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Capricorn Group has the Financial Strength Rank of 4.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
GuruFocus does not calculate Capricorn Group's interest coverage with the available data.
Capricorn Group's debt to revenue ratio for the quarter that ended in Dec. 2025 was 0.98.
Altman Z-Score does not apply to banks and insurance companies.
Capricorn Group (NAM:CGP) Financial Strength Explanation
The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
Capricorn Group has the Financial Strength Rank of 4.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* 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.
Capricorn Group (NAM:CGP) has a Financial Strength of 4 as of Dec. 2025. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Capricorn Group and its competitors. This is 100% above median its historical median of 2.00. Over the past decade, Capricorn Group's Financial Strength has ranged from 1.00 to 7.00.
Is Capricorn Group's Financial Strength too high?
Capricorn Group's current Financial Strength of 4 is 100% above median its 10-year median of 2.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 7.00. Overall, Capricorn Group has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Capricorn Group's Financial Strength compare to PNC and USB?
Capricorn Group's Financial Strength of 4 can be compared against companies in the Banks industry. Historically, Capricorn Group's own Financial Strength has ranged from 1.00 to 7.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Financial Strength for a Banks company?
A good Financial Strength depends on the Banks industry context. However, Financial Strength 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 Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Capricorn Group and its competitors. Capricorn Group's current Financial Strength is 4, which is 100% above median its own 10-year median of 2.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Capricorn Group stock overvalued right now?
Based on GuruFocus' analysis, Capricorn Group (NAM:CGP) is currently considered Modestly Overvalued. The stock's GF Value™ is R24.44, compared to a current price of R28.46 — trading 16.4% above its estimated fair value. The current Financial Strength is 4, which is 100% above median its 10-year median of 2.00. Capricorn Group's overall GF Score™ is 68/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For Capricorn Group (NAM:CGP), the current Financial Strength is 4 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 Capricorn Group (NAM:CGP) Overvalued in 2026?
Based on GuruFocus' analysis, Capricorn Group stock appears to be overvalued.
The current stock price of R28.46 is trading 16.4% above its estimated GF Value™ of R24.44.
GuruFocus considers Capricorn Group to be Modestly Overvalued.
Key valuation signals for NAM:CGP:
Financial Strength: 4 (100% above median its 10-year median of 2.00)
GF Value™: R24.44 vs. price of R28.46 (16.4% above fair value)
No single metric tells the full story. See the NAM:CGP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Capricorn Group Ltd is a Namibia-based financial services group. It operates as an investment holding company with interests in banking, insurance, asset management, and microlending. The banking operation is the company's two operating segments, which include banking activities in Namibia and Botswana, as well as term lending and related activities in Namibia. Other components include property development, asset management, and unit trust management. The majority of the company's revenue comes from its banking operations in Namibia.
68GF Score
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