018-02-28 ZAC18.89 Billion
≈ $10.04 Million		 +17.21%
2017-02-28 ZAC16.12 Billion
≈ $8.57 Million		 +18.00%
2016-02-29 ZAC13.66 Billion
≈ $7.26 Million		 +18.12%
2015-02-28 ZAC11.56 Billion
≈ $6.15 Million		 +15.84%
2014-02-28 ZAC9.98 Billion
≈ $5.30 Million		 +13.80%
2013-02-28 ZAC8.77 Billion
≈ $4.66 Million		 +69.17%
2012-02-29 ZAC5.19 Billion
≈ $2.76 Million		 +50.28%
2011-02-28 ZAC3.45 Billion
≈ $1.83 Million		 +99.69%
2010-02-28 ZAC1.73 Billion
≈ $918.33K		 +22.88%
2009-02-28 ZAC1.41 Billion
≈ $747.32K		 +15.51%
2008-02-29 ZAC1.22 Billion
≈ $647.00K		 +8.95%
2007-02-28 ZAC1.12 Billion
≈ $593.87K		 +98.20%
2006-02-28 ZAC563.82 Million
≈ $299.64K		 +18.33%
2005-02-28 ZAC476.47 Million
≈ $253.22K		 +11.29%
2004-02-29 ZAC428.15 Million
≈ $227.54K		 +10.94%
2003-02-28 ZAC385.93 Million
≈ $205.10K		 --

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
Kraft Heinz Co
NASDAQ:KHC
 $26.62 Billion
Workday Inc
NASDAQ:WDAY
 $26.66 Billion
Eversource Energy
NYSE:ES
 $26.69 Billion
IQVIA Holdings Inc
NYSE:IQV
 $26.76 Billion
TDK Corporation
F:TDKA
 $26.60 Billion
Pembina Pipeline Corp
TO:PPL
 $26.58 Billion
Bank Rakyat Indonesia Persero
JK:BBRI
 $26.55 Billion
CK HUTCHISON HLDGS ADR 1
F:2CKA
 $26.54 Billion

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: 983.14x
  • 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 78019.44x to 983.14x 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 ZAC432517.00 x
2003-02-28 ZAC5.38 ZAC432517.00 x
2004-02-29 ZAC5.63 ZAC432517.00 x
2005-02-28 ZAC6.12 ZAC432517.00 x
2006-02-28 ZAC7.14 ZAC432517.00 x
2007-02-28 ZAC13.88 ZAC432517.00 x
2008-02-29 ZAC13.57 ZAC432517.00 x
2009-02-28 ZAC15.80 ZAC432517.00 x
2010-02-28 ZAC19.58 ZAC432517.00 x
2011-02-28 ZAC35.26 ZAC432517.00 x
2012-02-29 ZAC50.24 ZAC432517.00 x
2013-02-28 ZAC80.54 ZAC432517.00 x
2014-02-28 ZAC86.10 ZAC432517.00 x
2015-02-28 ZAC100.16 ZAC432517.00 x
2016-02-29 ZAC117.89 ZAC432517.00 x
2017-02-28 ZAC138.94 ZAC432517.00 x
2018-02-28 ZAC162.85 ZAC432517.00 x
2019-02-28 ZAC187.10 ZAC432517.00 x
2020-02-29 ZAC220.91 ZAC432517.00 x
2021-02-28 ZAC258.56 ZAC432517.00 x
2022-02-28 ZAC308.86 ZAC432517.00 x
2023-02-28 ZAC338.06 ZAC432517.00 x
2024-02-29 ZAC376.60 ZAC432517.00 x
2025-02-28 ZAC439.93 ZAC432517.00 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: $68,585,552,667
  • Average return on equity (ROE) among peers: 13.74%

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 $26.62 Billion
Absa Group Ltd (ABG) $62.15 Billion 13.06% 10.53x $10.27 Billion
ABSA Bank Limited (ABSP) $57.26 Billion 15.25% 12.84x $4.29 Billion
Investec Ltd (INL) $1.82 Billion 18.69% 13.45x $1.84 Billion
Nedbank Group Ltd (NED) $115.90 Billion 13.17% 9.81x $6.61 Billion
RMB Holdings Ltd (RMH) $21.74 Billion 11.43% 0.31x $34.71 Million
Standard Bank Group Ltd (SBK) $152.65 Billion 10.85% 10.08x $27.58 Billion

About Capitec Bank Holdings Ltd

JSE:CPI South Africa Banks - Regional
Market Cap
$26.62 Billion
ZAC50.09 Trillion ZAC
Market Cap Rank
#983 Global
#7 in South Africa
Share Price
ZAC432517.00
Change (1 day)
-2.17%
52-Week Range
ZAC337053.00 - ZAC478822.00
All Time High
ZAC478822.00
Categories
Companies in South Africa Banks - Regional Banking & Financial
About

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