Capitec Bank HoldingsCKHGY -1.38%89 EV-to-FCF is 30.61 as of Jul. 09, 2026, which is 179% above its 10-year median of 10.97. GuruFocus rates CKHGY with a GF Score™ of 89/100 and a GF Value™ of $129.53 (Modestly Overvalued). The stock has 1 warning sign investors should review. Among 1,191 Banks companies, Capitec Bank Holdings ranks worse than 89.08% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Capitec Bank Holdings's Enterprise Value is $31,980 Mil.
Capitec Bank Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Feb. 2026 was $1,045 Mil. Therefore, Capitec Bank Holdings's EV-to-FCF for today is 30.61.
The historical rank and industry rank for Capitec Bank Holdings's EV-to-FCF or its related term are showing as below:
CKHGY'
s EV-to-FCF Range Over the Past 10 Years
Min: 4.72 Med: 10.97 Max: 72.2
Current: 30.61
During the past 13 years, the highest EV-to-FCF of Capitec Bank Holdings was 72.20. The lowest was 4.72. And the median was 10.97.
CKHGY's EV-to-FCF is ranked worse than 89.08% of 1191
companies
in the Banks industry
Industry Median: 6.57
vs CKHGY: 30.61
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Capitec Bank Holdings (OTCPK:CKHGY) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Capitec Bank Holdings's PE Ratio (TTM) for today is calculated as:
Capitec Bank Holdings's share price for today is $144.92.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Capitec Bank Holdings's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Feb. 2026 was $4.338.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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 Bank Holdings's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 Bank Holdings EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Capitec Bank Holdings's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Capitec Bank Holdings's EV-to-FCF falls into.
Capitec Bank Holdings's current Enterprise Value is $31,980 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Capitec Bank Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Feb. 2026 was $1,045 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.
Capitec Bank Holdings (CKHGY) has a EV-to-FCF of 30.61 as of Jul. 09, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Capitec Bank Holdings and its competitors. This is 179% above median its historical median of 10.97. Over the past decade, Capitec Bank Holdings' EV-to-FCF has ranged from 4.72 to 72.20. According to the industry distribution chart, Capitec Bank Holdings ranks #1061 out of 1191 companies in the Banks industry, placing it in the top 89.1%.
Is Capitec Bank Holdings' EV-to-FCF too high?
Capitec Bank Holdings' current EV-to-FCF of 30.61 is 179% above median its 10-year median of 10.97. Over the past 10 years, this metric has ranged from a low of 4.72 to a high of 72.20. The Banks industry median EV-to-FCF is 6.57. Capitec Bank Holdings' value of 30.61 is 365.9% above this industry median. Based on the distribution chart, Capitec Bank Holdings ranks #1061 out of 1191 companies in the Banks industry, which is in the bottom quartile relative to peers. 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' EV-to-FCF compare to PNC and USB?
According to the Banks industry distribution chart, Capitec Bank Holdings ranks #1061 out of 1191 companies for EV-to-FCF. This places Capitec Bank Holdings in the lower half of its industry. The industry median EV-to-FCF is 6.57. Capitec Bank Holdings' value of 30.61 is 365.9% above this benchmark. Historically, Capitec Bank Holdings' own EV-to-FCF has ranged from 4.72 to 72.20 over the past decade. While the company's 10-year median is 10.97 vs. the industry median of 6.57, Capitec Bank Holdings 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,191 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Capitec Bank Holdings's current EV-to-FCF of 30.61 is 365.9% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Capitec Bank Holdings and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Capitec Bank Holdings's current EV-to-FCF is 30.61, which is 179% above median its own 10-year median of 10.97. 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 (CKHGY) is currently considered Modestly Overvalued. The stock's GF Value™ is $129.53, compared to a current price of $144.92 — trading 11.9% above its estimated fair value. The current EV-to-FCF is 30.61, which is 179% above median its 10-year median of 10.97 and 365.9% above the Banks industry median of 6.57. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Capitec Bank Holdings (CKHGY), the current EV-to-FCF is 30.61 as of Jul. 09, 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 (CKHGY) Overvalued in 2026?
Based on GuruFocus' analysis, Capitec Bank Holdings stock appears to be overvalued.
The current stock price of $144.92 is trading 11.9% above its estimated GF Value™ of $129.53.
GuruFocus considers Capitec Bank Holdings to be Modestly Overvalued.
Key valuation signals for CKHGY:
EV-to-FCF: 30.61 (179% above median its 10-year median of 10.97)
GF Value™: $129.53 vs. price of $144.92 (11.9% above fair value)
Industry Position: 365.9% above the Banks median (#1061 of 1191)
No single metric tells the full story. See the CKHGY 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.
89GF Score
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