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

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Capitec Bank Holdings Ratios

CKHGF's free cash flow for Q4 2025 was Rs1.00. For the 2025 fiscal year, CKHGF's free cash flow was decreased by Rs and operating cash flow was Rs0.00. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
0.00 0.05 0.05 13.37 13.41
Quick Ratio
0.00 0.12 0.05 31.70 31.42
Cash Ratio
0.00 0.21 0.21 12.00 12.72
Solvency Ratio
0.08 0.07 0.07 0.07 0.07
Operating Cash Flow Ratio
0.00 0.19 0.19 0.09 6.34
Short-Term Operating Cash Flow Coverage
0.00 11.78 11.78 0.00 0.00
Net Current Asset Value
Rs -158.22BRs -158.59BRs -158.59BRs -121.74BRs -112.53B
Leverage Ratios
Debt-to-Assets Ratio
0.00 0.03 0.03 0.02 0.03
Debt-to-Equity Ratio
0.00 0.12 0.12 0.12 0.13
Debt-to-Capital Ratio
0.00 0.11 0.11 0.11 0.11
Long-Term Debt-to-Capital Ratio
0.00 0.04 0.04 0.00 0.00
Financial Leverage Ratio
4.69 4.77 4.77 4.91 4.98
Debt Service Coverage Ratio
-0.40 1.07 1.07 1.49 2.01
Interest Coverage Ratio
2.59 1.69 1.69 2.74 3.26
Debt to Market Cap
0.00 0.02 0.02 0.00 0.00
Interest Debt Per Share
87.07 127.84 127.84 101.78 80.63
Net Debt to EBITDA
0.00 -1.17 -1.17 -1.79 -1.95
Profitability Margins
Gross Profit Margin
100.00%36.26%36.26%100.00%100.00%
EBIT Margin
-3.29%49.01%49.01%38.75%40.42%
EBITDA Margin
0.00%54.02%54.02%42.55%44.96%
Operating Profit Margin
58.93%58.01%58.01%63.32%58.50%
Pretax Profit Margin
40.26%49.27%49.01%40.25%40.56%
Net Profit Margin
31.18%38.71%38.71%30.20%31.63%
Continuous Operations Profit Margin
31.20%38.71%38.71%30.20%31.49%
Net Income Per EBT
77.47%78.58%79.00%75.02%77.98%
EBT Per EBIT
68.31%84.93%84.49%63.56%69.33%
Return on Assets (ROA)
5.76%5.09%5.09%4.77%4.79%
Return on Equity (ROE)
28.39%24.27%24.27%23.41%23.84%
Return on Capital Employed (ROCE)
10.89%16.09%16.09%10.13%8.98%
Return on Invested Capital (ROIC)
8.44%20.90%20.87%15.71%12.66%
Return on Tangible Assets
5.80%5.13%5.13%4.81%4.83%
Earnings Yield
3.23%4.79%4.79%3.94%3.81%
Efficiency Ratios
Receivables Turnover
15.43 12.29 0.00 0.00 0.00
Payables Turnover
0.00 5.27 5.27 0.00 0.00
Inventory Turnover
0.00 -2.27 0.00 0.00 0.00
Fixed Asset Turnover
7.59 5.08 5.08 5.93 5.47
Asset Turnover
0.18 0.13 0.13 0.16 0.15
Working Capital Turnover Ratio
-1.57 -0.73 -0.73 1.08 1.09
Cash Conversion Cycle
23.65 -200.50 -69.21 0.00 0.00
Days of Sales Outstanding
23.65 29.70 0.00 0.00 0.00
Days of Inventory Outstanding
0.00 -161.00 0.00 0.00 0.00
Days of Payables Outstanding
0.00 69.21 69.21 0.00 0.00
Operating Cycle
23.65 -131.29 0.00 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
215.93 175.78 175.78 1.75 121.21
Free Cash Flow Per Share
204.02 165.74 165.74 -4.72 113.75
CapEx Per Share
11.90 10.03 10.03 6.47 7.46
Free Cash Flow to Operating Cash Flow
0.94 0.94 0.94 -2.70 0.94
Dividend Paid and CapEx Coverage Ratio
3.24 3.28 3.28 0.05 3.42
Capital Expenditure Coverage Ratio
18.14 17.52 17.52 0.27 16.25
Operating Cash Flow Coverage Ratio
0.00 3.75 3.75 0.04 3.13
Operating Cash Flow to Sales Ratio
0.57 0.74 0.74 <0.01 0.52
Free Cash Flow Yield
5.50%8.66%8.66%-0.23%5.88%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
31.00 20.89 20.89 25.36 26.24
Price-to-Sales (P/S) Ratio
9.71 8.09 8.09 7.66 8.30
Price-to-Book (P/B) Ratio
8.37 5.07 5.07 5.94 6.26
Price-to-Free Cash Flow (P/FCF) Ratio
18.18 11.55 11.55 -426.51 17.01
Price-to-Operating Cash Flow Ratio
17.10 10.89 10.89 1.15K 15.97
Price-to-Earnings Growth (PEG) Ratio
2.57 1.35 2.37 1.79 0.29
Price-to-Fair Value
8.37 5.07 5.07 5.94 6.26
Enterprise Value Multiple
0.00 13.80 13.80 16.21 16.51
Enterprise Value
398.41B 203.50B 203.50B 209.01B 200.14B
EV to EBITDA
0.00 13.80 13.80 16.21 16.51
EV to Sales
9.04 7.46 7.46 6.90 7.42
EV to Free Cash Flow
16.93 10.64 10.64 -384.14 15.22
EV to Operating Cash Flow
16.00 10.04 10.04 1.04K 14.28
Tangible Book Value Per Share
427.30 365.24 365.24 326.51 297.66
Shareholders’ Equity Per Share
441.15 377.39 377.39 338.96 309.32
Tax and Other Ratios
Effective Tax Rate
0.22 0.21 0.22 0.20 0.22
Revenue Per Share
382.07 236.64 236.64 262.84 233.18
Net Income Per Share
119.15 91.61 91.61 79.36 73.75
Tax Burden
0.77 0.79 0.79 0.75 0.78
Interest Burden
-12.24 1.01 1.00 1.04 1.00
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.00 0.10 0.10 0.06 0.07
Stock-Based Compensation to Revenue
<0.01 0.01 0.01 0.03 0.02
Income Quality
1.40 1.92 1.92 0.02 1.29
Currency in ZAR
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