Capitec Bank Holdings Ltd (CPI) — Tangible Net Worth Ratio
Capitec Bank Holdings Ltd (CPI) has a Tangible Net Worth Ratio of 97.0% as of August 2025. This metric is calculated by deducting intangible assets (ZAC1.61 Billion) from net assets (ZAC53.80 Billion) and expressing it as a percentage of total net assets. A higher ratio means that more of the company's equity is backed by tangible, balance-sheet-verifiable assets rather than goodwill, patents, or brand value. See CPI net working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Tangible NW Ratio
Net Assets (Equity)
Intangible Assets
Total Assets
Capitec Bank Holdings Ltd Tangible Net Worth Ratio (2003–2025)
This chart shows how Capitec Bank Holdings Ltd's Tangible Net Worth Ratio has changed across 23 annual periods from 2003 to 2025. As of August 2025, the ratio stands at 97.0%, reflecting net assets of ZAC53.80 Billion with intangible assets of ZAC1.61 Billion ZAC. See CPI days of operational coverage to measure how many days the company can operate on defensive assets alone.
Annual Tangible Net Worth Ratio for Capitec Bank Holdings Ltd (2003–2025)
The table below presents the year-by-year Tangible Net Worth Ratio for Capitec Bank Holdings Ltd from 2003 to 2025, covering 23 annual filings. Each row shows net assets, intangible assets, total assets, the tangible net worth ratio, and the change in percentage points versus the prior year. For the full company profile including market capitalisation, see Capitec Bank Holdings Ltd stock valuation.
| Year | Tangible NW Ratio | Net Assets (ZAC) | Intangible Assets | Total Assets | Change (pp) |
|---|---|---|---|---|---|
| 2025 | 98.9% | ZAC50.91 Billion | ZAC538.01 Million | ZAC238.46 Billion | ▲ +0.2 pp |
| 2024 | 98.7% | ZAC43.53 Billion | ZAC552.49 Million | ZAC207.58 Billion | ▲ +0.2 pp |
| 2023 | 98.5% | ZAC39.08 Billion | ZAC586.14 Million | ZAC191.80 Billion | ▼ -0.1 pp |
| 2022 | 98.6% | ZAC35.77 Billion | ZAC498.52 Million | ZAC177.94 Billion | ▲ +0.7 pp |
| 2021 | 97.9% | ZAC29.92 Billion | ZAC631.82 Million | ZAC156.51 Billion | ▲ +0.2 pp |
| 2020 | 97.7% | ZAC25.58 Billion | ZAC579.31 Million | ZAC134.57 Billion | ▼ -0.8 pp |
| 2019 | 98.5% | ZAC21.68 Billion | ZAC316.28 Million | ZAC100.43 Billion | ▲ +0.0 pp |
| 2018 | 98.5% | ZAC18.89 Billion | ZAC283.01 Million | ZAC84.96 Billion | ▲ +0.2 pp |
| 2017 | 98.3% | ZAC16.12 Billion | ZAC279.95 Million | ZAC73.36 Billion | ▲ +0.0 pp |
| 2016 | 98.2% | ZAC13.66 Billion | ZAC242.65 Million | ZAC62.95 Billion | ▲ +0.3 pp |
| 2015 | 97.9% | ZAC11.56 Billion | ZAC238.88 Million | ZAC53.92 Billion | ▼ 0.0 pp |
| 2014 | 98.0% | ZAC9.98 Billion | ZAC201.32 Million | ZAC46.19 Billion | ▼ -0.5 pp |
| 2013 | 98.4% | ZAC8.77 Billion | ZAC136.38 Million | ZAC38.61 Billion | ▼ -0.2 pp |
| 2012 | 98.7% | ZAC5.19 Billion | ZAC69.26 Million | ZAC23.62 Billion | ▼ -0.3 pp |
| 2011 | 99.0% | ZAC3.45 Billion | ZAC34.36 Million | ZAC14.44 Billion | ▲ +0.3 pp |
| 2010 | 98.7% | ZAC1.73 Billion | ZAC22.21 Million | ZAC9.49 Billion | ▲ +0.7 pp |
| 2009 | 98.0% | ZAC1.41 Billion | ZAC27.67 Million | ZAC4.97 Billion | ▲ +1.1 pp |
| 2008 | 96.9% | ZAC1.22 Billion | ZAC37.62 Million | ZAC2.94 Billion | ▲ +0.7 pp |
| 2007 | 96.2% | ZAC1.12 Billion | ZAC42.60 Million | ZAC2.19 Billion | ▲ +4.6 pp |
| 2006 | 91.5% | ZAC563.82 Million | ZAC47.69 Million | ZAC1.25 Billion | ▼ -8.5 pp |
| 2005 | 100.0% | ZAC476.47 Million | ZAC0.00 | ZAC803.90 Million | ▲ +0.0 pp |
| 2004 | 100.0% | ZAC428.15 Million | ZAC0.00 | ZAC510.48 Million | ▲ +0.0 pp |
| 2003 | 100.0% | ZAC385.93 Million | ZAC0.00 | ZAC434.43 Million | — |