Business Description
Clientele Ltd
ISIN : ZAE000117438
Total Employee Number:
4,393Description
Clientele Ltd is a diversified financial services group. It markets, distributes, and underwrites insurance and investment products. The company's operating segment includes Clientele Life Insurance, 1Life Insurance, Non-Life Insurance, Emerald Life Insurance, and CBC Rewards, Mobile & Direct Rewards. Its insurance products and services include Legal, Mobile, Wealth, Credit Life, Investments, and others. It generates maximum revenue from the 1Life insurance segment, which involves the sale and administration of long-term insurance risk policies. The group currently operates in the South African market only.
Financial Strength
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 0.57 | |||||
Equity-to-Asset | 0.32 | |||||
Debt-to-Equity | 0.11 | |||||
Debt-to-EBITDA | 0.64 | |||||
Interest Coverage | 21.17 | |||||
Piotroski F-Score | 6/9 | |||||
Beneish M-Score | -1.94 | |||||
WACC vs ROIC | ||||||
Growth Rank
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | 11.6 | |||||
3-Year EBITDA Growth Rate | 13.6 | |||||
3-Year EPS without NRI Growth Rate | 5.1 | |||||
3-Year FCF Growth Rate | 45.9 | |||||
3-Year Book Growth Rate | 10.1 |
Momentum Rank
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 61.18 | |||||
9-Day RSI | 61.5 | |||||
14-Day RSI | 62.68 | |||||
3-1 Month Momentum % | 24.19 | |||||
6-1 Month Momentum % | 37.6 | |||||
12-1 Month Momentum % | 60.28 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Dividend Yield % | 6.7 | |||||
Dividend Payout Ratio | 0.73 | |||||
3-Year Dividend Growth Rate | 4.4 | |||||
Forward Dividend Yield % | 6.7 | |||||
5-Year Yield-on-Cost % | 7.4 | |||||
3-Year Average Share Buyback Ratio | -10.6 | |||||
Shareholder Yield % | 0.25 |
Profitability Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Net Margin % | 15.77 | |||||
EBITDA Margin % | 23.97 | |||||
FCF Margin % | 6.86 | |||||
OCF Margin % | 7.66 | |||||
ROE % | 13.37 | |||||
ROA % | 4.07 | |||||
ROIC % | 4.42 | |||||
3-Year ROIIC % | 10.54 | |||||
Years of Profitability over Past 10-Year | 10 |
GF Value Rank
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 10.94 | |||||
PE Ratio without NRI | 10.94 | |||||
Shiller PE Ratio | 12.31 | |||||
PEG Ratio | 1.33 | |||||
PS Ratio | 1.72 | |||||
PB Ratio | 1.25 | |||||
Price-to-Tangible-Book | 1.4 | |||||
Price-to-Free-Cash-Flow | 24.98 | |||||
Price-to-Operating-Cash-Flow | 22.35 | |||||
EV-to-EBIT | 7.66 | |||||
EV-to-EBITDA | 7.66 | |||||
EV-to-Revenue | 1.84 | |||||
EV-to-FCF | 26.77 | |||||
Price-to-GF-Value | 1.07 | |||||
Price-to-Projected-FCF | 1.72 | |||||
Price-to-Median-PS-Value | 0.94 | |||||
Price-to-Peter-Lynch-Fair-Value | 1.65 | |||||
Price-to-Graham-Number | 0.83 | |||||
Earnings Yield (Greenblatt) % | 13.05 | |||||
FCF Yield % | 3.88 | |||||
Forward Rate of Return (Yacktman) % | 9.1 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
Guru Trades
See DetailsInsider Trades
See DetailsPeter Lynch Chart
Performance
Dividend
Log
Bar
Annualized Return % Â
Total Annual Return % Â
Clientele Ltd Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil R) | 5,205.658 | ||
| EPS (TTM) (R) | 1.802 | ||
| Beta | - | ||
| 3-Year Sharpe Ratio | 0.36 | ||
| 3-Year Sortino Ratio | 0.58 | ||
| Volatility % | 22.67 | ||
| 14-Day RSI | 62.68 | ||
| 14-Day ATR (R) | 0.195257 | ||
| 20-Day SMA (R) | 19.548 | ||
| 12-1 Month Momentum % | 60.28 | ||
| 52-Week Range (R) | 11.96 - 19.9 | ||
| Shares Outstanding (Mil) | 466.87 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 6 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
Clientele Ltd Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
Clientele Ltd Stock Events
| Event | Date | Price (R) | ||
|---|---|---|---|---|
| ZAR 1.320000 Cash Dividend | 2025-09-23 | 14.78 (-0.74%) | ||
| ZAR 1.250000 Cash Dividend | 2024-10-09 | 12.78 (+0.24%) |
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Clientele Ltd Frequently Asked Questions
What is Clientele Ltd(JSE:CLI)'s stock price today?
The current price of JSE:CLI is R19.71. The 52 week high of JSE:CLI is R19.90 and 52 week low is R11.96.
When is next earnings date of Clientele Ltd(JSE:CLI)?
The next earnings date of Clientele Ltd(JSE:CLI) is .
Does Clientele Ltd(JSE:CLI) pay dividends? If so, how much?
The Dividend Yield %  of Clientele Ltd(JSE:CLI) is 6.7% (As of Today), Highest Dividend Payout Ratio of Clientele Ltd(JSE:CLI) was 1.32. The lowest was 0.72. And the median was 0.87. The  Forward Dividend Yield % of Clientele Ltd(JSE:CLI) is 6.7%. For more information regarding to dividend, please check our Dividend Page.
Press Release
| Subject | Date | |||
|---|---|---|---|---|
| No Press Release | ||||
Articles on Clientele Ltd
No articles.
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