Clientele (JSE:CLI) Property, Plant and Equipment: R89 Mil (As of Dec. 2025)


JSE:CLI Clientele Ltd JSE:CLI
48 GF Score
Price R19.71
GF Value R18.50
Valuation Fairly Valued
! 8 Warning Signs
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What is Clientele Property, Plant and Equipment?

Clientele JSE:CLI 48 Property, Plant and Equipment is R89 Mil as of Dec. 2025. GuruFocus rates JSE:CLI with a GF Score™ of 48/100 and a GF Value™ of R18.50 (Fairly Valued). The stock has 8 warning signs investors should review.

Clientele's quarterly net PPE increased from Dec. 2024 (R66 Mil) to Jun. 2025 (R81 Mil) and increased from Jun. 2025 (R81 Mil) to Dec. 2025 (R89 Mil).

Clientele's annual net PPE increased from Jun. 2023 (R45 Mil) to Jun. 2024 (R54 Mil) and increased from Jun. 2024 (R54 Mil) to Jun. 2025 (R81 Mil).


Clientele  (JSE:CLI) Property, Plant and Equipment Explanation

A company with durable competitive advantage doesn't need to constantly upgrade its equipment to stay competitive. The company replaces when it wears out. On the other hand, a company without any advantages must replace to keep pace.

Difference between a company with a moat and one without is that the company with the competitive advantage finances new equipment through internal cash flows, whereas the no advantage company requires debt to finance.

Producing a consistent product that doesn't change equates to consistent profits. There is no need to upgrade plants which frees up cash for other ventures. Think Coca Cola, Johnson & Johnson etc.


Clientele Property, Plant and Equipment Related Terms


Clientele Property, Plant and Equipment Historical Data

* Premium members only.

The historical data trend for Clientele's Property, Plant and Equipment 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 Property, Plant and Equipment Chart

Clientele Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Property, Plant and Equipment
Get a 7-Day Free Trial Premium Member Only Premium Member Only 42.26 43.69 44.87 54.50 80.59

Clientele Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Property, Plant and Equipment 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 53.26 54.50 66.34 80.59 89.21
JSE:CLI
48GF Score
Clientele Ltd JSE:CLI
Property, Plant and Equipment is just one metric. See GF Score™, valuation, warning signs, and more.
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Clientele Property, Plant and Equipment Calculation

Property, Plant and Equipment (PPE) are the fixed assets of the companyFixed assets are also known as non-current assets.

Property, plant, and equipment includes assets that will - in the normal course of business - neither be used up in the next year nor will become a part of any product sold to customers.

Some of the most common parts of property, plant, and equipment are:


Land
Buildings (and leasehold improvements)
Transportation equipment
Manufacturing equipment
Office equipment
Office furniture

Companies with lots of property, plant, and equipment often have special categories. For example, railroad property includes:


Track
Ties
Ballast
Bridges
Tunnels
Signals
Locomotives
Freight Cars

There is often a note in the financial statements - found in a company's 10-K - that will explain the different categories of property a company owns.

The market value of property, plant, and equipment can differ tremendously from the book value of property, plant, and equipment.

For example, when Berkshire Hathaway liquidated its textile mills, it had to pay the buyers of the company's manufacturing equipment to haul the equipment away. That property, plant, and equipment was literally worth less than zero. On the other hand, some companies own thousands of acres of land.

All property, plant, and equipment other than land is depreciated. Land is never depreciated. However, land is not marked up to market value either. Under Generally Accepted Accounting Principles (GAAP), land is shown on the balance sheet at cost.

The property, plant, and equipment line shown on the balance sheet is usually net property, plant, and equipment. This means it is the cost of the property, plant, and equipment less accumulated depreciation.

What does a Property, Plant and Equipment of R89 Mil mean?
Clientele (JSE:CLI) has a Property, Plant and Equipment of R89 Mil as of Dec. 2025. The total property, plant and equipment recorded on a company's balance sheet less accumulated depreciation. View historical data on Clientele and its competitors.
Is Clientele's Property, Plant and Equipment too high?
Clientele's current Property, Plant and Equipment is R89 Mil. Overall, Clientele has a GF Score™ of 48/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Clientele's Property, Plant and Equipment compare to BRK.A and AIG?
Clientele's Property, Plant and Equipment of R89 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 Property, Plant and Equipment for an Insurance company?
A good Property, Plant and Equipment depends on the Insurance industry context. However, Property, Plant and Equipment 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 Property, Plant and Equipment mean?
A high Property, Plant and Equipment can signal that a stock is expensive relative to its fundamentals. The total property, plant and equipment recorded on a company's balance sheet less accumulated depreciation. View historical data on Clientele and its competitors. Clientele's current Property, Plant and Equipment is R89 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 R18.50, compared to a current price of R19.71 — trading 6.5% above its estimated fair value. The current Property, Plant and Equipment is R89 Mil. Clientele's overall GF Score™ is 48/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Property, Plant and Equipment calculated?
Property, Plant and Equipment is calculated from a company's financial statements. For Clientele (JSE:CLI), the current Property, Plant and Equipment is R89 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 6.5% above its estimated GF Value™ of R18.50. GuruFocus considers Clientele to be Fairly Valued.

Key valuation signals for JSE:CLI:

  • Property, Plant and Equipment: R89 Mil
  • GF Value™: R18.50 vs. price of R19.71 (6.5% above fair value)
  • GF Score™: 48/100 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.
48GF Score

Get the complete analysis for JSE:CLI

Property, Plant and Equipment is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

R19.71
Price
R18.50
GF Value