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Capricorn GroupNAM:CGP +0.73%72 3-Year Book Growth Rate is 14.40% as of Dec. 2025, which is 100% above its 10-year median of 7.20. GuruFocus rates NAM:CGP with a GF Score™ of 72/100 and a GF Value™ of R24.73 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,487 Banks companies, Capricorn Group ranks better than 76.26% on this metric.
During the past 12 months, Capricorn Group's average Book Value per Share Growth Rate was 7.20% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 14.40% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 12.30% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 4.50% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Capricorn Group was 14.40% per year. The lowest was -12.30% per year. And the median was 7.20% per year.
Capricorn Group (NAM:CGP) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Capricorn Group 3-Year Book Growth Rate Related Terms
NAM:CGP vs USB, PNC: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, Capricorn Group's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Capricorn Group 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Capricorn Group's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Capricorn Group's 3-Year Book Growth Rate falls into.
Capricorn Group 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 14.40% mean?
Capricorn Group (NAM:CGP) has a 3-Year Book Growth Rate of 14.40% as of Dec. 2025. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Capricorn Group and its competitors. This is 100% above median its historical median of 7.20. According to the industry distribution chart, Capricorn Group ranks #353 out of 1487 companies in the Banks industry, placing it in the top 23.7%.
Is Capricorn Group's 3-Year Book Growth Rate too high?
Capricorn Group's current 3-Year Book Growth Rate of 14.40% is 100% above median its 10-year median of 7.20. The Banks industry median 3-Year Book Growth Rate is 8.80. Capricorn Group's value of 14.40% is 63.6% above this industry median. Based on the distribution chart, Capricorn Group ranks #353 out of 1487 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Capricorn Group has a GF Score™ of 72/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Capricorn Group's 3-Year Book Growth Rate compare to USB and PNC?
According to the Banks industry distribution chart, Capricorn Group ranks #353 out of 1487 companies for 3-Year Book Growth Rate. This places Capricorn Group in the top 24% of its industry — outperforming the majority of peers. The industry median 3-Year Book Growth Rate is 8.80. Capricorn Group's value of 14.40% is 63.6% above this benchmark. While the company's 10-year median is 7.20 vs. the industry median of 8.80, Capricorn Group has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.80, based on 1,487 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Capricorn Group's current 3-Year Book Growth Rate of 14.40% is 63.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Capricorn Group and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Capricorn Group's current 3-Year Book Growth Rate is 14.40%, which is 100% above median its own 10-year median of 7.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Capricorn Group stock overvalued right now?
Based on GuruFocus' analysis, Capricorn Group (NAM:CGP) is currently considered Modestly Overvalued. The stock's GF Value™ is R24.73, compared to a current price of R28.81 — trading 16.5% above its estimated fair value. The current 3-Year Book Growth Rate is 14.40%, which is 100% above median its 10-year median of 7.20 and 63.6% above the Banks industry median of 8.80. Capricorn Group's overall GF Score™ is 72/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Capricorn Group (NAM:CGP), the current 3-Year Book Growth Rate is 14.40% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Capricorn Group (NAM:CGP) Overvalued in 2026?
Based on GuruFocus' analysis, Capricorn Group stock appears to be overvalued.
The current stock price of R28.81 is trading 16.5% above its estimated GF Value™ of R24.73.
GuruFocus considers Capricorn Group to be Modestly Overvalued.
Key valuation signals for NAM:CGP:
3-Year Book Growth Rate: 14.40% (100% above median its 10-year median of 7.20)
GF Value™: R24.73 vs. price of R28.81 (16.5% above fair value)
Industry Position: 63.6% above the Banks median (#353 of 1487)
No single metric tells the full story. See the NAM:CGP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Capricorn Group Ltd is a Namibia-based financial services group. It operates as an investment holding company with interests in banking, insurance, asset management, and microlending. The banking operation is the company's two operating segments, which include banking activities in Namibia and Botswana, as well as term lending and related activities in Namibia. Other components include property development, asset management, and unit trust management. The majority of the company's revenue comes from its banking operations in Namibia.
72GF Score
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