Clientele (JSE:CLI) Issuance of Debt: R570 Mil (TTM As of Dec. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

JSE:CLI Clientele Ltd JSE:CLI
51 GF Score
Price R19.71
GF Value R18.71
Valuation Fairly Valued
! 8 Warning Signs
View Full Analysis

What is Clientele Issuance of Debt?

Clientele JSE:CLI 51 Issuance of Debt is R570 Mil as of Dec. 2025. GuruFocus rates JSE:CLI with a GF Score™ of 51/100 and a GF Value™ of R18.71 (Fairly Valued). The stock has 8 warning signs investors should review.

Clientele's Issuance of Debt for the six months ended in Dec. 2025 was R0 Mil.

Clientele's Issuance of Debt for the trailing twelve months (TTM) ended in Dec. 2025 was R570 Mil.

Clientele Issuance of Debt Related Terms

Clientele Issuance of Debt Historical Data

* Premium members only.

The historical data trend for Clientele's Issuance of Debt 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.

Clientele Issuance of Debt Chart

Clientele Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Issuance of Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 204.81 570.00

Clientele Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Issuance of Debt 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 95.64 109.17 0.00 570.00 0.00
JSE:CLI
51GF Score
Clientele Ltd JSE:CLI
Issuance of Debt is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Clientele Issuance of Debt Calculation

Issuance of Debt represents all the cash inflow from debt, including both long-term debt and short-term debt.

Issuance of Debt for the trailing twelve months (TTM) ended in Dec. 2025 adds up the semi-annually data reported by the company within the most recent 12 months, which was R570 Mil.

* 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.

Frequently Asked Questions Learn more about Issuance of Debt →
What does a Issuance of Debt of R570 Mil mean?
Clientele (JSE:CLI) has a Issuance of Debt of R570 Mil as of Dec. 2025. Issuance of Debt is all the cash inflow from debt, including both long-term debt and short-term debt. View historical data on Clientele and its competitors.
Is Clientele's Issuance of Debt too high?
Clientele's current Issuance of Debt is R570 Mil. Overall, Clientele has a GF Score™ of 51/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Clientele's Issuance of Debt compare to BRK.A and AIG?
Clientele's Issuance of Debt of R570 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Issuance of Debt for an Insurance company?
A good Issuance of Debt depends on the Insurance industry context. However, Issuance of Debt 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 Issuance of Debt mean?
A high Issuance of Debt can signal that a stock is expensive relative to its fundamentals. Issuance of Debt is all the cash inflow from debt, including both long-term debt and short-term debt. View historical data on Clientele and its competitors. Clientele's current Issuance of Debt is R570 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Clientele stock overvalued right now?
Based on GuruFocus' analysis, Clientele (JSE:CLI) is currently considered Fairly Valued. The stock's GF Value™ is R18.71, compared to a current price of R19.71 — trading 5.3% above its estimated fair value. The current Issuance of Debt is R570 Mil. Clientele's overall GF Score™ is 51/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Issuance of Debt calculated?
Issuance of Debt is calculated from a company's financial statements. For Clientele (JSE:CLI), the current Issuance of Debt is R570 Mil 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 Clientele (JSE:CLI) Overvalued in 2026?

Based on GuruFocus' analysis, Clientele stock appears to be overvalued. The current stock price of R19.71 is trading 5.3% above its estimated GF Value™ of R18.71. GuruFocus considers Clientele to be Fairly Valued.

Key valuation signals for JSE:CLI:

  • Issuance of Debt: R570 Mil
  • GF Value™: R18.71 vs. price of R19.71 (5.3% above fair value)
  • GF Score™: 51/100 with 8 warning signs

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

Clientele Business Description

Address Corner Rivonia and Alon Roads Morningside, Clientele Office Park, Johannesburg, GT, ZAF, 2196
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.
51GF Score

Get the complete analysis for JSE:CLI

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

R19.71
Price
R18.71
GF Value