Capitec logo

Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

How to buy Capitec Bank (CPI) shares

Learn how to easily invest in Capitec Bank shares.

Capitec Bank Holdings Limited (CPI) is a leading banks-regional business based in South Africa. It opened the day at R162857 after a previous close of R162543. During the day the price has varied from a low of R161429 to a high of R164215. The latest price was R163008 (25 minute delay). Capitec Bank is listed on the JSE and employs 14,789 staff. All prices are listed in South African Rand.

How to buy shares in Capitec Bank

  1. Compare share trading platforms. Use our comparison table to help you find a platform that fits you.
  2. Open your brokerage account. Complete an application with your details.
  3. Confirm your payment details. Fund your account.
  4. Research the stock. Find the stock by name or ticker symbol – CPI – and research it before deciding if it's a good investment for you.
  5. Purchase now or later. Buy your desired number of shares with a market order or use a limit order to delay your purchase until the stock reaches a desired price.
  6. Check in on your investment. Optimize your portfolio by tracking your stock.

Compare online brokers

Name Product Number of Stocks CFDs Shares Available Markets
eToro
2,000+
Yes
Yes
Worldwide with exception.
CFD Service. Your capital is at risk.
Plus500
2,000+
Yes
No
Worldwide with exception.
CFD Service. Your capital is at risk.
Prime XBT
Access to global markets
No
Yes
US, IN, ES, JP, AU, UK, CN, DE, CA, CH, MX, NZ, CH, HK, FR
Zacks Trade
Zacks Trade
Access to global markets
No
Yes
US, CA, MX, AUT, BEL, FR, DE, IT, NL, ES, NO, SE, UK, CH, HK, JP, SG, RU, AU
Firstrade
Access to US stocks
No
Yes
US
CM Trading
N/A
Yes
No
US, FR, DE, UK, AU, ZA, CH. HK, JP, ES, NL, IT
CFD Service. Your capital is at risk.
Exness
N/A
Yes
No
CH, VN, TH, PH, SG, ID, IN, UAE, ZA, SA, EG, BR, CR, MX
CFD Service. Your capital is at risk.
Interactive Brokers
Access to global markets
No
Yes
US, MX, RU, ES, UK, DE, IL, HK, SG, IN, KR, AU, CH, HU, CA
loading

Compare up to 4 providers

How has Coronavirus impacted Capitec Bank's stock price?

Since the stock market crash in March caused by coronavirus, Capitec Bank's stock price has had significant positive movement.

Its last market close was R170104, which is 18.23% up on its pre-crash value of R139090 and 215.09% up on the lowest point reached during the March crash when the stocks fell as low as R53986.

If you had bought R1,000 worth of Capitec Bank stocks at the start of February 2020, those stocks would have been worth R924.00 at the bottom of the March crash, and if you held on to them, then as of the last market close they'd be worth R1,701.04.

Is it a good time to buy Capitec Bank stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

Capitec Bank shares at a glance

Information last updated 2021-07-09.
OpenR162,857.00
HighR164,215.00
LowR161,429.00
CloseR163,008.00
Previous closeR162,543.00
Change R465.00
Change % 0.2861%
Volume 211,885
Information last updated 2021-10-16.
52-week rangeR106,254.30 - R192,817.00
50-day moving average R182,899.19
200-day moving average R165,747.50
Wall St. target priceR1,650.88
PE ratio 25.1141
Dividend yield R28 (0.02%)
Earnings per share (TTM) R66.93

Capitec Bank stock price (JSE: CPI)

Use our graph to track the performance of CPI stocks over time.

Capitec Bank price performance over time

Historical closes compared with the close of R163008 from 2021-10-22

1 week (2021-10-15) -3.02%
1 month (2021-09-22) -13.47%
3 months (2021-07-22) 2.76%
6 months (2021-04-22) 18.51%
1 year (2020-10-22) 37.91%
2 years (2019-10-22) 19.52%
3 years (2018-10-22) 63.13%
5 years (2016-10-21) 142.21%

Is Capitec Bank under- or over-valued?

Valuing Capitec Bank stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Capitec Bank's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

Capitec Bank's P/E ratio

Capitec Bank's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 25x. In other words, Capitec Bank shares trade at around 25x recent earnings.

Capitec Bank financials

Revenue TTM R20.9 billion
Operating margin TTM 49.29%
Gross profit TTM R15 billion
Return on assets TTM 4.98%
Return on equity TTM 26.71%
Profit margin 37.06%
Book value R275.92
Market capitalisation R19.4 trillion

TTM: trailing 12 months

Capitec Bank's environmental, social and governance track record

Environmental, social and governance (known as ESG) criteria are a set of three factors used to measure the sustainability and social impact of companies like Capitec Bank.

When it comes to ESG scores, lower is better, and lower scores are generally associated with lower risk for would-be investors.

Capitec Bank's total ESG risk score

Total ESG risk: 34.61

Socially conscious investors use ESG scores to screen how an investment aligns with their worldview, and Capitec Bank's overall score of 34.61 (as at 12/31/2018) is pretty weak – landing it in it in the 62nd percentile of companies rated in the same sector.

ESG scores are increasingly used to estimate the level of risk a company like Capitec Bank is exposed to within the areas of "environmental" (carbon footprint, resource use etc.), "social" (health and safety, human rights etc.), and "governance" (anti-corruption, tax transparency etc.).

Capitec Bank's environmental score

Environmental score: 4.4/100

Capitec Bank's environmental score of 4.4 puts it squarely in the 4th percentile of companies rated in the same sector. This could suggest that Capitec Bank is a leader in its sector terms of its environmental impact, and exposed to a lower level of risk.

Capitec Bank's social score

Social score: 12.39/100

Capitec Bank's social score of 12.39 puts it squarely in the 4th percentile of companies rated in the same sector. This could suggest that Capitec Bank is a leader in its sector when it comes to taking good care of its workforce and the communities it impacts.

Capitec Bank's governance score

Governance score: 18.82/100

Capitec Bank's governance score puts it squarely in the 4th percentile of companies rated in the same sector. That could suggest that Capitec Bank is a leader in its sector when it comes to responsible management and strategy, and exposed to a lower level of risk.

Capitec Bank's controversy score

Controversy score: 2/5

ESG scores also evaluate any incidences of controversy that a company has been involved in. Capitec Bank scored a 2 out of 5 for controversy – the second-highest score possible, reflecting that Capitec Bank has, for the most part, managed to keep its nose clean.

Capitec Bank share dividends

24%

Dividend payout ratio: 23.9% of net profits

Recently Capitec Bank has paid out, on average, around 23.9% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 1.67% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Capitec Bank shareholders could enjoy a 1.67% return on their shares, in the form of dividend payments. In Capitec Bank's case, that would currently equate to about R28 per share.

While Capitec Bank's payout ratio might seem low, this can signify that Capitec Bank is investing more in its future growth.

The latest dividend was paid out to all shareholders who bought their shares by 19 October 2021 (the "ex-dividend date").

Have Capitec Bank's shares ever split?

Capitec Bank's shares were split on a 1075:1041 basis on 14 October 2012. So if you had owned 1041 shares the day before before the split, the next day you'd have owned 1075 shares. This wouldn't directly have changed the overall worth of your Capitec Bank shares – just the quantity. However, indirectly, the new 3.2% lower share price could have impacted the market appetite for Capitec Bank shares which in turn could have impacted Capitec Bank's share price.

Capitec Bank share price volatility

Over the last 12 months, Capitec Bank's shares have ranged in value from as little as R106254.3048 up to R192817. A popular way to gauge a stock's volatility is its "beta".

CPI.JSE volatility(beta: 0.69)Avg. volatility(beta: 1.00)LowHigh

Beta is a measure of a share's volatility in relation to the market. The market (JSE average) beta is 1, while Capitec Bank's is 0.6893. This would suggest that Capitec Bank's shares are less volatile than average (for this exchange).

Capitec Bank overview

Capitec Bank Holdings Limited, through its subsidiaries, provides various banking products and services in South Africa. It operates through two segments, Retail Banking and Business Banking. The company offers transactional banking services; term loans, credit facilities, mortgage loans, overdrafts, instalment sales and leases, credit cards, and access facilities; rental finance; collection and payment services; and merchant services, as well as funeral and life insurance products. It also provides treasury products, which includes foreign exchange spot trades, foreign exchange forward contracts, vanilla foreign exchange options, and money market call or term deposits; and internet banking and mobile banking services, as well as debit cards. As of February 2021, the company operated approximately 857 branches and 2,660 ATMs. Capitec Bank Holdings Limited was incorporated in 1999 and is based in Stellenbosch, South Africa. .

Frequently asked questions

Capitec Bank in the news

There are no recent company news
Disclaimer: This information should not be interpreted as an endorsement of futures, stocks, ETFs, CFDs, options or any specific provider, service or offering. It should not be relied upon as investment advice or construed as providing recommendations of any kind. Futures, stocks, ETFs and options trading involves substantial risk of loss and therefore are not appropriate for all investors. Trading CFDs and forex on leverage comes with a higher risk of losing money rapidly. Past performance is not an indication of future results. Consider your own circumstances, and obtain your own advice, before making any trades.

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked
Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy Policy and Terms.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site