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CapitecCKHGF 69 Equity-to-Asset is 0.23 as of Feb. 2026, which is 10% above its 10-year median of 0.21. GuruFocus rates CKHGF with a GF Score™ of 69/100 and a GF Value™ of $152.82 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,517 Banks companies, Capitec ranks better than 94.53% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Capitec's Total Stockholders Equity for the quarter that ended in Feb. 2026 was $3,719 Mil. Capitec's Total Assets for the quarter that ended in Feb. 2026 was $16,462 Mil.
Therefore, Capitec's Equity to Asset Ratio for the quarter that ended in Feb. 2026 was 0.23.
The historical rank and industry rank for Capitec's Equity-to-Asset or its related term are showing as below:
CKHGF'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.19 Med: 0.21 Max: 0.23
Current: 0.23
During the past 13 years, the highest Equity to Asset Ratio of Capitec was 0.23. The lowest was 0.19. And the median was 0.21.
CKHGF's Equity-to-Asset is ranked better than 94.53% of 1517
companies
in the Banks industry
Industry Median: 0.1
vs CKHGF: 0.23
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Capitec Equity-to-Asset Related Terms
Capitec Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Capitec's Equity-to-Asset 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.
For the Banks - Regional subindustry, Capitec's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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.
Capitec Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Capitec's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Capitec's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Capitec's Equity to Asset Ratio for the fiscal year that ended in Feb. 2026 is calculated as
* 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 (CKHGF) has a Equity-to-Asset of 0.23 as of Feb. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Capitec and its competitors. This is 10% above median its historical median of 0.21. Over the past decade, Capitec's Equity-to-Asset has ranged from 0.19 to 0.23. According to the industry distribution chart, Capitec ranks #83 out of 1517 companies in the Banks industry, placing it in the top 5.5%.
Is Capitec's Equity-to-Asset too high?
Capitec's current Equity-to-Asset of 0.23 is 10% above median its 10-year median of 0.21. Over the past 10 years, this metric has ranged from a low of 0.19 to a high of 0.23. The Banks industry median Equity-to-Asset is 0.10. Capitec's value of 0.23 is 130% above this industry median. Based on the distribution chart, Capitec ranks #83 out of 1517 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Equity-to-Asset compare to USB and PNC?
According to the Banks industry distribution chart, Capitec ranks #83 out of 1517 companies for Equity-to-Asset. This places Capitec in the top 6% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. Capitec's value of 0.23 is 130% above this benchmark. Historically, Capitec's own Equity-to-Asset has ranged from 0.19 to 0.23 over the past decade. While the company's 10-year median is 0.21 vs. the industry median of 0.10, Capitec 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Capitec's current Equity-to-Asset of 0.23 is 130% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Capitec and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Capitec's current Equity-to-Asset is 0.23, which is 10% above median its own 10-year median of 0.21. 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 $152.82, compared to a current price of $283.83 — trading 85.7% above its estimated fair value. The current Equity-to-Asset is 0.23, which is 10% above median its 10-year median of 0.21 and 130% above the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Capitec (CKHGF), the current Equity-to-Asset is 0.23 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 85.7% above its estimated GF Value™ of $152.82.
GuruFocus considers Capitec to be Significantly Overvalued.
Key valuation signals for CKHGF:
Equity-to-Asset: 0.23 (10% above median its 10-year median of 0.21)
GF Value™: $152.82 vs. price of $283.83 (85.7% above fair value)
Industry Position: 130% above the Banks median (#83 of 1517)
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 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
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