Capitec Bank Holdings (JSE:CPIP.PFD) OCF Margin %: 26.31% (As of Feb. 2026) — 55% Below Median


JSE:CPIP.PFD Capitec Bank Holdings Ltd JSE:CPIP.PFD
87 GF Score
Price R110.05
! 1 Warning Sign
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What is Capitec Bank Holdings OCF Margin %?

Capitec Bank Holdings JSE:CPIP.PFD 87 OCF Margin % is 26.31% as of Feb. 2026, which is 55% below its 10-year median of 58.52. GuruFocus rates JSE:CPIP.PFD with a GF Score™ of 87/100. The stock has 1 warning sign investors should review. Among 1,502 Banks companies, Capitec Bank Holdings ranks better than 61.12% on this metric.

OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. Capitec Bank Holdings's Cash Flow from Operations for the six months ended in Feb. 2026 was R7,071.16 Mil. Capitec Bank Holdings's Revenue for the six months ended in Feb. 2026 was R26,880.65 Mil. Therefore, Capitec Bank Holdings's OCF Margin % for the quarter that ended in Feb. 2026 was 26.31%.

As of today, Capitec Bank Holdings's current OCF Yield % is 3.50%.

The historical rank and industry rank for Capitec Bank Holdings's OCF Margin % or its related term are showing as below:


During the past 13 years, the highest OCF Margin % of Capitec Bank Holdings was 129.24%. The lowest was 14.30%. And the median was 58.52%.

JSE:CPIP.PFD's OCF Margin % is not ranked *
in the Banks industry.
Industry Median: 29.405
* Ranked among companies with meaningful OCF Margin % only.

Capitec Bank Holdings OCF Margin % Related Terms

Capitec Bank Holdings OCF Margin % Historical Data

* Premium members only.

The historical data trend for Capitec Bank Holdings's OCF 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.

Capitec Bank Holdings OCF Margin % Chart

Capitec Bank Holdings Annual Data
Trend Feb17 Feb18 Feb19 Feb20 Feb21 Feb22 Feb23 Feb24 Feb25 Feb26
OCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 51.98 14.30 47.49 56.90 36.34

Capitec Bank Holdings Semi-Annual Data
Aug16 Feb17 Aug17 Feb18 Aug18 Feb19 Aug19 Feb20 Aug20 Feb21 Aug21 Feb22 Aug22 Feb23 Aug23 Feb24 Aug24 Feb25 Aug25 Feb26
OCF Margin % 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 39.67 56.89 56.91 47.05 26.31
JSE:CPIP.PFD
87GF Score
Capitec Bank Holdings Ltd JSE:CPIP.PFD
OCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Capitec Bank Holdings OCF Margin % Calculation

OCF Margin % is the ratio of Cash Flow from Operations divided by net sales or Revenue, usually presented in percent.

Capitec Bank Holdings's OCF Margin for the fiscal year that ended in Feb. 2026 is calculated as

OCF Margin=Cash Flow from Operations (A: Feb. 2026 )/Revenue (A: Feb. 2026 )
=18933.155/52093.645
=36.34 %

Capitec Bank Holdings's OCF Margin for the quarter that ended in Feb. 2026 is calculated as

OCF Margin=Cash Flow from Operations (Q: Feb. 2026 )/Revenue (Q: Feb. 2026 )
=7071.155/26880.645
=26.31 %

* 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.

Frequently Asked Questions Learn more about OCF Margin % →
What does a OCF Margin % of 26.31% mean?
Capitec Bank Holdings (JSE:CPIP.PFD) has a OCF Margin % of 26.31% as of Feb. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Capitec Bank Holdings and its competitors. This is 55% below median its historical median of 58.52. Over the past decade, Capitec Bank Holdings' OCF Margin % has ranged from 14.30 to 129.24. According to the industry distribution chart, Capitec Bank Holdings ranks #584 out of 1502 companies in the Banks industry, placing it in the top 38.9%.
Is Capitec Bank Holdings' OCF Margin % too high?
Capitec Bank Holdings' current OCF Margin % of 26.31% is 55% below median its 10-year median of 58.52. Over the past 10 years, this metric has ranged from a low of 14.30 to a high of 129.24. The Banks industry median OCF Margin % is 29.41. Capitec Bank Holdings' value of 26.31% is 10.5% below this industry median. Based on the distribution chart, Capitec Bank Holdings ranks #584 out of 1502 companies in the Banks industry, which is above the industry midpoint. Overall, Capitec Bank Holdings has a GF Score™ of 87/100, reflecting its overall financial health beyond just this single metric.
How does Capitec Bank Holdings' OCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Capitec Bank Holdings ranks #584 out of 1502 companies for OCF Margin %. This puts Capitec Bank Holdings in the upper half of its industry. The industry median OCF Margin % is 29.41. Capitec Bank Holdings' value of 26.31% is 10.5% below this benchmark. Historically, Capitec Bank Holdings' own OCF Margin % has ranged from 14.30 to 129.24 over the past decade. While the company's 10-year median is 58.52 vs. the industry median of 29.41, Capitec Bank Holdings 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.41, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Capitec Bank Holdings's current OCF Margin % of 26.31% is 10.5% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Capitec Bank Holdings and its competitors. For the Banks industry, the median OCF Margin % is 29.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Capitec Bank Holdings's current OCF Margin % is 26.31%, which is 55% below median its own 10-year median of 58.52. 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?
Capitec Bank Holdings (JSE:CPIP.PFD) has a current OCF Margin % of 26.31%. The current OCF Margin % is 26.31%, which is 55% below median its 10-year median of 58.52 and 10.5% below the Banks industry median of 29.41. Capitec Bank Holdings' overall GF Score™ is 87/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Capitec Bank Holdings (JSE:CPIP.PFD), the current OCF Margin % is 26.31% 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.

Capitec Bank Holdings Business Description

Other Exchanges CPI:South AfricaCKHGY:USA
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.
87GF Score

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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

R110.05
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