Clientele (JSE:CLI) Long-Term Debt: R780 Mil (As of Dec. 2025)

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JSE:CLI Clientele Ltd JSE:CLI
47 GF Score
Price R19.71
GF Value R18.53
Valuation Fairly Valued
! 8 Warning Signs
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What is Clientele Long-Term Debt?

Clientele JSE:CLI 47 Long-Term Debt is R780 Mil as of Dec. 2025. GuruFocus rates JSE:CLI with a GF Score™ of 47/100 and a GF Value™ of R18.53 (Fairly Valued). The stock has 8 warning signs investors should review.

Clientele's Long-Term Debt for the quarter that ended in Dec. 2025 was R780 Mil.

Clientele's quarterly Long-Term Debt increased from Dec. 2024 (R205 Mil) to Jun. 2025 (R733 Mil) and increased from Jun. 2025 (R733 Mil) to Dec. 2025 (R780 Mil).

Clientele's annual Long-Term Debt increased from Jun. 2023 (R100 Mil) to Jun. 2024 (R205 Mil) and increased from Jun. 2024 (R205 Mil) to Jun. 2025 (R733 Mil).

Clientele  (JSE:CLI) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

Clientele Long-Term Debt Related Terms

Clientele Long-Term Debt Historical Data

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The historical data trend for Clientele's Long-Term Debt 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.

Clientele Long-Term Debt Chart

Clientele Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 110.03 100.00 100.00 204.81 733.22

Clientele Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Long-Term Debt 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 195.64 204.81 204.90 733.22 780.34
JSE:CLI
47GF Score
Clientele Ltd JSE:CLI
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of R780 Mil mean?
Clientele (JSE:CLI) has a Long-Term Debt of R780 Mil as of Dec. 2025.
Is Clientele's Long-Term Debt too high?
Clientele's current Long-Term Debt is R780 Mil. Overall, Clientele has a GF Score™ of 47/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Clientele's Long-Term Debt compare to BRK.A and AIG?
Clientele's Long-Term Debt of R780 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Long-Term Debt for an Insurance company?
A good Long-Term Debt depends on the Insurance industry context. However, Long-Term Debt 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 Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. Clientele's current Long-Term Debt is R780 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Clientele stock overvalued right now?
Based on GuruFocus' analysis, Clientele (JSE:CLI) is currently considered Fairly Valued. The stock's GF Value™ is R18.53, compared to a current price of R19.71 — trading 6.4% above its estimated fair value. The current Long-Term Debt is R780 Mil. Clientele's overall GF Score™ is 47/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For Clientele (JSE:CLI), the current Long-Term Debt is R780 Mil as of Dec. 2025. 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 Clientele (JSE:CLI) Overvalued in 2026?

Based on GuruFocus' analysis, Clientele stock appears to be overvalued. The current stock price of R19.71 is trading 6.4% above its estimated GF Value™ of R18.53. GuruFocus considers Clientele to be Fairly Valued.

Key valuation signals for JSE:CLI:

  • Long-Term Debt: R780 Mil
  • GF Value™: R18.53 vs. price of R19.71 (6.4% above fair value)
  • GF Score™: 47/100 with 8 warning signs

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

Clientele Business Description

Address Corner Rivonia and Alon Roads Morningside, Clientele Office Park, Johannesburg, GT, ZAF, 2196
Clientele Ltd is a diversified financial services group. It markets, distributes, and underwrites insurance and investment products. The company's operating segment includes Clientele Life Insurance, 1Life Insurance, Non-Life Insurance, Emerald Life Insurance, and CBC Rewards, Mobile & Direct Rewards. Its insurance products and services include Legal, Mobile, Wealth, Credit Life, Investments, and others. It generates maximum revenue from the 1Life insurance segment, which involves the sale and administration of long-term insurance risk policies. The group currently operates in the South African market only.
47GF Score

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Long-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

R19.71
Price
R18.53
GF Value