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Capitec Bank Holdings Ltd is a retail bank with more than 850 branches in South Africa. Its services focus on three customer needs: saving, which provides customers the ability to receive and store funds; credit, which satisfies customer needs to access and borrow funds; and transacting, which allows for payments and movement of funds. It operates in three segments: Retail bank, Business bank, and the Insurance business. Net interest income accounts for more than two-thirds of total company revenue. The company also generates revenue from fees on loans and transactions. Roughly a third of the company's loans are mortgages, and another third are other secured loans. Credit facilities and unsecured credit loans make up most of the remaining loans outstanding.
1999
15.7K+
LTM Revenue $2.3B
LTM EBITDA n/a
$19.7B
Benchmark forward-looking revenue and EBITDA valuation multiples across generative AI, climate tech, semiconductors, online marketplaces, vertical SaaS and 220 more verticals.
Capitec Bank has a last 12-month revenue of $2.3B and a last 12-month EBITDA of n/a.
In the most recent fiscal year, Capitec Bank achieved revenue of $2.0B and an EBITDA of n/a.
Capitec Bank expects next 12-month revenue of XXX and NTM EBITDA of XXX
See Capitec Bank valuation multiples based on analyst estimates| FY 2023 | FY 2024 | FY 2025 | LTM | NTM | |
|---|---|---|---|---|---|
| Revenue | $1.7B | $2.0B | XXX | XXX | XXX |
| Gross Profit | n/a | n/a | XXX | XXX | XXX |
| Gross Margin | NaN% | NaN% | XXX | XXX | XXX |
| EBITDA | n/a | n/a | XXX | XXX | XXX |
| EBITDA Margin | NaN% | NaN% | XXX | XXX | XXX |
| Net Profit | $466M | $530M | XXX | XXX | XXX |
| Net Margin | 28% | 27% | XXX | XXX | XXX |
| Net Debt | n/a | n/a | XXX | XXX | XXX |
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As of April 15, 2025, Capitec Bank's stock price is ZAR 3056 (or $167).
Capitec Bank has current market cap of ZAR 354B (or $19.3B), and EV of ZAR 360B (or $19.7B).
See Capitec Bank trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $19.7B | $19.3B | XXX | XXX | XXX | XXX | $6.67 |
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Sign UpAs of April 15, 2025, Capitec Bank has market cap of $19.3B and EV of $19.7B.
Capitec Bank's trades at 8.4x LTM EV/Revenue multiple, and n/a LTM EBITDA.
Analysts estimate Capitec Bank's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
See valuation multiples for Capitec Bank and 10K+ public comps| FY 2024 | FY 2025E | FY 2026E | FY 2027E | |
|---|---|---|---|---|
| EV | $19.7B | XXX | XXX | XXX |
| EV/Revenue | 8.8x | XXX | XXX | XXX |
| EV/EBITDA | n/a | XXX | XXX | XXX |
| P/E | 26.8x | XXX | XXX | XXX |
| P/E/Growth | 1.5x | XXX | XXX | XXX |
| EV/FCF | n/a | XXX | XXX | XXX |
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Access all public comps and forward-looking valuation multiples like EV/Revenue in 2025, based on equity research analyst estimates.
Sign UpCapitec Bank's NTM/LTM revenue growth is 14%
Capitec Bank's revenue per employee for the last fiscal year averaged $0.1M, while opex per employee averaged $48K for the same period.
Over next 12 months, Capitec Bank's ratio of sales and marketing spend to revenue is estimated to be XXX , while its R&D spend to revenue to be XXX .
Analysts estimate Capitec Bank's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
See operational valuation multiples for Capitec Bank and other 10K+ public comps| FY 2024 | NTM | FY 2025E | FY 2026E | FY 2027E | |
|---|---|---|---|---|---|
| Revenue Growth | 19% | XXX | XXX | XXX | XXX |
| EBITDA Margin | n/a | XXX | XXX | XXX | XXX |
| EBITDA Growth | n/a | XXX | XXX | XXX | XXX |
| Rule of 40 (SaaS-only) | n/a | XXX | XXX | XXX | XXX |
| Revenue per Employee | $0.1M | XXX | XXX | XXX | XXX |
| Opex per Employee | $48K | XXX | XXX | XXX | XXX |
| S&M Expenses to Revenue | n/a | XXX | XXX | XXX | XXX |
| G&A Expenses to Revenue | n/a | XXX | XXX | XXX | XXX |
| R&D Expenses to Revenue | n/a | XXX | XXX | XXX | XXX |
| Opex to Revenue | 39% | XXX | XXX | XXX | XXX |
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Benchmark public comps and private revenue and EBITDA valuation multiples across GRC software, cloud infrastructure, DevOps, online marketplaces and so much more!
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| 2025E | 2026E | 2027E | 2025E | 2026E | 2027E | |
| Abu Dhabi Commercial Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| Abu Dhabi Islamic Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| First Abu Dhabi Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| National Bank of Fujairah | XXX | XXX | XXX | XXX | XXX | XXX |
| RAKBANK | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
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Capitec Bank acquired XXX companies to date.
Last acquisition by Capitec Bank was XXXXXXXX, XXXXX XXXXX XXXXXX . Capitec Bank acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX ).
See M&A valuation multiples| Acquired Company | EV | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
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Sign Up| When was Capitec Bank founded? | Capitec Bank was founded in 1999. |
| Where is Capitec Bank headquartered? | Capitec Bank is headquartered in South Africa. |
| How many employees does Capitec Bank have? | As of today, Capitec Bank has 15.7K+ employees. |
| Who is the CEO of Capitec Bank? | Capitec Bank's CEO is Mr. Gerhardus Metselaar Fourie, B.Com,M.B.A.. |
| Is Capitec Bank publicy listed? | Yes, Capitec Bank is a public company listed on JSE. |
| What is the stock symbol of Capitec Bank? | Capitec Bank trades under CPI ticker. |
| When did Capitec Bank go public? | Capitec Bank went public in 2002. |
| Who are competitors of Capitec Bank? | Similar companies to Capitec Bank include e.g. Abu Dhabi Commercial Bank, Abu Dhabi Islamic Bank, First Abu Dhabi Bank, National Bank of Fujairah. |
| What is the current market cap of Capitec Bank? | Capitec Bank's current market cap is $19.3B |
| What is the current revenue of Capitec Bank? | Capitec Bank's last 12-month revenue is $2.3B. |
| What is the current EV/Revenue multiple of Capitec Bank? | Current revenue multiple of Capitec Bank is 8.4x. |
| What is the current revenue growth of Capitec Bank? | Capitec Bank revenue growth between 2023 and 2024 was 19%. |
| Is Capitec Bank profitable? | Yes, Capitec Bank is EBITDA-positive (as of the last 12 months). |
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