CKHGY (Capitec Bank Holdings) Moat Score: 5/10 (As of Jul. 09, 2026)


CKHGY Capitec Bank Holdings Ltd CKHGY
89 GF Score
Price $144.92
GF Value $129.53
Valuation Modestly Overvalued
! 1 Warning Sign
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What is Capitec Bank Holdings Moat Score?

Capitec Bank Holdings CKHGY -1.38% 89 Moat Score is 5 as of Jul. 09, 2026. 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 1,609 Banks companies, Capitec Bank Holdings ranks better than 94.03% on this metric.

Capitec Bank Holdings has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Capitec Bank Holdings has Narrow Moat: Capitec Bank has a solid narrow moat due to its strong brand in South Africa and cost advantages from efficient operations. However, it lacks significant network effects and customer switching costs, limiting its moat to a narrow category.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Capitec Bank Holdings might have Narrow Moat - Solid narrow moat.

Capitec Bank Holdings  (OTCPK:CKHGY) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Capitec Bank Holdings Moat Score Related Terms

CKHGY vs PNC, USB: Moat Score Comparison

For the Banks - Regional subindustry, Capitec Bank Holdings's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Capitec Bank Holdings's Moat Score distribution charts can be found below:

* The bar in red indicates where Capitec Bank Holdings's Moat Score falls into.


CKHGY
89GF Score
Capitec Bank Holdings Ltd CKHGY
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
Capitec Bank Holdings (CKHGY) has a Moat Score of 5 as of Jul. 09, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Capitec Bank Holdings ranks #96 out of 1609 companies in the Banks industry, placing it in the top 6%.
Is Capitec Bank Holdings' Moat Score too high?
Capitec Bank Holdings' current Moat Score is 5. Based on the distribution chart, Capitec Bank Holdings ranks #96 out of 1609 companies in the Banks industry, which is in the top quartile — a strong position 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' Moat Score compare to PNC and USB?
According to the Banks industry distribution chart, Capitec Bank Holdings ranks #96 out of 1609 companies for Moat Score. This places Capitec Bank Holdings in the top 6% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Capitec Bank Holdings's current Moat Score is 5. 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 Moat Score is 5. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Capitec Bank Holdings (CKHGY), the current Moat Score is 5 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:

  • Moat Score: 5
  • GF Value™: $129.53 vs. price of $144.92 (11.9% above fair value)
  • GF Score™: 89/100 with 1 warning sign

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 Business Description

Address 5 Neutron Road, Techno Park, Stellenbosch, WC, ZAF, 7600
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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$144.92
Price
$129.53
GF Value