Capitec Bank Holdings Limited
Capitec Bank Holdings Limited Fundamental Analysis
Capitec Bank Holdings Limited (CKHGF) shows strong financial fundamentals with a PE ratio of 1.13, profit margin of 38.93%, and ROE of 29.26%. The company generates $702.5B in annual revenue with strong year-over-year growth of 16.57%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of -1147.4/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze CKHGF's fundamental strength across five key dimensions:
Efficiency Score
WeakCKHGF struggles to generate sufficient returns from assets.
Valuation Score
ExcellentCKHGF trades at attractive valuation levels.
Growth Score
ExcellentCKHGF delivers strong and consistent growth momentum.
Financial Health Score
ModerateCKHGF shows balanced financial health with some risks.
Profitability Score
ModerateCKHGF maintains healthy but balanced margins.
Key Financial Metrics
Is CKHGF Expensive or Cheap?
P/E Ratio
CKHGF trades at 1.13 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, CKHGF's PEG of 0.01 indicates potential undervaluation.
Price to Book
The market values Capitec Bank Holdings Limited at 0.32 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 609.62 times EBITDA. This signals the market has high growth expectations.
How Well Does CKHGF Make Money?
Net Profit Margin
For every $100 in sales, Capitec Bank Holdings Limited keeps $38.93 as profit after all expenses.
Operating Margin
Core operations generate 35.91 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $29.26 in profit for every $100 of shareholder equity.
ROA
Capitec Bank Holdings Limited generates $6.11 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Capitec Bank Holdings Limited generates limited operating cash flow of $-87.37B, signaling weaker underlying cash strength.
Free Cash Flow
Capitec Bank Holdings Limited generates weak or negative free cash flow of $-94.08B, restricting financial flexibility.
FCF Per Share
Each share generates $-812.40 in free cash annually.
FCF Yield
CKHGF converts -1.70% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
1.13
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.006
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.32
vs 25 benchmark
P/S Ratio
Price to sales ratio
7.87
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.04
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.29
vs 25 benchmark
ROA
Return on assets percentage
0.06
vs 25 benchmark
ROCE
Return on capital employed
0.06
vs 25 benchmark
How CKHGF Stacks Against Its Sector Peers
| Metric | CKHGF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 1.13 | 18.73 | Better (Cheaper) |
| ROE | 29.26% | 847.00% | Weak |
| Net Margin | 38.93% | 2562.00% | Weak |
| Debt/Equity | 0.04 | 0.93 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 674.76 | Weak Liquidity |
| ROA | 6.11% | -21692.00% (disorted) | Weak |
CKHGF outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Capitec Bank Holdings Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
43.87%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
100.04%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
3743.12%
Industry Style: Value, Dividend, Cyclical
High Growth