CKHGF (Capitec) Net Loan: $6,880 Mil (As of Feb. 2026)

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CKHGF Capitec Ltd CKHGF
69 GF Score
Price $283.83
GF Value $146.59
Valuation Significantly Overvalued
! 1 Warning Sign
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What is Capitec Net Loan?

Capitec CKHGF 69 Net Loan is $6,880 Mil as of Feb. 2026. GuruFocus rates CKHGF with a GF Score™ of 69/100 and a GF Value™ of $146.59 (Significantly Overvalued). The stock has 1 warning sign investors should review.

Capitec's quarterly net loan increased from Feb. 2025 ($5,099 Mil) to Aug. 2025 ($5,567 Mil) and increased from Aug. 2025 ($5,567 Mil) to Feb. 2026 ($6,880 Mil).

Capitec's annual net loan increased from Feb. 2024 ($4,605 Mil) to Feb. 2025 ($5,567 Mil) and increased from Feb. 2025 ($5,567 Mil) to Feb. 2026 ($6,880 Mil).

Capitec Net Loan Historical Data

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The historical data trend for Capitec's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Capitec Net Loan Chart

Capitec Annual Data
Trend Feb17 Feb18 Feb19 Feb20 Feb21 Feb22 Feb23 Feb24 Feb25 Feb26
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4,353.42 4,456.03 4,605.10 5,098.50 6,880.32

Capitec Semi-Annual Data
Aug16 Feb17 Aug17 Feb18 Aug18 Feb19 Aug19 Feb20 Aug20 Feb21 Aug21 Feb22 Aug22 Feb23 Aug23 Feb24 Aug24 Feb25 Aug25 Feb26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 4,605.10 5,361.14 5,098.50 5,566.71 6,880.32
CKHGF
69GF Score
Capitec Ltd CKHGF
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Capitec Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $6,880 Mil mean?
Capitec (CKHGF) has a Net Loan of $6,880 Mil as of Feb. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Capitec and its competitors.
Is Capitec's Net Loan too high?
Capitec's current Net Loan is $6,880 Mil. Overall, Capitec has a GF Score™ of 69/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Capitec's Net Loan compare to USB and PNC?
Capitec's Net Loan of $6,880 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Capitec and its competitors. Capitec's current Net Loan is $6,880 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Capitec stock overvalued right now?
Based on GuruFocus' analysis, Capitec (CKHGF) is currently considered Significantly Overvalued. The stock's GF Value™ is $146.59, compared to a current price of $283.83 — trading 93.6% above its estimated fair value. The current Net Loan is $6,880 Mil. Capitec's overall GF Score™ is 69/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Capitec (CKHGF), the current Net Loan is $6,880 Mil as of Feb. 2026. 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 Capitec (CKHGF) Overvalued in 2026?

Based on GuruFocus' analysis, Capitec stock appears to be overvalued. The current stock price of $283.83 is trading 93.6% above its estimated GF Value™ of $146.59. GuruFocus considers Capitec to be Significantly Overvalued.

Key valuation signals for CKHGF:

  • Net Loan: $6,880 Mil
  • GF Value™: $146.59 vs. price of $283.83 (93.6% above fair value)
  • GF Score™: 69/100 with 1 warning sign

No single metric tells the full story. See the CKHGF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Capitec Business Description

Address 5 Neutron Road, Techno Park, Stellenbosch, WC, ZAF, 7600
Capitec Bank Holdings Ltd is a bank holding company along with its subsidiary, which conducts personal and business banking, online consumer lending, rental financing, holds an insurance cell captive, and has an insurance licence for life products. Its segments are Personal Banking, Business Banking, and the Insurance business.
69GF Score

Get the complete analysis for CKHGF

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$283.83
Price
$146.59
GF Value