495,872.00
+1.25%
Close of 9 Nov 2026, in ZAc
Search any instrument
Reference data, closing prices and charts across 45,000 companies, plus crypto, commodities and currencies.
About Capitec Bank Holdings
Its shares trade on JSE under the ticker CPI.JO. It has been listed since 18 February 2002. In the fiscal year to 28 February 2026, it reported net income of ZAR 16.83bn. At that date it held total assets of ZAR 263.28bn and shareholders' equity of ZAR 59.48bn.
Capitec Bank Holdings Ltd. is a bank controlling company, which engages in the provision of retail banking services. The company is headquartered in Cape Town, Western Cape. The company went IPO on 2002-02-18. The firm is engaged in retail banking within the South African economic environment segment. The firm's retail banking business sells a retail bank product, Global One, which enables clients to transact, save and borrow. Its business services include card machines, workplace banking, salary transfers and financial skills. The company also provides money management solutions. The firm holds interests in its principal subsidiary, Capitec Bank Limited (Capitec Bank). Capitec Bank is a South African retail bank, which focuses on banking services and provides savings, transacting and unsecured lending products to individuals. The firm's Global One card is linked to respective customer's transaction/savings account and gives them various ways to access their money and transact across the world. The Global One card can be used in card machines, online shopping and telephone/mail orders.
Figures and description from our data supplier, not checked against the company's own report.
Company facts
- Sector
- Financials
- Industry
- Banks
- Listed since
- 18 Feb 2002
- Employees
- 14,590
- Website
- capitecbank.co.za ↗
Leadership
Pay as last reported
- Ms. Susan BothaIndependent Non-Executive Chairman of the BoardZAR 5.3m
- Mr. Gerhardus FourieChief Executive Officer, Executive DirectorZAR 23.2m
- Mr. Grant HardyChief Financial Officer, Executive Director, since 2022ZAR 11.5m
- Ms. Katherine BarkerExecutive - InsuranceZAR 3.1m
- Ms. Rizwana ButlerExecutive - Human ResourcesZAR 10.9m
- Mr. Willem De BruynExecutive - Business Development and TechnologyZAR 11.0m
- Mr. Hendrik Jacobus LourensExecutive - Strategic Initiatives, since 2022ZAR 12.5m
- Mr. Karl KumbierExecutive - Business BankZAR 9.3m
- Mr. Graham LeeExecutive - Retail bankZAR 5.4m
- Mr. Ismail MoolaExecutive - Risk Management
- Mr. Francois ViviersExecutive - Marketing and CommunicationsZAR 7.3m
- Ms. Yolande MoutonCompany Secretary
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 57
- Environment
- 44
- Social
- 99
- Governance
- 28
- Direct emissions (scope 1)
- 2,571 t
- Energy emissions (scope 2)
- 28,065 t
- Value chain emissions (scope 3)
- 4,975 t
- Women in the workforce
- 62.12%
- Carbon reduction policy
- Yes
- Human rights policy
- Yes
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Capitec Bank Holdings Ltd possesses a strong market position in the South African banking industry. It has established itself as one of the leading retail banks in the country, gaining substantial market share and customer loyalty.
- The bank has invested significantly in cutting-edge technology, enabling it to offer innovative and user-friendly services to its customers. Capitec has developed a robust online and mobile banking platform, enhancing convenience and efficiency for its clients.
- Capitec operates with a low-cost model, allowing it to offer affordable banking services to a wide range of customers. This strategy has helped the bank to attract and retain a large customer base, particularly among the middle and lower income segments.
Weaknesses
- One of the weaknesses of Capitec Bank Holdings Ltd is its relatively limited product range compared to some of its competitors. Although the bank offers a comprehensive set of basic banking services, it may miss out on potential revenue by not providing more specialized financial products.
- Capitec's operations are highly concentrated in the South African market, which exposes the bank to risks associated with the country's economic conditions. Any economic downturn or regulatory changes in South Africa could have a significant impact on the bank's performance and profitability.
- Capitec has limited international presence, operating primarily within South Africa. This lack of diversification poses a potential vulnerability to the bank, as it may be heavily reliant on the economic performance of a single market.
Opportunities
- Capitec Bank Holdings Ltd could seize opportunities to broaden its product portfolio by introducing additional financial services tailored to the needs of its target market. This could include insurance products, investment solutions, or specialized lending options, allowing the bank to increase revenue streams.
- The ongoing digital transformation presents an opportunity for Capitec to further enhance its technological capabilities and expand its digital services. By investing in advanced digital tools and platforms, the bank can offer more personalized and seamless banking experiences, attracting tech-savvy customers.
- Capitec could consider expanding its operations beyond South Africa, targeting markets with similar characteristics and growth potential. This could mitigate risks related to the dependence on a single market and open up new revenue streams by tapping into untapped customer segments.
Threats
- Capitec Bank Holdings Ltd operates in a highly competitive banking sector, facing intense competition from both established banks and emerging fintech companies. Maintaining its market share and competitive edge requires continuous innovation and differentiation to respond to changing customer preferences and competitor strategies.
- The uncertain economic conditions, both globally and within South Africa, pose a threat to Capitec's business. Fluctuations in interest rates, exchange rates, and economic indicators can impact customer confidence, loan repayments, and the overall financial health of the bank.
- Compliance with regulations and changes in regulatory frameworks can present challenges for Capitec Bank Holdings Ltd. The bank needs to allocate resources to ensure that it adheres to all relevant regulations, including data privacy, anti-money laundering, and capital adequacy requirements.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
Nothing here is investment advice. Prices can be delayed or wrong, so check with the exchange before relying on them. Data for this page. How we cover markets.