CKHGY (Capitec Bank Holdings) ROE % Adjusted to Book Value: 3.61% (As of Feb. 2026)


CKHGY Capitec Bank Holdings Ltd CKHGY
89 GF Score
Price $145.70
GF Value $129.77
Valuation Modestly Overvalued
! 1 Warning Sign
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What is Capitec Bank Holdings ROE % Adjusted to Book Value?

Capitec Bank Holdings CKHGY +1.38% 89 ROE % Adjusted to Book Value is 3.61% as of Feb. 2026. GuruFocus rates CKHGY with a GF Score™ of 89/100 and a GF Value™ of $129.77 (Modestly Overvalued). The stock has 1 warning sign investors should review.

Capitec Bank Holdings's ROE % for the quarter that ended in Feb. 2026 was 32.72%. Capitec Bank Holdings's PB Ratio for the quarter that ended in Feb. 2026 was 9.07. Capitec Bank Holdings's ROE % Adjusted to Book Value for the quarter that ended in Feb. 2026 was 3.61%.

Capitec Bank Holdings ROE % Adjusted to Book Value Related Terms

Capitec Bank Holdings ROE % Adjusted to Book Value Historical Data

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The historical data trend for Capitec Bank Holdings's ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value Chart

Capitec Bank Holdings Annual Data
Trend Feb17 Feb18 Feb19 Feb20 Feb21 Feb22 Feb23 Feb24 Feb25 Feb26
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.22 4.06 4.75 4.17 3.59

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
ROE % Adjusted to Book Value 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 5.30 3.92 4.22 4.05 3.61

CKHGY vs PNC, USB: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, Capitec Bank Holdings's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Capitec Bank Holdings's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Capitec Bank Holdings's ROE % Adjusted to Book Value falls into.


CKHGY
89GF Score
Capitec Bank Holdings Ltd CKHGY
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Capitec Bank Holdings ROE % Adjusted to Book Value Calculation

Capitec Bank Holdings's ROE % Adjusted to Book Value for the fiscal year that ended in Feb. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=32.52% / 9.07
=3.59%

Capitec Bank Holdings's ROE % Adjusted to Book Value for the quarter that ended in Feb. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=32.72% / 9.07
=3.61%

* 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.

What does a ROE % Adjusted to Book Value of 3.61% mean?
Capitec Bank Holdings (CKHGY) has a ROE % Adjusted to Book Value of 3.61% as of Feb. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Capitec Bank Holdings and its competitors.
Is Capitec Bank Holdings' ROE % Adjusted to Book Value too high?
Capitec Bank Holdings' current ROE % Adjusted to Book Value is 3.61%. Overall, Capitec Bank Holdings has a GF Score™ of 89/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Capitec Bank Holdings' ROE % Adjusted to Book Value compare to PNC and USB?
Capitec Bank Holdings' ROE % Adjusted to Book Value of 3.61% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Capitec Bank Holdings and its competitors. Capitec Bank Holdings's current ROE % Adjusted to Book Value is 3.61%. 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 (CKHGY) is currently considered Modestly Overvalued. The stock's GF Value™ is $129.77, compared to a current price of $145.70 — trading 12.3% above its estimated fair value. The current ROE % Adjusted to Book Value is 3.61%. Capitec Bank Holdings' overall GF Score™ is 89/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Capitec Bank Holdings (CKHGY), the current ROE % Adjusted to Book Value is 3.61% 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.

Is Capitec Bank Holdings (CKHGY) Overvalued in 2026?

Based on GuruFocus' analysis, Capitec Bank Holdings stock appears to be overvalued. The current stock price of $145.70 is trading 12.3% above its estimated GF Value™ of $129.77. GuruFocus considers Capitec Bank Holdings to be Modestly Overvalued.

Key valuation signals for CKHGY:

  • ROE % Adjusted to Book Value: 3.61%
  • GF Value™: $129.77 vs. price of $145.70 (12.3% above fair value)
  • GF Score™: 89/100 with 1 warning sign

No single metric tells the full story. See the CKHGY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Capitec Bank Holdings Business Description

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.
89GF Score

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

$145.70
Price
$129.77
GF Value