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Capitec Bank Holdings Limited (CKHGF)
OTHER OTC:CKHGF
US Market

Capitec Bank Holdings (CKHGF) Ratios

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Capitec Bank Holdings Ratios

CKHGF's free cash flow for Q2 2026 was Rs1.00. For the 2026 fiscal year, CKHGF's free cash flow was decreased by Rs and operating cash flow was Rs0.03. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
0.00 0.00 0.05 0.05 13.37
Quick Ratio
0.00 0.00 0.12 0.05 31.70
Cash Ratio
0.00 0.00 0.21 0.21 12.00
Solvency Ratio
0.08 0.07 0.07 0.07 0.07
Operating Cash Flow Ratio
0.00 0.00 0.19 0.19 0.09
Short-Term Operating Cash Flow Coverage
0.00 0.00 11.78 11.78 0.00
Net Current Asset Value
Rs -187.55BRs -187.55BRs -158.59BRs -158.59BRs -121.74B
Leverage Ratios
Debt-to-Assets Ratio
<0.01 <0.01 0.03 0.03 0.02
Debt-to-Equity Ratio
0.02 0.02 0.12 0.12 0.12
Debt-to-Capital Ratio
0.02 0.02 0.11 0.11 0.11
Long-Term Debt-to-Capital Ratio
0.02 0.02 0.04 0.04 0.00
Financial Leverage Ratio
4.69 4.69 4.77 4.77 4.91
Debt Service Coverage Ratio
0.00 0.00 1.07 1.07 1.49
Interest Coverage Ratio
0.00 0.00 1.69 1.69 2.74
Debt to Market Cap
<0.01 <0.01 0.02 0.02 0.00
Interest Debt Per Share
9.95 9.96 127.84 127.84 101.78
Net Debt to EBITDA
-0.89 0.00 -1.17 -1.17 -1.79
Profitability Margins
Gross Profit Margin
220.51%100.00%36.26%36.26%100.00%
EBIT Margin
46.38%0.00%49.01%49.01%38.75%
EBITDA Margin
50.45%0.00%54.02%54.02%42.55%
Operating Profit Margin
57.63%57.63%58.01%58.01%63.32%
Pretax Profit Margin
49.56%49.56%49.27%49.01%40.25%
Net Profit Margin
38.39%38.39%38.71%38.71%30.20%
Continuous Operations Profit Margin
38.41%38.41%38.71%38.71%30.20%
Net Income Per EBT
77.47%77.47%78.58%79.00%75.02%
EBT Per EBIT
85.98%85.98%84.93%84.49%63.56%
Return on Assets (ROA)
5.76%5.76%5.09%5.09%4.77%
Return on Equity (ROE)
28.39%27.01%24.27%24.27%23.41%
Return on Capital Employed (ROCE)
8.65%8.65%16.09%16.09%10.13%
Return on Invested Capital (ROIC)
6.71%6.71%20.90%20.87%15.71%
Return on Tangible Assets
5.80%5.80%5.13%5.13%4.81%
Earnings Yield
2.84%3.82%4.79%4.79%3.94%
Efficiency Ratios
Receivables Turnover
0.00 0.00 12.29 0.00 0.00
Payables Turnover
0.00 0.00 5.27 5.27 0.00
Inventory Turnover
0.00 0.00 -2.27 0.00 0.00
Fixed Asset Turnover
6.17 6.17 5.08 5.08 5.93
Asset Turnover
0.15 0.15 0.13 0.13 0.16
Working Capital Turnover Ratio
-0.84 -0.69 -0.73 -0.73 1.08
Cash Conversion Cycle
0.00 0.00 -200.50 -69.21 0.00
Days of Sales Outstanding
0.00 0.00 29.70 0.00 0.00
Days of Inventory Outstanding
0.00 0.00 -161.00 0.00 0.00
Days of Payables Outstanding
0.00 0.00 69.21 69.21 0.00
Operating Cycle
0.00 0.00 -131.29 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
43.25 43.29 175.78 175.78 1.75
Free Cash Flow Per Share
32.21 32.24 165.74 165.74 -4.72
CapEx Per Share
11.04 11.05 10.03 10.03 6.47
Free Cash Flow to Operating Cash Flow
0.74 0.74 0.94 0.94 -2.70
Dividend Paid and CapEx Coverage Ratio
0.97 0.66 3.28 3.28 0.05
Capital Expenditure Coverage Ratio
3.92 3.92 17.52 17.52 0.27
Operating Cash Flow Coverage Ratio
4.35 4.35 3.75 3.75 0.04
Operating Cash Flow to Sales Ratio
0.14 0.14 0.74 0.74 <0.01
Free Cash Flow Yield
0.77%1.04%8.66%8.66%-0.23%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
35.16 26.19 20.89 20.89 25.36
Price-to-Sales (P/S) Ratio
13.50 10.05 8.09 8.09 7.66
Price-to-Book (P/B) Ratio
9.50 7.07 5.07 5.07 5.94
Price-to-Free Cash Flow (P/FCF) Ratio
129.51 96.47 11.55 11.55 -426.51
Price-to-Operating Cash Flow Ratio
96.46 71.85 10.89 10.89 1.15K
Price-to-Earnings Growth (PEG) Ratio
2.94 0.87 1.35 2.37 1.79
Price-to-Fair Value
9.50 7.07 5.07 5.07 5.94
Enterprise Value Multiple
25.86 0.00 13.80 13.80 16.21
Enterprise Value
466.95B 343.71B 203.50B 203.50B 209.01B
EV to EBITDA
25.86 0.00 13.80 13.80 16.21
EV to Sales
13.04 9.60 7.46 7.46 6.90
EV to Free Cash Flow
125.17 92.14 10.64 10.64 -384.14
EV to Operating Cash Flow
93.22 68.62 10.04 10.04 1.04K
Tangible Book Value Per Share
425.58 425.99 365.24 365.24 326.51
Shareholders’ Equity Per Share
439.37 439.80 377.39 377.39 338.96
Tax and Other Ratios
Effective Tax Rate
0.22 0.22 0.21 0.22 0.20
Revenue Per Share
309.11 309.41 236.64 236.64 262.84
Net Income Per Share
118.67 118.78 91.61 91.61 79.36
Tax Burden
0.77 0.77 0.79 0.79 0.75
Interest Burden
1.07 0.00 1.01 1.00 1.04
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.10 0.10 0.10 0.10 0.06
Stock-Based Compensation to Revenue
0.02 0.02 0.01 0.01 0.03
Income Quality
0.36 0.36 1.92 1.92 0.02
Currency in ZAR