Capitec Bank Holdings (JSE:CPI) EPS (Basic): R145.90 (TTM As of Feb. 2026)


JSE:CPI Capitec Bank Holdings Ltd JSE:CPI
89 GF Score
Price R4,672.20
GF Value R4,227.98
Valuation Modestly Overvalued
! 1 Warning Sign
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What is Capitec Bank Holdings EPS (Basic)?

Capitec Bank Holdings JSE:CPI -0.73% 89 EPS (Basic) is R145.90 as of Feb. 2026. GuruFocus rates JSE:CPI with a GF Score™ of 89/100 and a GF Value™ of R4,227.98 (Modestly Overvalued). The stock has 1 warning sign investors should review.

Capitec Bank Holdings's basic earnings per share (Basic EPS) for the six months ended in Feb. 2026 was R76.63. Its basic earnings per share (Basic EPS) for the trailing twelve months (TTM) ended in Feb. 2026 was R145.90.

Capitec Bank Holdings's EPS (Diluted) for the six months ended in Feb. 2026 was R76.33. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Feb. 2026 was R145.43.

Capitec Bank Holdings's EPS without NRI for the six months ended in Feb. 2026 was R76.15. Its EPS without NRIearnings per share without non-recurring items for the trailing twelve months (TTM) ended in Feb. 2026 was 145.60.

During the past 12 months, Capitec Bank Holdings's average EPS without NRIGrowth Rate was 22.60% per year. During the past 3 years, the average EPS without NRI Growth Rate was 22.50% per year. During the past 5 years, the average EPS without NRI Growth Rate was 26.10% per year. During the past 10 years, the average EPS without NRI Growth Rate was 17.20% 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 EPS without NRI Growth Rate using EPS without NRI data.

During the past 13 years, Capitec Bank Holdings's highest 3-Year average EPS without NRI Growth Rate was 51.80% per year. The lowest was 1.00% per year. And the median was 24.75% per year.

Capitec Bank Holdings  (JSE:CPI) EPS (Basic) Explanation

EPS is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.

Be Aware

Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.

If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.

Capitec Bank Holdings EPS (Basic) Related Terms

Capitec Bank Holdings EPS (Basic) Historical Data

* Premium members only.

The historical data trend for Capitec Bank Holdings's EPS (Basic) 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 Bank Holdings EPS (Basic) Chart

Capitec Bank Holdings Annual Data
Trend Feb17 Feb18 Feb19 Feb20 Feb21 Feb22 Feb23 Feb24 Feb25 Feb26
EPS (Basic)
Get a 7-Day Free Trial Premium Member Only Premium Member Only 73.71 79.33 91.56 119.11 145.90

Capitec Bank Holdings Semi-Annual Data
Aug16 Feb17 Aug17 Feb18 Aug18 Feb19 Aug19 Feb20 Aug20 Feb21 Aug21 Feb22 Aug22 Feb23 Aug23 Feb24 Aug24 Feb25 Aug25 Feb26
EPS (Basic) 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 50.88 55.67 63.44 69.27 76.63
JSE:CPI
89GF Score
Capitec Bank Holdings Ltd JSE:CPI
EPS (Basic) is just one metric. See GF Score™, valuation, warning signs, and more.
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Capitec Bank Holdings EPS (Basic) Calculation

EPS (Basic) is a rough measurement of the amount of a company's profit that can be allocated to one share of its stock. Basic earnings per share (EPS) do not factor in the dilutive effects on convertible securities.

Capitec Bank Holdings's Basic EPS for the fiscal year that ended in Feb. 2026 is calculated as

Basic EPS (A: Feb. 2026 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(16833.389-4.082)/115.351
=145.90

Capitec Bank Holdings's Basic EPS for the quarter that ended in Feb. 2026 is calculated as

Basic EPS (Q: Feb. 2026 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(8841.389-2.082)/115.355
=76.63

EPS (Basic) for the trailing twelve months (TTM) ended in Feb. 2026 adds up the semi-annually data reported by the company within the most recent 12 months, which was R145.90

* 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 EPS (Basic) →
What does a EPS (Basic) of R145.90 mean?
Capitec Bank Holdings (JSE:CPI) has a EPS (Basic) of R145.90 as of Feb. 2026. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on Capitec Bank Holdings and its competitors.
Is Capitec Bank Holdings' EPS (Basic) too high?
Capitec Bank Holdings' current EPS (Basic) is R145.90. Overall, Capitec Bank Holdings has a GF Score™ of 89/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Capitec Bank Holdings' EPS (Basic) compare to PNC and USB?
Capitec Bank Holdings' EPS (Basic) of R145.90 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 EPS (Basic) for a Banks company?
A good EPS (Basic) depends on the Banks industry context. However, EPS (Basic) 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 EPS (Basic) mean?
A high EPS (Basic) can signal that a stock is expensive relative to its fundamentals. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on Capitec Bank Holdings and its competitors. Capitec Bank Holdings's current EPS (Basic) is R145.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Capitec Bank Holdings stock overvalued right now?
Based on GuruFocus' analysis, Capitec Bank Holdings (JSE:CPI) is currently considered Modestly Overvalued. The stock's GF Value™ is R4,227.98, compared to a current price of R4,672.20 — trading 10.5% above its estimated fair value. The current EPS (Basic) is R145.90. Capitec Bank Holdings' overall GF Score™ is 89/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EPS (Basic) calculated?
EPS (Basic) is calculated from a company's financial statements. For Capitec Bank Holdings (JSE:CPI), the current EPS (Basic) is R145.90 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 Bank Holdings (JSE:CPI) Overvalued in 2026?

Based on GuruFocus' analysis, Capitec Bank Holdings stock appears to be overvalued. The current stock price of R4,672.20 is trading 10.5% above its estimated GF Value™ of R4,227.98. GuruFocus considers Capitec Bank Holdings to be Modestly Overvalued.

Key valuation signals for JSE:CPI:

  • EPS (Basic): R145.90
  • GF Value™: R4,227.98 vs. price of R4,672.20 (10.5% above fair value)
  • GF Score™: 89/100 with 1 warning sign

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

Capitec Bank Holdings 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.
89GF Score

Get the complete analysis for JSE:CPI

EPS (Basic) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

R4,672.20
Price
R4,227.98
GF Value