Capitec Bank Holdings Limited (CKHGF)
OTHER OTC:CKHGF
Earnings Data
Report Date
Sep 30, 2026TBA (Confirmed)
Period Ending
2027 (Q2)Consensus EPS Forecast
―Last Year’s EPS
3.83Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented multiple strong operating and financial positives: robust client and app engagement growth, headline earnings up 23%, ROE at 31%, significant growth in cards, purpose lending, business banking, insurance and Capitec Connect, plus meaningful client givebacks and fraud prevention. Key challenges include elevated credit loss metrics (notably driven by Avafin), a decline in ECL coverage ratios, Avafin's short-term profitability and distribution issues, and macro/geopolitical downside risks that could pressure provisioning. On balance the positive momentum, diversified income growth and disciplined cost management outweigh the challenges raised.Company Guidance
Large Client Base and App Engagement
26 million active clients total; active app clients up 19% to 15 million (used app in last 30 days) — roughly >1 in 3 adult South Africans.
Strong Earnings and Profitability
Headline earnings up 23% to ZAR 16.8 billion; return on equity (ROE) improved to 31% driven by positive jaws (OpEx growth 12% vs stronger income growth).
Balanced Income Mix and Diversification
Balanced growth across net interest income and non-interest income; just over two-thirds of operating income now from non-interest sources (transactions, Connect, VAS, insurance).
Capitec Connect & Connectivity Growth
Capitec Connect active base up 67%; data usage up ~3x to 40.5 PB; provided 78 million units of free data (3 PB) and launched free Connect-to-Connect calling and Connect devices (entry pricing from ZAR 181/month).
Credit Growth with Quality Controls
Personal Bank credit book grew 9.4%; credit card balances up 32%; disbursements up 27% to ZAR 68.7 billion; purpose lending up 94%; added ~110,000 new credit clients and onboarded ~147,000 young adults to build credit access.
Savings Market Share and Client Returns
Market share of fixed and notice deposits rose to 13%; savings plans grew by ZAR 15 billion and notice accounts attracted ZAR 858 million in interest paid to clients.
Insurance Expansion and Embedded Sales
Lives insured 16.6 million; total sum assured > ZAR 508 billion; net insurance income up 38% and funeral cover net result up 58% as all new policies sold on Capitec's own license.
Business Banking and Merchant Momentum
Business banking active clients grew from 174k (Feb 2024) to 456k; business lending book ZAR 30.4 billion (up 30%); scored lending grew to ZAR 3.1 billion from ZAR 738 million; 112k active merchants with ~ZAR 100 billion turnover on POS devices.
Fraud Prevention and Technology Adoption
Fraud interventions prevented losses of ZAR 673 million; ~5,000 employees actively use Gen AI (Claude, M365 Copilot, ChatGPT) averaging 4 uses/day to improve client service and productivity.
Client Givebacks and Price Reductions
Returned ~ZAR 1 billion to clients via fee reductions, lower card machine pricing and discount rates, lowered Connect prices (ZAR 330 million saved by clients), 1% credit card giveback saved ZAR 107 million, and other reductions totalling meaningful client savings.
CKHGF Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
CKHGF Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Apr 22, 2026 | $260.73 | $263.39 | +1.02% |
Oct 01, 2025 | $198.13 | $201.14 | +1.52% |
Apr 23, 2025 | $161.53 | $172.46 | +6.77% |
Oct 01, 2024 | $169.99 | $170.75 | +0.44% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Capitec Bank Holdings Limited (CKHGF) report earnings?
Capitec Bank Holdings Limited (CKHGF) is schdueled to report earning on Sep 30, 2026, TBA (Confirmed).
What is Capitec Bank Holdings Limited (CKHGF) earnings time?
Capitec Bank Holdings Limited (CKHGF) earnings time is at Sep 30, 2026, TBA (Confirmed).
Where can I see when companies are reporting earnings?
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What companies are reporting earnings today?
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What is CKHGF EPS forecast?
Currently, no data Available