Capitec Bank Holdings Limited (CKHGY) 📈: отчетность и дивиденды за 2025

Capitalization

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
Капитализация, млрд R		3.76	4.14	5.16	4.27	6.39	6.81	5.25			9.31	5.58	0.35
Выручка, млрд R		1.51	1.85	1.9	2.04	1.92	2.4	2.53	27.3	44.07	27.3	15.64	87.14
Чистая прибыль, млрд R		0.2668	0.3416	0.3909	0.4284	0.2699	0.5741	0.5807	10.57	13.74	10.57	5.15	119.46
EV, млрд R				-10.38	-3.04	-6.11	220.69	374.53	216.78	149.76	216.78	191.13	-289.61
EBIT, млрд R	-0.0448	-0.0541	-0.1929	-0.2518	-0.2788	-1.5	-1.42	-1.2	-1.45		-1.45	-1.1698	39.06
EBITDA, млрд R	-0.0149	-0.0165	-0.1501	-0.2051	-0.2015	-0.2547	-0.1912	-0.0477	-0.0873		-0.0873	-0.1565	-15.40
OIBDA, млрд R						5.31	10.36	11.61	5.18		5.18	8.11	-0.62
Баланс стоимость, млрд R		1.23	1.6	1.54	1.63	1.98	2.31	2.13	43.53	50.88	43.53	20.17	91.42
FCF, млрд R		0.2496	0.8164	0.5781	15	28.89	13.15	3.09	13.13	23.53	13.13	16.36	-4.02
Операционный денежный поток, млрд R		0.3197	0.8798	0.6623	16.4	29.73	14.02	4.25	14.29	24.9	14.29	17.44	-3.48
Операционная прибыль, млрд R		5.24	6.29	7.27	8.25	5.84	11.12	12.24	15.83	25.97	15.83	14.20	34.78
Операционные расходы, млрд R		0.5114	0.3714	0.3393	0.4028	0.4141	0.5112	0.5621	11.46	18.1	11.46	6.21	112.87
CAPEX, млрд R		0.0701	0.0634	0.0842	1.4	0.8372	0.8625	1.16	1.04	1.37	1.04	1.05	10.35

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2025Q1	5 quarters average	CAGR 5
Капитализация, млрд R	13.93	6.77	15.53	8.03	6.65	6.01	5.8	4.57	5.2	5.74					5.46	-0.92
Выручка, млрд R				5.65	5.65	6.06	6.06	123.01	235.43	7.41	14.82	8.46	16.92		56.61	-40.94
Чистая прибыль, млрд R				2.16	2.16	2.41	2.41	46.29	88.59	2.93	5.87	3.21	6.42		21.40	-40.84
EV, млрд R					-17.57	-10.1	72.7	-378.12	62.46	109.22	222.31	110.63	319.3	149.76	182.24	6.52
EBIT, млрд R			2.95	2.77	2.77	3.04	3.04	58.1	111.19	3.78	7.55		33.83		42.89	-10.25
EBITDA, млрд R				0.015	0.015	-0.0389	-0.0389	0.2565	0.4908	-0.0566	-0.1133	8.46	33.83		8.52	133.17
OIBDA, млрд R									22.6	0.8419	-2.62	13.7	44.32		15.77	14.42
Баланс стоимость, млрд R					2.1	37.92	2.13	776.33	2.08	43.53	43.53	45.93	45.93	50.88	45.96	3.17
FCF, млрд R				0.3595	0.3595	-4.33	-4.33	90.84	86.93	-44.23	-90.12	4.82	9.63		-6.5940	-35.60
Операционный денежный поток, млрд R				0.6065	0.6065	-4.11	-4.11	95.22	91.12	-38.63	-78.7	5.28	10.57		-2.0720	-35.00
Операционная прибыль, млрд R				2.76	2.76	3.08	3.08	57.84	110.7	3.83	3.36	8.46	16.92		28.65	-31.32
Операционные расходы, млрд R		3.36	0.5963	2.87	2.87	3.01	3.01	64.88	124.18	3.63	11.46				41.43	30.65
CAPEX, млрд R				0.247	0.247	0.2202	0.2202	4.38	4.19	5.6	11.41	0.466	0.932		4.52	-25.96

	5 quarters average	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
Наличность, млрд R				25.14	23.1	28.39	18.99	22.8	28.12	27.8	22.64	29.33	22.64	26.14	5.17
Short Term Investments R			-8.05	-8.15	-3.93	-11.56	-2.74	-2.85	5.37	9.83	17.18		17.18	5.36	-244.36
Long term investments R	4.95	2.67	2.24	5.48	12.02	11.15	19.31	38.44	63.42	62.03				38.87	40.95
Total Receivables R				0.1153	0.3343	0.394	0.9553	1.09	1.53	3.18	2.22	2.86	2.22	2.18	21.28
Total Current Assets R				2.43	3.41	3.63	2.81	3.38	2.57	2.31	5.45	29.33	5.45	8.61	54.06
Чистые активы, млрд R		0.8488	1.11	1.52	1.75	2.21	5.48	5	4.93	5.11			5.11	4.55	18.25
Активы, млрд R				5.61	7.2	7.14	8.55	10.33	11.52	10.45	207.58	238.46	207.58	95.67	87.35
Short Term Debt R	11.85	11.17					0.018	0.017	0.0354	0.0214			0.0214	2.25	-71.39
Long Term Debt R	11.85	11.15	10.15	5.38	4.4	2.76								6.77	-24.36
Задолженность, млрд R				4.38	5.6	5.6	6.93	8.36	9.2	8.32	164.05	187.55	164.05	75.50	86.29
Чистый долг, млрд R				-24.69	-22.66	-28.06	-18.6	-22.54	-27.83	-27.54	-22.64	-29.33	-22.64	-25.9760	5.41
Долг, млрд R	23.7	22.33				3.66	5.42	4.08	0.2902	0.2584	5.4		5.4	3.09	-0.07
Interest income R				14.1	14.7	14.71	16.38	16.54	17.01	20.3				16.99	6.65
Расходы на обслуживание долга R				0.0484	0.0444	0.0621	0.0669	0.0356	0.0503	0.0398	9.34	10.04	9.34	3.90	209.07
Чист. проц. доходы, млрд R				10.55	10.51	10.2	10.7	11.56	12.17	13.31	1.39		1.15	9.83	-33.51
Goodwill R						0.7945	0.0505	0.0561	0.055	0.0463				0.2005	-43.36
Амортизация, млрд R				0.0376	0.0428	0.0468	0.0773	1.24	1.22	1.15	1.37	1.45	1.37	1.29	3.18
Себестоимость, млрд R											8.75		8.75	8.75	0.00
Товарно материальные запасы R			-12.62	-17.11	-19.5	-17.23	-17.21	-21.04	24.28	21.14	0.3484		0.3484	1.50	-145.84

	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2025Q1	5 quarters average	CAGR 5
Наличность, млрд R																							29.92	17.96	27.8	506.26	26.97	5.45	22.64	22.64	22.64	29.33	20.54	40.02
Short Term Investments R												-5.51		-2.74	-0.972		-2.85		-1.23		-5.37		-3.32		-9.83		1.31		17.18				-0.0060	-226.19
Long term investments R											14.8	14.9		19.31	24.34		38.44		60.69		63.42		64.71		62.03		75.81						65.33	4.55
Total Receivables R																				1.53	1.53	6.12	5.52	4.73	3.18	140.81	7.14		2.22			2.86	31.24	-2.10
Total Current Assets R																							2.08	17.96	2.31	506.26	1.8	5.45	5.45	22.64	22.64	29.33	17.10	40.02
Чистые активы, млрд R																		4.93	4.93	4.93	4.93	5.05	5.05	5.11	5.11	102.33	5.19						24.56	0.55
Активы, млрд R																							10.72	190.64	10.45	3 955.38	10.59	207.58	207.58	222.73	222.73	238.46	219.82	2.81
Short Term Debt R	7.59	7.59	0.0832	0.0881	1.81	1.81								0.018			0.017				0.0354				0.0214								0.3804	-58.83
Long Term Debt R	7.54	7.54			4.4	4.4	5.77	5.77	2.76	0.000987	3.95	3.95																					3.29	-7.30
Задолженность, млрд R																							8.62	152.72	8.32	46.73	8.51	164.05	164.05	176.77	176.77	187.55	173.84	2.71
Чистый долг, млрд R																							-29.67	-15.65	-27.54	-459.53	-26.72	-3.8	-17.23	-18.85	-18.85	-29.33	-17.6120	50.49
Долг, млрд R						6.21															3.82		3.98		0.2584	46.73	0.2478	1.65	5.4	3.79	3.79		2.98	72.55
Goodwill R													0.7945	0.0505		0.8495	0.0561			0.8495	0.055			0.8495	0.0463			0.8495					0.5300	0.00
Амортизация, млрд R																					-3.05	-2.76	-2.76	-3.08	-3.08	-57.84	-110.7	-3.83	-7.67		-0.002		-36.0084	-87.18
Себестоимость, млрд R																							4.38	-0.1064	4.9		183.22						48.10	154.32
Товарно материальные запасы R												-38.52		-17.21	-54.1		-21.04		-35		-24.28		-32.12		-21.14		32.8		0.3484				-8.8783	-142.79

Share

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	2.48	3.15	3.34	2.87	3.55	2.48	1.26	45.71	118.65	45.71	34.33	101.75
Цена акции ао	44.34	38.86	51.71	49.81	63.9	54.62	55.4	83.05	96.07	96.07	70.61	8.50
Число акций ао, млн	116.02	115.84	115.77	115.75	115.84	231.6	462.47	231.18	115.82	231.18	231.38	-0.00
FCF/акцию	2.15	7.05	4.99	129.6	249.41	56.79	6.69	56.79	203.17	56.79	114.57	-4.02

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2025Q1	2025Q2	5 quarters average	CAGR 5
EPS				40.35	0.9663	43.5	384.07	400.69	766.88	25.37	25.38	27.8	27.8			174.65	-48.49
Цена акции ао			67.01	69.23	57.37	52.13	50.33	39.55	44.99	49.67				88.71	96.07	63.80	19.42
Число акций ао, млн	231.51	115.84	231.68	115.93	115.93	115.3	115.3	115.53	115.53	115.65						115.46	0.06
FCF/акцию				3.1	3.1	-37.52	-37.52	786.35	752.5	-382.43	-389.6	41.69	41.69			12.77	-43.93

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2014	2015	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %			21.65	21.35	25.36	26.34	13.67	26.76	26.14	46.29	29.11	46.29	20.26	28.39	16.32
ROA, %			4.76	4.75	5.47	5.01	2.61	5.25	5.29	9.69	6.16	9.69	5.10	5.80	18.74
ROIC, %	8.18	10.02				21.55	156.57	259.66	234.7	34.48		34.48	7.36	141.39	9.86
ROS, %			17.65	18.48	20.56	21.01	14.07	23.96	23	38.71	38.71	38.71	30.53	27.69	22.44
ROCE, %			-4.39	-12.05	-16.33	-17.14	-75.77	-26.18	-23.99	-0.7064	-3.34	-3.34	8.03	-25.9973	-46.44
Ebit margin, %						-13.68	-77.99	-59.08	-47.47	-5.33	-5.33	-5.33		-39.0400	-41.53
Рентаб EBITDA, %			-1.09	-8.12	-10.78	-9.88	-13.27	-7.98	-1.89	-0.3197	-0.3197	-0.3197	25.01	-4.7559	-52.53
Чистая рентаб, %			17.65	18.48	20.56	21.01	14.07	23.96	23	38.71	31.18	38.71	30.53	26.18	17.25
Operation Margin, %			346.63	340.34	382.37	404.7	304.16	464.24	484.82	58.01	58.01	58.01	28.21	273.85	-28.21
Доходность FCF, %			6.64	19.72	11.21	351	452.17	193.27	58.85					213.30	39.32

	2016Q4	2017Q1	2017Q4	2018Q1	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %								6.04	103.01	6.36	113.28	5.96	24.75	1.04	2.78	2.57	16.36		20.26	9.50	-7.95
ROA, %								1.18	20.16	1.27	23.08	1.17	4.47	2.69	2.83	1.49	2.88		5.10	2.87	-8.42
ROIC, %	4.75	4.96	6.99	7.25							3096.88	9.52	5126.18		151.46	10.37	20.73		7.36	1063.65	16.84
ROS, %									38.27	39.8	39.8	37.63	37.63	39.59	39.6	37.97	37.97	38.71	30.53	38.77	-0.45
ROCE, %								1.53	132.22	8.03	143	1.49	10.53	1.29	2.2		15.79	-3.34	8.03	5.29	-179.48
Ebit margin, %													47.23	50.95	50.95		200	-5.33		68.76	-164.64
Рентаб EBITDA, %									0.2656	-0.6412	-0.6412	0.2085	0.2085	-0.764	-0.764	99.99	199.99	-0.3197	25.01	59.63	-15.99
Чистая рентаб, %								38.27	38.27	39.8	39.8	37.63	37.63	39.59	39.6	37.97	37.97		30.53	38.55	0.18
Operation Margin, %									48.86	50.89	50.89	47.02	47.02	51.71	22.68	100	100	58.01	28.21	66.48	2.33
Доходность FCF, %					4.14	-66.11	2.48	4.48	5.41	-71.98	-74.55	100.78	88.6	-40.83						0.4040	-10.72

Coefficients

IFRS

Reporting Annual Quarterly

	2014	2015	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E			14.08	12.12	13.19	9.98	23.67	432.92	692.39	22.66	13.03	22.66	13.47	236.93	-11.25
P/BV			3.05	2.59	3.34	2.63	3.24	107.37	188.83	5.5	3.52	5.5	1.74	61.69	1.67
P/S			2.48	2.24	2.71	2.1	3.33	103.73	159.23	8.77	4.06	8.77	3.06	55.82	4.04
P/FCF			15.05	5.07	8.92	0.2849	0.2212	0.5174	1.7	0.7091	0.7091	0.7091	2.82	0.7714	26.24
E/P			0.071	0.0825	0.0758	0.1002	0.0422	0.0844	0.1105	1.14	1.14	1.14	87.84	0.5034	93.34
EV/EBIT						-452.86	-92.13	-155.93	-312.46	-149.02	-149.02	-149.02		-171.7120	10.10
EV/EBITDA					-1.09	-0.2357	-0.6177	-1154.1	-7850.83	-2484.32		-2484.32	-135.55	-2298.0207	537.63
EV/S						61.93	71.85	92.12	148.32	7.94	7.94	7.94	1.56	65.63	-35.63
EV/FCF						8.42	4.77	16.78	121.14	16.51	16.51	16.51	2.03	35.14	28.19
Debt/EBITDA	-1264.68	-1353.74			0.3831	0.4199	0.4128	-1.52	-5.42	-61.93	-61.93	-61.93	-179.19	-26.0774	-372.42
Netdebt/Ebitda			1495.6	150.94	136.86	92.33	88.49	145.53	577.21	259.41	259.41	259.41	208.29	266.01	24.00
Debt/Ratio	0.513	0.4141				0.0456	0.0257	0.0252	0.0247	0.026	0.026	0.026	0.12	0.0255	0.23
Debt/Equity	2.37	1.93				0.2401	0.1344	0.1254	0.1214	0.1241	3.77	3.77	8.42	0.8551	94.80
Debt/Net Income	11.63	8.71				0.9114	0.9834	0.5056	0.445	0.5114	0.5114	0.5114	17.86	0.5914	-12.26
PEG											-0.5143	-0.5143		-0.5143	0.00
Бета									1.33	0.1724	-0.4227	-0.4227	0.69	0.3599	-168.24
Индекс Альтмана			1.09	0.8984	1.07	0.6536	0.7499	0.8259	0.7963	0.1178	0.117	0.117	54.78	0.5214	-31.03

	2017Q4	2018Q1	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E					3.71	3.08	2.49	2.41	0.606	0.3364	0.8188	1.24	2.43	13.76			13.47	3.72	110.06
P/BV						3.17	0.1585	2.73	0.0208	42.91	2.6	5.5	2.82	7.36	3.52		1.74	4.36	6.25
P/S					1.42	1.18	0.9919	0.9577	0.2364	0.1301	0.314	0.4682	0.9183	5.33			3.06	1.43	110.13
P/FCF			-1.51	40.36	22.32	18.5	-1.39	-1.34	0.9923	1.13	-2.45					0.7091	2.82	-0.1917	-188.05
E/P			0.3403	0.0194	0.2693	0.325	0.4013	0.4156	0.5135	0.4515	0.5108					1.14	87.84	0.6063	22.36
EV/EBIT										0.5618	28.92	29.44		9.44		-149.02		-16.1316	-405.30
EV/EBITDA		173.89				-578.54	264.24	-101.92	-1474.42	-46.38	-148.39	385.02	12.6	7.58			-135.55	42.09	-169.61
EV/S	-2.71	-3.81						0.6535	-3.07	0.2653	14.74	15	13.08	18.88		7.94	1.56	13.93	-11.64
EV/FCF	3.42	4.8						-0.9153	-4.16	0.7185	-2.47	-2.47	22.97	33.14		16.51	2.03	13.54	-246.22
Debt/EBITDA		-86.73				279.73		-0.3623	182.23	0.505	-29.12	-47.71	0.4481	0.112		-61.93	-179.19	-27.6400	16.29
Netdebt/Ebitda						-1978.19	402.69	708.74	-1791.85	-54.44	67.17	152.14	-2.23	-0.5573		259.41	208.29	95.19	31.03
Debt/Ratio	0.073	0.073						0.0247	0.0118	0.0234	0.0079	0.026	0.017	0.017		0.026	0.12	0.0188	26.90
Debt/Equity	0.3285	0.3285						0.1214	0.0602	0.1193	0.0379	0.1241	0.0825	0.0825		3.77	8.42	0.8194	150.92
Debt/Net Income	5.15	5.15						0.0058	1.01	0.0028	0.5621	0.9205	1.18	0.5899		0.5114	17.86	0.7528	-1.87
PEG																-0.5143		-0.5143	0.00
Бета															0.4774	-0.4227	0.69	0.0273	-194.10
Индекс Альтмана			-0.0327	1.63	-0.0219	1.46	-0.1094	1.45	-0.0586	1.38					0.1178	0.117	54.78	0.6012	-39.55

Dividends

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	0.0839	0.0927	0.1181	0.1351	2.17	0.0061	6.19	5.02	6.3		6.3		3.94	23.76
Дивиденд		0.4775	0.6021	0.6441		0.9683	0.8414	1.14	1.51	1.15	1.75		1.12	3.50
Див доход, ао, %		1.47	1.68	1.45	0.5972	1.76	0.6541	2.23	1.69	1.81	1.75	6.29	1.63	0.56
Дивиденды / прибыль, %		34.75	34.56	34.57	507.65	2.27	564.07	1065.87	47.54	45.87	47.54	49.09	345.12	82.43
Dividend Coverage Ratio										1.68	1.68		1.68	0.00

	2018Q2	2018Q4	2019Q2	2019Q4	2021Q2	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2025Q2	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд							0.0842	2.29	2.29	1.62	1.62	32.03	30.65		68.25	1.94	3.89			27.35	-34.40
Дивиденд	0.3837	0.2184	0.3914	0.2527	0.5664	0.4019		0.462		0.3793		0.7326		0.4033						0.4758	0.07
Див доход, ао, %	1.12	0.5966	0.8433	0.531	1.06	0.6878		0.6674		0.7276		1.85		0.812					6.29	0.9490	3.38
Дивиденды / прибыль, %							27.87	105.81	105.81	67.31	66.98	69.19	34.59		1162.46	60.5	60.5		49.09	277.45	-2.65
Dividend Coverage Ratio																		1.68		1.68	0.00

Other

IFRS

Reporting Annual Quarterly

	2021	2022	2023	2024	2025	LTM	CAGR 5
CAPEX/Выручка, %	43.63	36	46.07	3.8	3.12	3.8	-41.00
Персонал, чел			15 451	15 425			-0.08

	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	CAGR 5
CAPEX/Выручка, %	1.78	75.58	77	5.51	5.51	25.36

	CAGR 5

Investing Port

Capitec Bank Holdings Limited

Reporting Capitec Bank Holdings Limited

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