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CapitecJSE:CPI -0.41%88 FCF Margin % is 24.19% as of Feb. 2026, which is 55% below its 10-year median of 53.79. GuruFocus rates JSE:CPI with a GF Score™ of 88/100 and a GF Value™ of R4,358.78 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,494 Banks companies, Capitec ranks better than 61.65% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Capitec's Free Cash Flow for the
six
months ended in Feb. 2026 was R6,503 Mil. Capitec's Revenue for the
six
months ended in Feb. 2026 was R26,881 Mil. Therefore, Capitec's FCF Margin % for the quarter that ended in Feb. 2026 was 24.19%.
The historical data trend for Capitec's FCF 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.
For the Banks - Regional subindustry, Capitec's FCF Margin %, along with its competitors' market caps and FCF 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.
Capitec FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Capitec's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Capitec's FCF 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.
Capitec (JSE:CPI) has a FCF Margin % of 24.19% as of Feb. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Capitec and its competitors. This is 55% below median its historical median of 53.79. Over the past decade, Capitec's FCF Margin % has ranged from 10.39 to 125.60. According to the industry distribution chart, Capitec ranks #573 out of 1494 companies in the Banks industry, placing it in the top 38.4%.
Is Capitec's FCF Margin % too high?
Capitec's current FCF Margin % of 24.19% is 55% below median its 10-year median of 53.79. Over the past 10 years, this metric has ranged from a low of 10.39 to a high of 125.60. The Banks industry median FCF Margin % is 27.41. Capitec's value of 24.19% is 11.7% below this industry median. Based on the distribution chart, Capitec ranks #573 out of 1494 companies in the Banks industry, which is above the industry midpoint. Overall, Capitec has a GF Score™ of 88/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Capitec's FCF Margin % compare to USB and PNC?
According to the Banks industry distribution chart, Capitec ranks #573 out of 1494 companies for FCF Margin %. This puts Capitec in the upper half of its industry. The industry median FCF Margin % is 27.41. Capitec's value of 24.19% is 11.7% below this benchmark. Historically, Capitec's own FCF Margin % has ranged from 10.39 to 125.60 over the past decade. While the company's 10-year median is 53.79 vs. the industry median of 27.41, Capitec has consistently been below 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 27.41, based on 1,494 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Capitec's current FCF Margin % of 24.19% is 11.7% below 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Capitec and its competitors. For the Banks industry, the median FCF Margin % is 27.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Capitec's current FCF Margin % is 24.19%, which is 55% below median its own 10-year median of 53.79. 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 R4,358.78, compared to a current price of R4,631.65 — trading 6.3% above its estimated fair value. The current FCF Margin % is 24.19%, which is 55% below median its 10-year median of 53.79 and 11.7% below the Banks industry median of 27.41. Capitec's overall GF Score™ is 88/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Capitec (JSE:CPI), the current FCF Margin % is 24.19% 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 (JSE:CPI) Overvalued in 2026?
Based on GuruFocus' analysis, Capitec stock appears to be overvalued.
The current stock price of R4,631.65 is trading 6.3% above its estimated GF Value™ of R4,358.78.
GuruFocus considers Capitec to be Fairly Valued.
Key valuation signals for JSE:CPI:
FCF Margin %: 24.19% (55% below median its 10-year median of 53.79)
GF Value™: R4,358.78 vs. price of R4,631.65 (6.3% above fair value)
Industry Position: 11.7% below the Banks median (#573 of 1494)
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.
88GF Score
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