Capitec Bank Holdings Limited (CKHGY)
ValueMarkers Composite Index
73% above intrinsic value ($26)
Capitec Bank Holdings Limited (CKHGY) — VMCI valuation read
Capitec Bank Holdings Limited sits at VMCI 64/100, with the Financial Services sector median at 50. That 14-point spread is the first thing to note on CKHGY: it tells the reader the composite is favorable before any single ratio is examined, and the mid-cap tier sets the comparison set.
Form 4 disclosures on CKHGY are blank for the trailing 30 days. With the insider channel offline, the EV/EBITDA delta, free-cash-flow trajectory, and the next earnings print do the talking.
**Investor frame.** The Value read on CKHGY: CKHGY trades at 16.0x earnings, 11% below the Financial Services median of 18.0x, with EV/EBITDA at 13.0x against 12.0x. The Quality read: ROIC of 8.0% trails the Financial Services median (10.0%) by 2.0pp. The Risk read: net debt to EBITDA of 2.9x is the rate-sensitivity line to watch, anchoring the bear scenario on a measurable balance-sheet metric.
CKHGY rose 2.4% over the trailing 7 days, with a -11.6% read on a 30-day basis.
Capitec Bank Holdings Limited, through its subsidiaries, provides various banking products and services in South Africa. The company operates through three segments: Retail Bank, Business Bank, and Insurance. It offers transactional banking services; fixed and tax-free savings, and call and notice deposits; term loans, credit facilities, mortgage loans, overdrafts, instalment sales and leases, credit and debit cards, and access facilities; rental finance; payment services; and merchant services, as well as credit and life insurance products. The company also provides treasury products comprising foreign exchange spot trades and foreign exchange forward contracts; and internet banking and mobile banking services. It operates approximately 853 branches; and 2,863 automated teller machines, dual note recyclers, and coin and note recyclers. The company was incorporated in 1999 and is based in Stellenbosch, South Africa.
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