Fairvalue-Calculator Fairvalue-Calculator

Capitec Bank Holdings (CPIP) Fair Value & Analysis

Financial Services · ZA · Market cap 1.7B ZAC

Price11,005 ZAC
Fair Value1,893 ZAC
Upside-82.8%
Quality97/100
Evidence: High Range 1,419 ZAC – 2,366 ZAC

Analysis

Capitec Bank Holdings (CPIP) currently trades at 11,005 ZAC, while our model-based Fair Value estimate is 1,893 ZAC — implying the stock looks roughly 82.8% overvalued today. We read business quality at 97/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

Capitec Bank Holdings Limited, through its subsidiaries, provides various banking products and services in South Africa. The company operates through three segments: Personal banking, Business banking, and Insurance. It offers transactional banking services; flexible, notice, fixed, and tax-free savings; call and notice deposits; term, home, personal, vehicle, education, home improvement, business, term, medical, instalment, short-term, and mortgage loans; overdrafts, instalment sales and leases, credit and debit cards, and access facilities; and payment, merchant, forex, franchising, and value-added services. The company also provides treasury products comprising foreign exchange spot trades and foreign exchange forward contracts; insurance products, such as general, fleet, agricultural, engineering, motor traders, hospitality, contractors all risk, life, and credit insurance, as well as funeral cover insurance; and trade finance products, including letters of credit, trade guarant…

Open the full interactive analysis →

Similar stocks

State Bank of India (SBID) -98% HDFC Bank Limited (HDFCBANK) +18% ICICI Bank Limited (ICICIBANK) -29% PT Bank Central Asia Tbk (BBCA) +6% PT Bank Rakyat Indonesia (Persero) Tbk (BBRI) +100% Banco Bradesco S.A (BBD) +100%

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.