Capitec Bank HoldingsCKHGY +0.10%89 Net Margin % is 32.89% as of Feb. 2026, which is 12% above its 10-year median of 29.45. GuruFocus rates CKHGY with a GF Score™ of 89/100 and a GF Value™ of $128.48 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,527 Banks companies, Capitec Bank Holdings ranks better than 68.43% on this metric.
The historical rank and industry rank for Capitec Bank Holdings's Net Margin % or its related term are showing as below:
CKHGY'
s Net Margin % Range Over the Past 10 Years
Min: 19.38 Med: 29.45 Max: 32.31
Current: 32.31
CKHGY's Net Margin % is ranked better than 68.43% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs CKHGY: 32.31
Capitec Bank Holdings (OTCPK:CKHGY) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Capitec Bank Holdings Net Margin % Related Terms
Capitec Bank Holdings Net Margin % Historical Data
* Premium members only.
The historical data trend for Capitec Bank Holdings's Net 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 Bank Holdings's Net Margin %, along with its competitors' market caps and Net 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 Bank Holdings Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Capitec Bank Holdings's Net Margin % distribution charts can be found below:
* The bar in red indicates where Capitec Bank Holdings's Net 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 Bank Holdings (CKHGY) has a Net Margin % of 32.89% as of Feb. 2026. Net margin is the ratio of total net income to net sales. View historical data on Capitec Bank Holdings and its competitors. This is 12% above median its historical median of 29.45. Over the past decade, Capitec Bank Holdings' Net Margin % has ranged from 19.38 to 32.31. According to the industry distribution chart, Capitec Bank Holdings ranks #482 out of 1527 companies in the Banks industry, placing it in the top 31.6%.
Is Capitec Bank Holdings' Net Margin % too high?
Capitec Bank Holdings' current Net Margin % of 32.89% is 12% above median its 10-year median of 29.45. Over the past 10 years, this metric has ranged from a low of 19.38 to a high of 32.31. The Banks industry median Net Margin % is 26.95. Capitec Bank Holdings' value of 32.89% is 22% above this industry median. Based on the distribution chart, Capitec Bank Holdings ranks #482 out of 1527 companies in the Banks industry, which is above the industry midpoint. Overall, Capitec Bank Holdings 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 Bank Holdings' Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Capitec Bank Holdings ranks #482 out of 1527 companies for Net Margin %. This puts Capitec Bank Holdings in the upper half of its industry. The industry median Net Margin % is 26.95. Capitec Bank Holdings' value of 32.89% is 22% above this benchmark. Historically, Capitec Bank Holdings' own Net Margin % has ranged from 19.38 to 32.31 over the past decade. While the company's 10-year median is 29.45 vs. the industry median of 26.95, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Capitec Bank Holdings's current Net Margin % of 32.89% is 22% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Capitec Bank Holdings and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Capitec Bank Holdings's current Net Margin % is 32.89%, which is 12% above median its own 10-year median of 29.45. 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 Fairly Valued. The stock's GF Value™ is $128.48, compared to a current price of $141.38 — trading 10% above its estimated fair value. The current Net Margin % is 32.89%, which is 12% above median its 10-year median of 29.45 and 22% above the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Capitec Bank Holdings (CKHGY), the current Net Margin % is 32.89% 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 Bank Holdings (CKHGY) Overvalued in 2026?
Based on GuruFocus' analysis, Capitec Bank Holdings stock appears to be overvalued.
The current stock price of $141.38 is trading 10% above its estimated GF Value™ of $128.48.
GuruFocus considers Capitec Bank Holdings to be Fairly Valued.
Key valuation signals for CKHGY:
Net Margin %: 32.89% (12% above median its 10-year median of 29.45)
GF Value™: $128.48 vs. price of $141.38 (10% above fair value)
Industry Position: 22% above the Banks median (#482 of 1527)
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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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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