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.
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.
CapitecJSE:CPI -1.51%89 EV-to-FCF is 28.61 as of Aug. 28, 2026, which is 157% above its 10-year median of 11.13. GuruFocus rates JSE:CPI with a GF Score™ of 89/100 and a GF Value™ of R4,349.89 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,179 Banks companies, Capitec ranks worse than 90.08% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Capitec's Enterprise Value is R509,261 Mil.
Capitec's Free Cash Flow for the trailing twelve months (TTM) ended in Feb. 2026 was R17,797 Mil. Therefore, Capitec's EV-to-FCF for today is 28.61.
The historical rank and industry rank for Capitec's EV-to-FCF or its related term are showing as below:
JSE:CPI'
s EV-to-FCF Range Over the Past 10 Years
Min: 4.72 Med: 11.13 Max: 72.2
Current: 29.15
During the past 13 years, the highest EV-to-FCF of Capitec was 72.20. The lowest was 4.72. And the median was 11.13.
JSE:CPI's EV-to-FCF is ranked worse than 90.08% of 1179
companies
in the Banks industry
Industry Median: 7.05
vs JSE:CPI: 29.15
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.
As of today (2026-08-28), Capitec's stock price is R4621.06.
Capitec's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Feb. 2026 was R145.430. Therefore, Capitec's PE Ratio (TTM) for today is 31.78.
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's share price for today is R4621.06.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Capitec's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Feb. 2026 was R145.430.
* 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.
Capitec EV-to-FCF Related Terms
Capitec EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Capitec's EV-to-FCF 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 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Capitec's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Capitec's EV-to-FCF falls into.
Capitec's current Enterprise Value is R509,261 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Capitec's Free Cash Flow for the trailing twelve months (TTM) ended in Feb. 2026 was R17,797 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 (JSE:CPI) has a EV-to-FCF of 28.61 as of Aug. 28, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Capitec and its competitors. This is 157% above median its historical median of 11.13. Over the past decade, Capitec's EV-to-FCF has ranged from 4.72 to 72.20. According to the industry distribution chart, Capitec ranks #1062 out of 1179 companies in the Banks industry, placing it in the top 90.1%.
Is Capitec's EV-to-FCF too high?
Capitec's current EV-to-FCF of 28.61 is 157% above median its 10-year median of 11.13. 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 7.05. Capitec's value of 28.61 is 305.8% above this industry median. Based on the distribution chart, Capitec ranks #1062 out of 1179 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Capitec has a GF Score™ of 89/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Capitec's EV-to-FCF compare to PNC and USB?
According to the Banks industry distribution chart, Capitec ranks #1062 out of 1179 companies for EV-to-FCF. This places Capitec in the lower half of its industry. The industry median EV-to-FCF is 7.05. Capitec's value of 28.61 is 305.8% above this benchmark. Historically, Capitec's own EV-to-FCF has ranged from 4.72 to 72.20 over the past decade. While the company's 10-year median is 11.13 vs. the industry median of 7.05, 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 7.05, based on 1,179 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's current EV-to-FCF of 28.61 is 305.8% 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 and its competitors. For the Banks industry, the median EV-to-FCF is 7.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Capitec's current EV-to-FCF is 28.61, which is 157% above median its own 10-year median of 11.13. 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 (JSE:CPI) is currently considered Fairly Valued. The stock's GF Value™ is R4,349.89, compared to a current price of R4,621.06 — trading 6.2% above its estimated fair value. The current EV-to-FCF is 28.61, which is 157% above median its 10-year median of 11.13 and 305.8% above the Banks industry median of 7.05. Capitec's 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 (JSE:CPI), the current EV-to-FCF is 28.61 as of Aug. 28, 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 (JSE:CPI) Overvalued in 2026?
Based on GuruFocus' analysis, Capitec stock appears to be overvalued.
The current stock price of R4,621.06 is trading 6.2% above its estimated GF Value™ of R4,349.89.
GuruFocus considers Capitec to be Fairly Valued.
Key valuation signals for JSE:CPI:
EV-to-FCF: 28.61 (157% above median its 10-year median of 11.13)
GF Value™: R4,349.89 vs. price of R4,621.06 (6.2% above fair value)
Industry Position: 305.8% above the Banks median (#1062 of 1179)
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 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
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
JSE:CPI has been successfully added to your 
