ClienteleJSE:CLI 58 EBITDA Margin % is 22.71% as of Dec. 2025, which is 16% below its 10-year median of 26.97. GuruFocus rates JSE:CLI with a GF Score™ of 58/100 and a GF Value™ of R18.41 (Fairly Valued). The stock has 7 warning signs investors should review. Among 369 Insurance companies, Clientele ranks better than 72.9% on this metric.
EBITDA Margin % is calculated as EBITDA divided by its Revenue. Clientele's EBITDA for the
six
months ended in Dec. 2025 was R720 Mil. Clientele's Revenue for the
six
months ended in Dec. 2025 was R3,172 Mil. Therefore, Clientele's EBITDA margin for the quarter that ended in Dec. 2025 was 22.71%.
Clientele (JSE:CLI) EBITDA Margin % Explanation
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
Clientele EBITDA Margin % Related Terms
Clientele EBITDA Margin % Historical Data
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The historical data trend for Clientele's EBITDA Margin % 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.
JSE:CLI vs BRK.A, AIG, HIG: EBITDA Margin % Comparison
For the Insurance - Diversified subindustry, Clientele's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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.
Clientele EBITDA Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Clientele's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where Clientele's EBITDA Margin % falls into.
* 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 (JSE:CLI) has a EBITDA Margin % of 22.71% as of Dec. 2025. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Clientele and its competitors. This is 16% below median its historical median of 26.97. Over the past decade, Clientele's EBITDA Margin % has ranged from 19.85 to 32.73. According to the industry distribution chart, Clientele ranks #100 out of 369 companies in the Insurance industry, placing it in the top 27.1%.
Is Clientele's EBITDA Margin % too high?
Clientele's current EBITDA Margin % of 22.71% is 16% below median its 10-year median of 26.97. Over the past 10 years, this metric has ranged from a low of 19.85 to a high of 32.73. The Insurance industry median EBITDA Margin % is 14.81. Clientele's value of 22.71% is 53.3% above this industry median. Based on the distribution chart, Clientele ranks #100 out of 369 companies in the Insurance industry, which is above the industry midpoint. Overall, Clientele has a GF Score™ of 58/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Clientele's EBITDA Margin % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Clientele ranks #100 out of 369 companies for EBITDA Margin %. This puts Clientele in the upper half of its industry. The industry median EBITDA Margin % is 14.81. Clientele's value of 22.71% is 53.3% above this benchmark. Historically, Clientele's own EBITDA Margin % has ranged from 19.85 to 32.73 over the past decade. While the company's 10-year median is 26.97 vs. the industry median of 14.81, Clientele 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 EBITDA Margin % for an Insurance company?
The median EBITDA Margin % among Insurance companies is 14.81, based on 369 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Clientele's current EBITDA Margin % of 22.71% is 53.3% 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 EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Clientele and its competitors. For the Insurance industry, the median EBITDA Margin % is 14.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Clientele's current EBITDA Margin % is 22.71%, which is 16% below median its own 10-year median of 26.97. 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 R18.41, compared to a current price of R19.71 — trading 7.1% above its estimated fair value. The current EBITDA Margin % is 22.71%, which is 16% below median its 10-year median of 26.97 and 53.3% above the Insurance industry median of 14.81. Clientele's overall GF Score™ is 58/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For Clientele (JSE:CLI), the current EBITDA Margin % is 22.71% 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 7.1% above its estimated GF Value™ of R18.41.
GuruFocus considers Clientele to be Fairly Valued.
Key valuation signals for JSE:CLI:
EBITDA Margin %: 22.71% (16% below median its 10-year median of 26.97)
GF Value™: R18.41 vs. price of R19.71 (7.1% above fair value)
Industry Position: 53.3% above the Insurance median (#100 of 369)
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 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.
58GF Score
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