Clientele (JSE:CLI) ROCE %: % (As of Dec. 2025)


JSE:CLI Clientele Ltd JSE:CLI
58 GF Score
Price R19.71
GF Value R18.41
Valuation Fairly Valued
! 7 Warning Signs
View Full Analysis

What is Clientele ROCE %?

Clientele JSE:CLI 58 ROCE % is % as of Dec. 2025. GuruFocus rates JSE:CLI with a GF Score™ of 58/100 and a GF Value™ of R18.41 (Fairly Valued). The stock has 7 warning signs investors should review.

ROCE % does not apply to banks and insurance companies.

JSE:CLI
58GF Score
Clientele Ltd JSE:CLI
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of % mean?
Clientele (JSE:CLI) has a ROCE % of % as of Dec. 2025.
Is Clientele's ROCE % too high?
Clientele's current ROCE % is %. Overall, Clientele has a GF Score™ of 58/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Clientele's ROCE % compare to BRK.A and AIG?
Clientele's ROCE % of % can be compared against companies in the Insurance industry. The industry median ROCE % is 8.20. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for an Insurance company?
The median ROCE % among Insurance companies is 8.20, based on 62 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median ROCE % is 8.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Clientele's current ROCE % is %. 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 R18.41, compared to a current price of R19.71 — trading 7.1% above its estimated fair value. The current ROCE % is %. Clientele's overall GF Score™ is 58/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROCE % calculated?
ROCE % is calculated from a company's financial statements. For Clientele (JSE:CLI), the current ROCE % is % 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 7.1% above its estimated GF Value™ of R18.41. GuruFocus considers Clientele to be Fairly Valued.

Key valuation signals for JSE:CLI:

  • ROCE %: %
  • GF Value™: R18.41 vs. price of R19.71 (7.1% above fair value)
  • GF Score™: 58/100 with 7 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.
58GF Score

Get the complete analysis for JSE:CLI

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

R19.71
Price
R18.41
GF Value