Risk factor
Modest price volatility
Profitability factor
Undervalued vs peers
About
Capitec Bank Holdings Limited, along with its various subsidiary entities, delivers a comprehensive array of financial and banking solutions across South Africa. The organization's operations are structured into three distinct divisions: Retail Banking, Business Banking, and Insurance Services. Its offerings encompass standard transactional accounts; diverse savings products such as fixed-term, tax-exempt, call, and notice deposits; and an array of lending options including term loans, credit facilities, home loans, overdrafts, and installment sales and leases. Capitec also provides credit and debit cards, specialized access facilities, rental financing, payment processing, and merchant services, in addition to credit and life insurance policies. Furthermore, the institution extends treasury services, specifically dealing in spot and forward foreign exchange transactions, and supports clients with modern internet and mobile banking platforms. Established in 1999 and headquartered in Stellenbosch, South Africa, Capitec maintains a substantial physical presence through approximately 853 branches and a network of around 2,863 self-service machines, which include ATMs and various note and coin recyclers.
Company Valuation
Based on key historical and expected multiples, the stock is undervalued relative to its peers. Specifically, the stock is fairly valued on P/E, overvalued on EV/EBITDA,
Target Price
The average target price of CPI.JO is 497492 and suggests 7.94% upside potential. Usually, this means a HOLD recommendation among investment firms. This neutral recommend