Business Description
Capitec Bank Holdings Ltd
ISIN : US14056U1079
Share Class Description:
CKHGY: ADRCompare
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Traded in other countries / regions
CPI.South AfricaCKHGY.USA IPO Date
2009-07-29Description
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.
Financial Strength
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Cash-To-Debt | 4.19 | |||||
| Equity-to-Asset | 0.21 | |||||
| Debt-to-Equity | 0.12 | |||||
| Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
| Interest Coverage | N/A |
N/A
|
N/A
| |||
| Piotroski F-Score | 7/9 | |||||
| Beneish M-Score | -2.42 | |||||
| WACC vs ROIC | ||||||
Growth Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | 16.2 | |||||
| 3-Year EPS without NRI Growth Rate | 32.2 | |||||
| 3-Year FCF Growth Rate | -23.1 | |||||
| 3-Year Book Growth Rate | 13.3 | |||||
| Future 3-5Y EPS without NRI Growth Rate | 19.3 |
Momentum Rank
10/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 77.99 | |||||
| 9-Day RSI | 65.98 | |||||
| 14-Day RSI | 60.7 | |||||
| 6-1 Month Momentum % | 27.1 | |||||
| 12-1 Month Momentum % | 7.79 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Dividend Yield % | 1.84 | |||||
| Dividend Payout Ratio | 0.48 | |||||
| Forward Dividend Yield % | 1.84 | |||||
| 5-Year Yield-on-Cost % | 1.84 | |||||
| 3-Year Average Share Buyback Ratio | -0.1 | |||||
| Shareholder Yield % | 1.75 |
Profitability Rank
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Net Margin % | 29.32 | |||||
| FCF Margin % | 36.53 | |||||
| ROE % | 26.24 | |||||
| ROA % | 5.29 | |||||
| Years of Profitability over Past 10-Year | 10 |
GF Value Rank
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 25.45 | |||||
| PE Ratio without NRI | 25.41 | |||||
| Shiller PE Ratio | 39.41 | |||||
| Price-to-Owner-Earnings | 51.82 | |||||
| PEG Ratio | 1.72 | |||||
| PS Ratio | 7.57 | |||||
| PB Ratio | 6.29 | |||||
| Price-to-Tangible-Book | 6.49 | |||||
| Price-to-Free-Cash-Flow | 20.79 | |||||
| Price-to-Operating-Cash-Flow | 19.11 | |||||
| EV-to-Revenue | 6.88 | |||||
| EV-to-FCF | 18.44 | |||||
| Price-to-Projected-FCF | 1.14 | |||||
| Price-to-DCF (Earnings Based) | 1.79 | |||||
| Price-to-DCF (FCF Based) | 2.76 | |||||
| Price-to-Median-PS-Value | 1.16 | |||||
| Price-to-Peter-Lynch-Fair-Value | 1.74 | |||||
| Price-to-Graham-Number | 2.73 | |||||
| FCF Yield % | 4.89 | |||||
| Forward Rate of Return (Yacktman) % | 20.32 |
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