Clientèle Limited (CLI) Fair Value & Analysis
Financial Services · ZA · Market cap 8.8B ZAC
Fair value as of: Jun 26, 2026
From 26 valuation models · updated 3 days ago
Fair value updated Jun 26, 2026 — revised from R24.67 to R30.25 (+22.6%) since Jun 24, 2026. Share price +2.6% over the past month.
Price vs Fair Value (12 months)
12‑month range R12.00 – R19.90 · fair‑value band R22.69 – R37.81 · the R19.71 price screens below the R30.25 fair value. As of Jun 26, 2026.
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Clientèle Limited (CLI) currently trades at R19.71, while our model-based Fair Value estimate is R30.25 — implying the stock looks roughly 53.5% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.
Over the trailing twelve months, Clientèle Limited generated revenue of 5.1B ZAR at a net margin of 16.2%. Revenue grew 25.1% year over year. It earns a return on equity of 13.2%. The balance sheet holds a net cash position of 82.7M ZAR. Fundamentals as of Jun 26, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.
About the company
Clientèle Limited, through its subsidiaries, engages in the provision of financial services in South Africa. It operates through Clientèle Life Insurance; 1Life Insurance; Emerald Life Insurance; Non-Life Insurance; and CBC Rewards, Mobile and Direct Rewards segments. The company markets, distributes, and underwrites insurance and investment products, as well as invests funds; operates a micro-insurance license, and markets and distributes specialized funeral products; and offers personal and business lines legal insurance policies. It also provides rewards benefits to its clients from retailers and service providers; and airtime and data products. The company was incorporated in 2007 and is headquartered in Morningside, South Africa.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Clientèle Limited reported revenue of R4.5B in FY2025 versus R2.5B in FY2021, a compound +15.6%/yr. Reported net income was R1.1B in FY2025, compounding +28.1%/yr from FY2021.
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Similar stocks
6 more Insurance - Diversified stocks, each showing price versus our Fair Value estimate (as of Jun 26, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Berkshire Hathaway Inc BRK | C$35.75 | C$29.27 | -18% |
| Allianz SE ALIZY | $46.11 | $51.39 | +11% |
| Zurich Insurance Group ZURVY | $36.15 | $29.58 | -18% |
| AXA SA AXAHY | $48.48 | $66.69 | +38% |
| Assicurazioni Generali S.p.A ARZGY | $24.04 | $19.38 | -19% |
| Sun Life Financial Inc SLF | $77.55 | $118.90 | +53% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.