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The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Capitec Bank Holdings's share price is R4714.99.
Capitec Bank Holdings's Revenue per Share for the trailing twelve months (TTM) ended in Feb. 2026 was R450.17. Hence, Capitec Bank Holdings's PS Ratio for today is 10.47.
The historical rank and industry rank for Capitec Bank Holdings's PS Ratio or its related term are showing as below:
JSE:CPI'
s PS Ratio Range Over the Past 10 Years
Min: 4.44 Med: 7.71 Max: 13.5
Current: 10.48
During the past 13 years, Capitec Bank Holdings's highest PS Ratio was 13.50. The lowest was 4.44. And the median was 7.71.
JSE:CPI's PS Ratio is ranked worse than 97.82% of 1517
companies
in the Banks industry
Industry Median: 3.06
vs JSE:CPI: 10.48
Capitec Bank Holdings Ltd has shown predictable revenue and earnings growth.
During the past 12 months, the average Revenue per Share Growth Rate of Capitec Bank Holdings was 19.00% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 20.50% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 17.80% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 13.70% per year.
During the past 13 years, Capitec Bank Holdings's highest 3-Year average Revenue per Share Growth Rate was 52.00% per year. The lowest was 9.00% per year. And the median was 16.95% per year.
Back to Basics: PS Ratio
Capitec Bank Holdings (JSE:CPI) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
* 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 PS Ratio, along with its competitors' market caps and PS Ratio 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 PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Capitec Bank Holdings's PS Ratio distribution charts can be found below:
* The bar in red indicates where Capitec Bank Holdings's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Capitec Bank Holdings's Share Price of today is R4714.99.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Capitec Bank Holdings's Revenue per Share for the trailing twelve months (TTM) ended in Feb. 2026 was R450.17.
* 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.
It can also be calculated from the numbers for the whole company:
Capitec Bank Holdings (JSE:CPI) has a PS Ratio of 10.47 as of Jul. 18, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Capitec Bank Holdings and its competitors. This is 36% above median its historical median of 7.71. Over the past decade, Capitec Bank Holdings' PS Ratio has ranged from 4.44 to 13.50. According to the industry distribution chart, Capitec Bank Holdings ranks #1484 out of 1517 companies in the Banks industry, placing it in the top 97.8%.
Is Capitec Bank Holdings' PS Ratio too high?
Capitec Bank Holdings' current PS Ratio of 10.47 is 36% above median its 10-year median of 7.71. Over the past 10 years, this metric has ranged from a low of 4.44 to a high of 13.50. The Banks industry median PS Ratio is 3.06. Capitec Bank Holdings' value of 10.47 is 242.2% above this industry median. Based on the distribution chart, Capitec Bank Holdings ranks #1484 out of 1517 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Capitec Bank Holdings has a GF Score™ of 88/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Capitec Bank Holdings' PS Ratio compare to PNC and USB?
According to the Banks industry distribution chart, Capitec Bank Holdings ranks #1484 out of 1517 companies for PS Ratio. This places Capitec Bank Holdings in the lower half of its industry. The industry median PS Ratio is 3.06. Capitec Bank Holdings' value of 10.47 is 242.2% above this benchmark. Historically, Capitec Bank Holdings' own PS Ratio has ranged from 4.44 to 13.50 over the past decade. While the company's 10-year median is 7.71 vs. the industry median of 3.06, 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 3.06, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Capitec Bank Holdings's current PS Ratio of 10.47 is 242.2% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Capitec Bank Holdings and its competitors. For the Banks industry, the median PS Ratio is 3.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Capitec Bank Holdings's current PS Ratio is 10.47, which is 36% above median its own 10-year median of 7.71. 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 (JSE:CPI) is currently considered Fairly Valued. The stock's GF Value™ is R4,276.64, compared to a current price of R4,714.99 — trading 10.2% above its estimated fair value. The current PS Ratio is 10.47, which is 36% above median its 10-year median of 7.71 and 242.2% above the Banks industry median of 3.06. Capitec Bank Holdings' overall GF Score™ is 88/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Capitec Bank Holdings (JSE:CPI), the current PS Ratio is 10.47 as of Jul. 18, 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 (JSE:CPI) Overvalued in 2026?
Based on GuruFocus' analysis, Capitec Bank Holdings stock appears to be overvalued.
The current stock price of R4,714.99 is trading 10.2% above its estimated GF Value™ of R4,276.64.
GuruFocus considers Capitec Bank Holdings to be Fairly Valued.
Key valuation signals for JSE:CPI:
PS Ratio: 10.47 (36% above median its 10-year median of 7.71)
GF Value™: R4,276.64 vs. price of R4,714.99 (10.2% above fair value)
Industry Position: 242.2% above the Banks median (#1484 of 1517)
No single metric tells the full story. See the JSE:CPI 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.
88GF Score
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