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Capitec Bank Holdings Ltd ADR
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PenkeI guess you are interested in Capitec Bank Holdings Ltd ADR. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Capitec Bank Holdings Ltd ADR. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of Capitec Bank Holdings Ltd ADR (30 sec.)










What can you expect buying and holding a share of Capitec Bank Holdings Ltd ADR? (30 sec.)

How much money do you get?

How much money do you get?
$1.18
When do you have the money?
1 year
How often do you get paid?
92.5%

What is your share worth?

Current worth
$10.19
Expected worth in 1 year
$19.87
How sure are you?
72.5%

+ What do you gain per year?

Total Gains per Share
$10.86
Return On Investment
17.8%

For what price can you sell your share?

Current Price per Share
$61.04
Expected price per share
$58.45 - $
How sure are you?
50%

1. Valuation of Capitec Bank Holdings Ltd ADR (5 min.)




Live pricePrice per Share (EOD)

$61.04

Intrinsic Value Per Share

$-26.92 - $-1.32

Total Value Per Share

$-16.74 - $8.87

2. Growth of Capitec Bank Holdings Ltd ADR (5 min.)




Is Capitec Bank Holdings Ltd ADR growing?

Current yearPrevious yearGrowGrow %
How rich?$2.3b$3b$870.3m22.4%

How much money is Capitec Bank Holdings Ltd ADR making?

Current yearPrevious yearGrowGrow %
Making money$143.1m$123.9m$19.1m13.4%
Net Profit Margin38.6%39.0%--

How much money comes from the company's main activities?

3. Financial Health of Capitec Bank Holdings Ltd ADR (5 min.)




4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

What can you expect buying and holding a share of Capitec Bank Holdings Ltd ADR? (5 min.)

Welcome investor! Capitec Bank Holdings Ltd ADR's management wants to use your money to grow the business. In return you get a share of Capitec Bank Holdings Ltd ADR.

What can you expect buying and holding a share of Capitec Bank Holdings Ltd ADR?

First you should know what it really means to hold a share of Capitec Bank Holdings Ltd ADR. And how you can make/lose money.

Speculation

The Price per Share of Capitec Bank Holdings Ltd ADR is $61.04. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Capitec Bank Holdings Ltd ADR.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Capitec Bank Holdings Ltd ADR, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is $10.19. Based on the TTM, the Book Value Change Per Share is $2.42 per quarter. Based on the YOY, the Book Value Change Per Share is $-0.01 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is $0.29 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Capitec Bank Holdings Ltd ADR.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 $% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share
Usd Eps0.691.1%0.621.0%0.570.9%0.460.8%0.350.6%
Usd Book Value Change Per Share0.000.0%2.424.0%-0.010.0%0.260.4%0.200.3%
Usd Dividend Per Share0.420.7%0.290.5%0.460.7%0.200.3%0.140.2%
Usd Total Gains Per Share0.420.7%2.724.4%0.450.7%0.450.7%0.340.6%
Usd Price Per Share52.59-45.06-58.31-45.48-30.02-
Price to Earnings Ratio19.15-18.14-25.85-30.63-21.48-
Price-to-Total Gains Ratio126.53-32.92--0.13-7.27-46.44-
Price to Book Ratio5.16-24.25-58.16-43.31-23.13-
Price-to-Total Gains Ratio126.53-32.92--0.13-7.27-46.44-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share61.039
Number of shares16
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.290.20
Usd Book Value Change Per Share2.420.26
Usd Total Gains Per Share2.720.45
Gains per Quarter (16 shares)43.457.24
Gains per Year (16 shares)173.8228.97
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
119155164131619
238310338253348
356465512384977
4756206865065106
5947758606382135
611393010347698164
71321085120888115193
815012401382101131222
916913951556113147251
1018815501730126164280

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share4.00.00.0100.0%12.00.00.0100.0%20.00.00.0100.0%40.00.00.0100.0%46.00.00.0100.0%
Book Value Change Per Share2.01.01.050.0%6.05.01.050.0%10.09.01.050.0%18.012.010.045.0%21.012.013.045.7%
Dividend per Share3.00.01.075.0%11.00.01.091.7%19.00.01.095.0%37.00.03.092.5%43.00.03.093.5%
Total Gains per Share3.01.00.075.0%7.05.00.058.3%11.09.00.055.0%29.011.00.072.5%35.011.00.076.1%

Fundamentals of Capitec Bank Holdings Ltd ADR

About Capitec Bank Holdings Ltd ADR

Capitec Bank Holdings Limited, through its subsidiaries, provides various banking products and services in South Africa. The company operates through three segments: Retail Bank, Business Bank, and Insurance. It offers transactional banking services; flexible, fixed, and tax-free savings, and call and notice deposits; term loans, home, personal, vehicle, education, home improvement, business, term, medical, and mortgage loans; overdrafts, instalment sales and leases, credit and debit cards, and access facilities; rental finance; payment services; merchant services; and forex, franchising, and value-added services. The company also provides treasury products comprising foreign exchange spot trades and foreign exchange forward contracts; and internet banking and mobile banking services. In addition, it offers vehicle and asset finance, property finance, and rental finance; and insurance products, such as general, fleet, agricultural, engineering, motor traders, hospitality, contractors all risk, life, and credit insurance, as well as funeral cover. It operates through various branches, automated teller machines, dual note recyclers, and coin and note recyclers. The company was incorporated in 1999 and is based in Stellenbosch, South Africa.

Fundamental data was last updated by Penke on 2024-05-15 19:47:03.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is efficient in making profit.
Using its investors money, the company is very efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating very efficient.
The company is efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is able to pay all its short-term debts.
The company is just not able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is expensive.
Based on the earnings, the company is fair priced.
Based on how much money comes from the company's main activities, the company is expensive.

1.1. Profitability of Capitec Bank Holdings Ltd ADR.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Capitec Bank Holdings Ltd ADR earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare Capitec Bank Holdings Ltd ADR to the Banks - Regional industry mean.
  • A Net Profit Margin of 39.6% means that $0.40 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Capitec Bank Holdings Ltd ADR:

  • The MRQ is 39.6%. The company is making a huge profit. +2
  • The TTM is 38.6%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ39.6%TTM38.6%+1.0%
TTM38.6%YOY39.0%-0.4%
TTM38.6%5Y31.3%+7.3%
5Y31.3%10Y33.3%-2.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ39.6%38.5%+1.1%
TTM38.6%29.6%+9.0%
YOY39.0%26.3%+12.7%
5Y31.3%23.6%+7.7%
10Y33.3%20.4%+12.9%
1.1.2. Return on Assets

Shows how efficient Capitec Bank Holdings Ltd ADR is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Capitec Bank Holdings Ltd ADR to the Banks - Regional industry mean.
  • 1.4% Return on Assets means that Capitec Bank Holdings Ltd ADR generated $0.01 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Capitec Bank Holdings Ltd ADR:

  • The MRQ is 1.4%. Using its assets, the company is less efficient in making profit.
  • The TTM is 6.5%. Using its assets, the company is efficient in making profit. +1
Trends
Current periodCompared to+/- 
MRQ1.4%TTM6.5%-5.1%
TTM6.5%YOY11.4%-4.9%
TTM6.5%5Y4.6%+2.0%
5Y4.6%10Y2.9%+1.6%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ1.4%0.3%+1.1%
TTM6.5%0.2%+6.3%
YOY11.4%0.2%+11.2%
5Y4.6%0.2%+4.4%
10Y2.9%0.2%+2.7%
1.1.3. Return on Equity

Shows how efficient Capitec Bank Holdings Ltd ADR is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Capitec Bank Holdings Ltd ADR to the Banks - Regional industry mean.
  • 6.7% Return on Equity means Capitec Bank Holdings Ltd ADR generated $0.07 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Capitec Bank Holdings Ltd ADR:

  • The MRQ is 6.7%. Using its investors money, the company is less efficient in making profit.
  • The TTM is 33.1%. Using its investors money, the company is very efficient in making profit. +2
Trends
Current periodCompared to+/- 
MRQ6.7%TTM33.1%-26.3%
TTM33.1%YOY57.2%-24.1%
TTM33.1%5Y23.1%+10.0%
5Y23.1%10Y14.6%+8.5%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ6.7%3.1%+3.6%
TTM33.1%2.5%+30.6%
YOY57.2%2.7%+54.5%
5Y23.1%2.5%+20.6%
10Y14.6%2.8%+11.8%

1.2. Operating Efficiency of Capitec Bank Holdings Ltd ADR.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Capitec Bank Holdings Ltd ADR is operating .

  • Measures how much profit Capitec Bank Holdings Ltd ADR makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Capitec Bank Holdings Ltd ADR to the Banks - Regional industry mean.
  • An Operating Margin of 50.9% means the company generated $0.51  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Capitec Bank Holdings Ltd ADR:

  • The MRQ is 50.9%. The company is operating very efficient. +2
  • The TTM is 49.1%. The company is operating very efficient. +2
Trends
Current periodCompared to+/- 
MRQ50.9%TTM49.1%+1.9%
TTM49.1%YOY49.7%-0.6%
TTM49.1%5Y88.8%-39.7%
5Y88.8%10Y68.6%+20.2%
1.2.2. Operating Ratio

Measures how efficient Capitec Bank Holdings Ltd ADR is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of 0.49 means that the operating costs are $0.49 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Capitec Bank Holdings Ltd ADR:

  • The MRQ is 0.490. The company is very efficient in keeping operating costs low. +2
  • The TTM is 0.703. The company is efficient in keeping operating costs low. +1
Trends
Current periodCompared to+/- 
MRQ0.490TTM0.703-0.213
TTM0.703YOY0.895-0.191
TTM0.7035Y0.619+0.084
5Y0.61910Y0.567+0.052

1.3. Liquidity of Capitec Bank Holdings Ltd ADR.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Capitec Bank Holdings Ltd ADR is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 3.28 means the company has $3.28 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Capitec Bank Holdings Ltd ADR:

  • The MRQ is 3.281. The company is very able to pay all its short-term debts. +2
  • The TTM is 1.767. The company is able to pay all its short-term debts. +1
Trends
Current periodCompared to+/- 
MRQ3.281TTM1.767+1.513
TTM1.767YOY4.268-2.501
TTM1.7675Y249.467-247.700
5Y249.46710Y129.986+119.482
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM1.7670.124+1.643
YOY4.2680.167+4.101
5Y249.4670.207+249.260
10Y129.9860.131+129.855
1.3.2. Quick Ratio

Measures if Capitec Bank Holdings Ltd ADR is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Capitec Bank Holdings Ltd ADR to the Banks - Regional industry mean.
  • A Quick Ratio of -5.72 means the company can pay off $-5.72 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Capitec Bank Holdings Ltd ADR:

  • The MRQ is -5.720. The company is unable to pay all its short-term debts with the most liquid assets. -2
  • The TTM is 0.926. The company is just not able to pay all its short-term debts with the most liquid assets. -1
Trends
Current periodCompared to+/- 
MRQ-5.720TTM0.926-6.646
TTM0.926YOY6.992-6.066
TTM0.9265Y3,581.965-3,581.039
5Y3,581.96510Y1,796.012+1,785.953

1.4. Solvency of Capitec Bank Holdings Ltd ADR.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Capitec Bank Holdings Ltd ADR assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Capitec Bank Holdings Ltd ADR to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.79 means that Capitec Bank Holdings Ltd ADR assets are financed with 79.0% credit (debt) and the remaining percentage (100% - 79.0%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Capitec Bank Holdings Ltd ADR:

  • The MRQ is 0.790. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.599. The company is able to pay all its debts by selling its assets. +1
Trends
Current periodCompared to+/- 
MRQ0.790TTM0.599+0.191
TTM0.599YOY0.603-0.004
TTM0.5995Y0.606-0.007
5Y0.60610Y0.659-0.052
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.7900.915-0.125
TTM0.5990.916-0.317
YOY0.6030.918-0.315
5Y0.6060.919-0.313
10Y0.6590.926-0.267
1.4.2. Debt to Equity Ratio

Measures if Capitec Bank Holdings Ltd ADR is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Capitec Bank Holdings Ltd ADR to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 376.9% means that company has $3.77 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Capitec Bank Holdings Ltd ADR:

  • The MRQ is 3.769. The company is unable to pay all its debts with equity. -1
  • The TTM is 2.923. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ3.769TTM2.923+0.845
TTM2.923YOY3.023-0.100
TTM2.9235Y3.085-0.162
5Y3.08510Y3.195-0.110
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ3.76910.799-7.030
TTM2.92310.909-7.986
YOY3.02311.266-8.243
5Y3.08511.324-8.239
10Y3.19512.886-9.691

2. Market Valuation of Capitec Bank Holdings Ltd ADR

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Capitec Bank Holdings Ltd ADR generates.

  • Above 15 is considered overpriced but always compare Capitec Bank Holdings Ltd ADR to the Banks - Regional industry mean.
  • A PE ratio of 19.15 means the investor is paying $19.15 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Capitec Bank Holdings Ltd ADR:

  • The EOD is 22.224. Based on the earnings, the company is fair priced.
  • The MRQ is 19.148. Based on the earnings, the company is fair priced.
  • The TTM is 18.136. Based on the earnings, the company is fair priced.
Trends
Current periodCompared to+/- 
EOD22.224MRQ19.148+3.076
MRQ19.148TTM18.136+1.012
TTM18.136YOY25.852-7.715
TTM18.1365Y30.628-12.492
5Y30.62810Y21.477+9.151
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD22.2243.675+18.549
MRQ19.1483.418+15.730
TTM18.1364.741+13.395
YOY25.8526.901+18.951
5Y30.6289.496+21.132
10Y21.4779.770+11.707
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Capitec Bank Holdings Ltd ADR:

  • The EOD is -27.805. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The MRQ is -23.957. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The TTM is -7.478. Based on how much money comes from the company's main activities, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD-27.805MRQ-23.957-3.848
MRQ-23.957TTM-7.478-16.479
TTM-7.478YOY92.011-99.489
TTM-7.4785Y46.843-54.321
5Y46.84310Y23.053+23.790
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD-27.805-2.538-25.267
MRQ-23.957-2.360-21.597
TTM-7.478-1.072-6.406
YOY92.0116.461+85.550
5Y46.8430.248+46.595
10Y23.0530.032+23.021
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Capitec Bank Holdings Ltd ADR is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 5.16 means the investor is paying $5.16 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Capitec Bank Holdings Ltd ADR:

  • The EOD is 5.992. Based on the equity, the company is overpriced. -1
  • The MRQ is 5.163. Based on the equity, the company is overpriced. -1
  • The TTM is 24.254. Based on the equity, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD5.992MRQ5.163+0.829
MRQ5.163TTM24.254-19.092
TTM24.254YOY58.159-33.905
TTM24.2545Y43.306-19.052
5Y43.30610Y23.130+20.176
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD5.9920.452+5.540
MRQ5.1630.420+4.743
TTM24.2540.439+23.815
YOY58.1590.594+57.565
5Y43.3060.763+42.543
10Y23.1300.991+22.139
2. Total Gains per Share

3. Summary

3.1. Key Performance Indicators

The key performance indicators of Capitec Bank Holdings Ltd ADR compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share---2.422-100%-0.0110%0.256-100%0.196-100%
Book Value Per Share--10.18716.806-39%13.048-22%12.047-15%8.642+18%
Current Ratio--3.2811.767+86%4.268-23%249.467-99%129.986-97%
Debt To Asset Ratio--0.7900.599+32%0.603+31%0.606+30%0.659+20%
Debt To Equity Ratio--3.7692.923+29%3.023+25%3.085+22%3.195+18%
Dividend Per Share--0.4160.294+41%0.457-9%0.197+111%0.143+190%
Eps--0.6870.618+11%0.568+21%0.462+49%0.346+99%
Free Cash Flow Per Share---0.5490.264-308%-0.464-15%0.041-1445%0.032-1836%
Free Cash Flow To Equity Per Share--0.3270.495-34%-0.157+148%0.403-19%0.410-20%
Gross Profit Margin--0.9450.972-3%0.972-3%0.910+4%0.9470%
Intrinsic Value_10Y_max---1.319--------
Intrinsic Value_10Y_min---26.925--------
Intrinsic Value_1Y_max--0.089--------
Intrinsic Value_1Y_min---0.639--------
Intrinsic Value_3Y_max--0.099--------
Intrinsic Value_3Y_min---3.714--------
Intrinsic Value_5Y_max---0.094--------
Intrinsic Value_5Y_min---8.733--------
Market Cap14137548473.312+14%12180864885.72810436224837.968+17%13506165961.504-10%10534782960.571+16%6954046710.793+75%
Net Profit Margin--0.3960.386+3%0.390+1%0.313+26%0.333+19%
Operating Margin--0.5090.491+4%0.497+3%0.888-43%0.686-26%
Operating Ratio--0.4900.703-30%0.895-45%0.619-21%0.567-13%
Pb Ratio5.992+14%5.16324.254-79%58.159-91%43.306-88%23.130-78%
Pe Ratio22.224+14%19.14818.136+6%25.852-26%30.628-37%21.477-11%
Price Per Share61.039+14%52.59145.059+17%58.313-10%45.480+16%30.022+75%
Price To Free Cash Flow Ratio-27.805-16%-23.957-7.478-69%92.011-126%46.843-151%23.053-204%
Price To Total Gains Ratio146.860+14%126.53432.921+284%-0.130+100%7.268+1641%46.440+172%
Quick Ratio---5.7200.926-718%6.992-182%3581.965-100%1796.012-100%
Return On Assets--0.0140.065-78%0.114-88%0.046-69%0.029-52%
Return On Equity--0.0670.331-80%0.572-88%0.231-71%0.146-54%
Total Gains Per Share--0.4162.716-85%0.446-7%0.453-8%0.340+22%
Usd Book Value--2359358140.6003892556014.024-39%3022204915.061-22%2790375887.323-15%2001694534.480+18%
Usd Book Value Change Per Share---2.422-100%-0.0110%0.256-100%0.196-100%
Usd Book Value Per Share--10.18716.806-39%13.048-22%12.047-15%8.642+18%
Usd Dividend Per Share--0.4160.294+41%0.457-9%0.197+111%0.143+190%
Usd Eps--0.6870.618+11%0.568+21%0.462+49%0.346+99%
Usd Free Cash Flow---127113173.24661238913.377-308%-107500930.400-15%9453929.750-1445%7324341.340-1835%
Usd Free Cash Flow Per Share---0.5490.264-308%-0.464-15%0.041-1445%0.032-1836%
Usd Free Cash Flow To Equity Per Share--0.3270.495-34%-0.157+148%0.403-19%0.410-20%
Usd Market Cap14137548473.312+14%12180864885.72810436224837.968+17%13506165961.504-10%10534782960.571+16%6954046710.793+75%
Usd Price Per Share61.039+14%52.59145.059+17%58.313-10%45.480+16%30.022+75%
Usd Profit--159035753.800143108026.900+11%123941714.500+28%82926977.931+92%67606255.990+135%
Usd Revenue--401736334.900369850217.450+9%317275472.200+27%229266900.761+75%188352091.235+113%
Usd Total Gains Per Share--0.4162.716-85%0.446-7%0.453-8%0.340+22%
 EOD+5 -3MRQTTM+16 -20YOY+14 -205Y+16 -2010Y+20 -16

3.2. Fundamental Score

Let's check the fundamental score of Capitec Bank Holdings Ltd ADR based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1522.224
Price to Book Ratio (EOD)Between0-15.992
Net Profit Margin (MRQ)Greater than00.396
Operating Margin (MRQ)Greater than00.509
Quick Ratio (MRQ)Greater than1-5.720
Current Ratio (MRQ)Greater than13.281
Debt to Asset Ratio (MRQ)Less than10.790
Debt to Equity Ratio (MRQ)Less than13.769
Return on Equity (MRQ)Greater than0.150.067
Return on Assets (MRQ)Greater than0.050.014
Total4/10 (40.0%)

3.3. Technical Score

Let's check the technical score of Capitec Bank Holdings Ltd ADR based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5052.175
Ma 20Greater thanMa 5062.019
Ma 50Greater thanMa 10058.137
Ma 100Greater thanMa 20055.956
OpenGreater thanClose61.708
Total5/5 (100.0%)



Latest Balance Sheet

Balance Sheet of 2024-02-29. Currency in ZAR. All numbers in thousands.

Summary
Total Assets207,578,626
Total Liabilities164,048,033
Total Stockholder Equity43,530,593
 As reported
Total Liabilities 164,048,033
Total Stockholder Equity+ 43,530,593
Total Assets = 207,578,626

Assets

Total Assets207,578,626
Total Current Assets5,453,131
Long-term Assets202,125,495
Total Current Assets
Cash And Cash Equivalents 22,635,411
Short-term Investments -17,182,280
Net Receivables 2,221,298
Total Current Assets  (as reported)5,453,131
Total Current Assets  (calculated)7,674,429
+/- 2,221,298
Long-term Assets
Property Plant Equipment 5,367,945
Goodwill 849,487
Long Term Investments 69,507,606
Intangible Assets 552,488
Long-term Assets Other 195,355,575
Long-term Assets  (as reported)202,125,495
Long-term Assets  (calculated)271,633,101
+/- 69,507,606

Liabilities & Shareholders' Equity

Total Current Liabilities1,662,098
Long-term Liabilities162,385,935
Total Stockholder Equity43,530,593
Total Current Liabilities
Accounts payable 3,299,086
Other Current Liabilities -1,636,988
Total Current Liabilities  (as reported)1,662,098
Total Current Liabilities  (calculated)1,662,098
+/-0
Long-term Liabilities
Long-term Liabilities  (as reported)162,385,935
Long-term Liabilities  (calculated)0
+/- 162,385,935
Total Stockholder Equity
Common Stock1,156
Retained Earnings 37,423,827
Accumulated Other Comprehensive Income 606,966
Other Stockholders Equity 5,498,639
Total Stockholder Equity (as reported)43,530,593
Total Stockholder Equity (calculated)43,530,588
+/- 5
Other
Capital Stock1,161
Cash and Short Term Investments 5,453,131
Common Stock Shares Outstanding 115,652
Liabilities and Stockholders Equity 207,578,626
Net Debt -17,231,394
Net Invested Capital 46,551,422
Property Plant and Equipment Gross 11,284,798
Short Long Term Debt Total 5,404,017



Balance Sheet

Currency in ZAR. All numbers in thousands.

 Trend2024-02-292023-11-302023-08-312023-05-312023-02-282022-11-302022-08-312022-05-312022-02-282021-11-302021-08-312021-05-312021-02-282020-11-302020-08-312020-05-312020-02-292019-11-302019-08-312019-05-312019-02-282018-11-302018-08-312018-05-312018-02-282017-11-302017-08-312017-05-312017-02-282016-11-302016-08-312016-05-312016-02-292015-11-302015-08-312015-05-312015-02-282014-11-302014-08-312014-05-312014-02-282013-11-302013-08-312013-05-312013-02-282012-11-302012-08-312012-02-292011-08-312011-02-282010-08-312010-02-282009-08-312009-02-28
> Total Assets 
4,969,422
6,536,065
9,488,223
10,996,792
14,439,517
18,224,921
23,621,844
32,040,889
38,346,724
38,346,724
42,858,138
42,858,138
46,190,966
46,190,966
49,574,398
49,574,398
53,916,475
53,916,475
58,554,000
58,554,000
62,945,502
62,945,502
67,520,000
67,520,000
73,357,897
73,357,897
81,136,000
81,136,000
84,957,234
84,957,234
93,625,000
93,625,000
100,427,749
100,427,749
113,596,000
7,481,419
134,568,086
8,554,053
144,520,000
8,530,657
156,506,986
10,333,052
166,747,000
11,527,618
177,942,781
11,515,469
182,710,000
10,719,650
190,636,055
10,448,791
200,503,000
10,589,015
207,578,626
207,578,626
207,578,626207,578,62610,589,015200,503,00010,448,791190,636,05510,719,650182,710,00011,515,469177,942,78111,527,618166,747,00010,333,052156,506,9868,530,657144,520,0008,554,053134,568,0867,481,419113,596,000100,427,749100,427,74993,625,00093,625,00084,957,23484,957,23481,136,00081,136,00073,357,89773,357,89767,520,00067,520,00062,945,50262,945,50258,554,00058,554,00053,916,47553,916,47549,574,39849,574,39846,190,96646,190,96642,858,13842,858,13838,346,72438,346,72432,040,88923,621,84418,224,92114,439,51710,996,7929,488,2236,536,0654,969,422
   > Total Current Assets 
1,534,103
2,262,109
2,607,715
2,122,661
2,890,095
3,301,354
4,023,512
7,177,165
5,786,314
5,786,314
8,752,709
8,752,709
8,947,508
8,947,508
9,515,400
9,515,400
10,038,971
10,038,971
10,554,000
10,554,000
12,530,968
12,530,968
15,081,000
15,081,000
16,992,647
16,992,647
23,893,000
23,893,000
19,165,636
19,165,636
28,967,000
28,967,000
16,834,021
16,834,021
37,150,000
2,899,942
16,253,411
2,812,777
51,838,000
3,250,941
19,951,687
3,382,765
31,765,000
2,504,528
22,752,126
2,574,646
26,602,000
2,082,091
17,963,553
2,311,649
25,663,000
1,801,373
5,453,131
5,453,131
5,453,1315,453,1311,801,37325,663,0002,311,64917,963,5532,082,09126,602,0002,574,64622,752,1262,504,52831,765,0003,382,76519,951,6873,250,94151,838,0002,812,77716,253,4112,899,94237,150,00016,834,02116,834,02128,967,00028,967,00019,165,63619,165,63623,893,00023,893,00016,992,64716,992,64715,081,00015,081,00012,530,96812,530,96810,554,00010,554,00010,038,97110,038,9719,515,4009,515,4008,947,5088,947,5088,752,7098,752,7095,786,3145,786,3147,177,1654,023,5123,301,3542,890,0952,122,6612,607,7152,262,1091,534,103
       Cash And Cash Equivalents 
1,513,989
2,233,903
2,566,588
2,085,502
2,841,918
3,247,637
3,995,242
7,097,122
5,786,314
7,145,575
8,752,709
8,752,709
8,947,508
9,668,846
9,515,400
13,723,595
10,038,971
16,592,192
10,554,000
18,751,000
12,530,968
20,576,633
15,081,000
22,131,000
16,992,647
25,139,962
23,893,000
29,509,000
19,165,636
23,097,485
28,967,000
33,983,000
16,834,021
28,389,438
37,150,000
42,661,000
16,253,411
18,994,245
51,838,000
52,810,000
19,951,687
22,803,721
31,765,000
32,990,000
22,752,126
28,118,480
26,602,000
29,919,000
17,963,553
27,795,010
25,663,000
26,971,000
5,453,131
22,635,411
22,635,4115,453,13126,971,00025,663,00027,795,01017,963,55329,919,00026,602,00028,118,48022,752,12632,990,00031,765,00022,803,72119,951,68752,810,00051,838,00018,994,24516,253,41142,661,00037,150,00028,389,43816,834,02133,983,00028,967,00023,097,48519,165,63629,509,00023,893,00025,139,96216,992,64722,131,00015,081,00020,576,63312,530,96818,751,00010,554,00016,592,19210,038,97113,723,5959,515,4009,668,8468,947,5088,752,7098,752,7097,145,5755,786,3147,097,1223,995,2423,247,6372,841,9182,085,5022,566,5882,233,9031,513,989
       Short-term Investments 
0
0
0
0
0
0
0
0
0
-1,359,261
0
0
0
-721,338
0
-4,208,195
0
-6,553,221
0
-8,197,000
0
-8,045,665
0
-7,050,000
7,357,686
-8,147,315
6,299,753
-5,616,000
7,295,013
-3,931,849
4,995,000
-5,016,000
17,352,660
-11,555,417
5,511,000
-5,511,000
0
-2,740,834
0
-972,000
0
-2,852,034
0
-1,225,000
0
-5,366,354
0
-3,317,000
0
-9,831,457
0
-1,308,000
0
-17,182,280
-17,182,2800-1,308,0000-9,831,4570-3,317,0000-5,366,3540-1,225,0000-2,852,0340-972,0000-2,740,8340-5,511,0005,511,000-11,555,41717,352,660-5,016,0004,995,000-3,931,8497,295,013-5,616,0006,299,753-8,147,3157,357,686-7,050,0000-8,045,6650-8,197,0000-6,553,2210-4,208,1950-721,338000-1,359,261000000000
       Net Receivables 
20,114
28,206
41,127
37,159
48,177
53,717
28,270
80,043
0
68,757
0
332,747
0
116,495
0
203,646
0
105,151
0
389,000
0
93,044
0
594,000
367,631
115,271
1,840,567
1,585,000
686,674
334,316
1,511,000
1,254,000
916,455
394,018
1,556,000
1,371,000
1,177,251
955,274
3,061,000
2,257,000
2,073,935
1,086,819
3,238,000
3,238,000
1,525,730
1,525,730
6,120,000
5,521,000
4,727,260
3,177,188
7,138,000
7,138,000
0
2,221,298
2,221,29807,138,0007,138,0003,177,1884,727,2605,521,0006,120,0001,525,7301,525,7303,238,0003,238,0001,086,8192,073,9352,257,0003,061,000955,2741,177,2511,371,0001,556,000394,018916,4551,254,0001,511,000334,316686,6741,585,0001,840,567115,271367,631594,000093,0440389,0000105,1510203,6460116,4950332,747068,757080,04328,27053,71748,17737,15941,12728,20620,114
       Other Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3,695,747
3,695,747
0
0
3,660,267
3,660,267
0
0
5,502,158
1,969
0
2,899,942
2,955,285
2,812,777
0
3,250,941
2,649,032
3,382,765
0
2,504,528
4,644,164
2,574,646
0
2,082,091
6,203,295
2,311,649
0
1,801,373
0
0
001,801,37302,311,6496,203,2952,082,09102,574,6464,644,1642,504,52803,382,7652,649,0323,250,94102,812,7772,955,2852,899,94201,9695,502,158003,660,2673,660,267003,695,7473,695,747000000000000000000000000
   > Long-term Assets 
417,847
558,433
1,610,119
1,589,201
1,398,206
1,442,344
1,811,479
1,718,798
833,892
833,892
994,100
994,100
1,056,570
1,056,570
1,019,247
1,019,247
1,087,633
1,087,633
1,194,000
1,194,000
1,353,456
1,353,456
1,808,000
1,808,000
1,803,341
1,803,341
1,996,000
1,996,000
2,037,353
2,037,353
2,188,000
2,188,000
2,526,130
2,526,130
5,466,000
4,581,477
6,851,017
5,741,276
6,742,000
5,279,717
6,480,445
6,950,287
6,370,000
9,023,090
6,278,995
8,940,823
156,108,000
8,637,558
172,672,502
8,137,142
174,840,000
8,787,642
202,125,495
202,125,495
202,125,495202,125,4958,787,642174,840,0008,137,142172,672,5028,637,558156,108,0008,940,8236,278,9959,023,0906,370,0006,950,2876,480,4455,279,7176,742,0005,741,2766,851,0174,581,4775,466,0002,526,1302,526,1302,188,0002,188,0002,037,3532,037,3531,996,0001,996,0001,803,3411,803,3411,808,0001,808,0001,353,4561,353,4561,194,0001,194,0001,087,6331,087,6331,019,2471,019,2471,056,5701,056,570994,100994,100833,892833,8921,718,7981,811,4791,442,3441,398,2061,589,2011,610,119558,433417,847
       Property Plant Equipment 
240,134
247,697
281,610
357,073
375,185
479,977
543,121
673,052
697,512
697,512
793,298
793,298
855,251
855,251
811,186
811,186
848,758
848,758
964,000
964,000
1,110,808
1,110,808
1,408,000
1,408,000
1,523,395
1,523,395
1,725,000
1,725,000
1,754,342
1,754,342
1,920,000
1,920,000
2,209,847
2,209,847
5,027,000
331,078
5,477,216
348,169
5,253,000
310,072
4,999,143
330,058
4,925,000
340,477
4,930,990
319,106
5,053,000
296,461
5,113,333
278,561
5,187,000
273,937
5,367,945
5,367,945
5,367,9455,367,945273,9375,187,000278,5615,113,333296,4615,053,000319,1064,930,990340,4774,925,000330,0584,999,143310,0725,253,000348,1695,477,216331,0785,027,0002,209,8472,209,8471,920,0001,920,0001,754,3421,754,3421,725,0001,725,0001,523,3951,523,3951,408,0001,408,0001,110,8081,110,808964,000964,000848,758848,758811,186811,186855,251855,251793,298793,298697,512697,512673,052543,121479,977375,185357,073281,610247,697240,134
       Goodwill 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
794,487
50,503
0
0
849,487
56,086
0
0
849,487
54,974
0
0
849,487
46,278
0
0
849,487
849,487
849,487849,4870046,278849,4870054,974849,4870056,086849,4870050,503794,487000000000000000000000000000000000000
       Long Term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3,593,292
3,593,292
7,780,526
8,241,038
9,758,537
9,758,537
12,512,000
12,512,000
11,085,562
11,150,066
14,797,000
14,897,000
0
19,310,436
0
24,339,000
0
38,438,000
0
60,686,000
0
63,421,336
0
64,707,000
0
62,030,791
0
75,813,000
0
69,507,606
69,507,606075,813,000062,030,791064,707,000063,421,336060,686,000038,438,000024,339,000019,310,436014,897,00014,797,00011,150,06611,085,56212,512,00012,512,0009,758,5379,758,5378,241,0387,780,5263,593,2923,593,292000000000000000000000000
       Intangible Assets 
27,669
0
22,211
32,854
34,357
54,422
69,262
0
136,380
136,380
200,802
200,802
201,319
201,319
208,061
208,061
238,875
238,875
230,000
230,000
242,648
242,648
400,000
400,000
279,946
279,946
271,000
271,000
283,011
283,011
268,000
268,000
316,283
316,283
439,000
28,912
579,314
87,328
1,489,000
87,892
631,815
97,800
1,445,000
99,896
498,518
87,235
1,364,000
80,026
586,142
78,209
1,486,000
78,479
552,488
552,488
552,488552,48878,4791,486,00078,209586,14280,0261,364,00087,235498,51899,8961,445,00097,800631,81587,8921,489,00087,328579,31428,912439,000316,283316,283268,000268,000283,011283,011271,000271,000279,946279,946400,000400,000242,648242,648230,000230,000238,875238,875208,061208,061201,319201,319200,802200,802136,380136,380069,26254,42234,35732,85422,211027,669
       Long-term Assets Other 
-417,847
-558,433
-1,610,119
-1,589,201
-1,398,206
-1,442,344
-1,811,479
-1,718,798
-833,892
-2,036,594
-994,100
-3,067,969
-1,056,570
-4,961,702
-1,019,247
-3,025,568
-1,087,633
-2,699,724
-1,194,000
-4,192,000
-1,353,456
-3,860,113
-1,808,000
-5,593,000
-1,803,341
-5,484,837
-1,996,000
-6,971,000
-2,037,353
-12,015,415
-2,188,000
-12,617,000
-2,526,130
-11,150,066
-5,466,000
4,093,323
-6,851,017
5,105,226
-6,742,000
4,732,059
-6,480,445
6,298,007
-6,370,000
8,384,169
-6,278,995
8,373,399
149,691,000
8,074,382
166,123,540
7,639,080
168,167,000
8,268,550
195,355,575
195,355,575
195,355,575195,355,5758,268,550168,167,0007,639,080166,123,5408,074,382149,691,0008,373,399-6,278,9958,384,169-6,370,0006,298,007-6,480,4454,732,059-6,742,0005,105,226-6,851,0174,093,323-5,466,000-11,150,066-2,526,130-12,617,000-2,188,000-12,015,415-2,037,353-6,971,000-1,996,000-5,484,837-1,803,341-5,593,000-1,808,000-3,860,113-1,353,456-4,192,000-1,194,000-2,699,724-1,087,633-3,025,568-1,019,247-4,961,702-1,056,570-3,067,969-994,100-2,036,594-833,892-1,718,798-1,811,479-1,442,344-1,398,206-1,589,201-1,610,119-558,433-417,847
> Total Liabilities 
3,563,221
254,566
7,760,246
9,061,634
489,685
14,399,403
18,436,494
26,411,225
29,833,730
29,833,730
32,979,448
32,979,448
36,208,855
36,208,855
38,333,835
38,333,835
42,352,735
42,352,735
45,042,000
45,042,000
49,286,437
49,286,437
51,384,000
51,384,000
57,239,884
57,239,884
71,965,370
64,006,000
66,065,556
66,065,556
5,769,000
5,769,000
78,751,953
78,751,953
3,949,000
5,955,051
108,987,246
6,927,963
2,683,000
6,990,393
126,591,581
8,357,949
1,340,000
9,318,424
142,177,066
9,200,910
1,817,000
8,621,307
152,715,689
8,319,547
2,369,000
8,510,694
164,048,033
164,048,033
164,048,033164,048,0338,510,6942,369,0008,319,547152,715,6898,621,3071,817,0009,200,910142,177,0669,318,4241,340,0008,357,949126,591,5816,990,3932,683,0006,927,963108,987,2465,955,0513,949,00078,751,95378,751,9535,769,0005,769,00066,065,55666,065,55664,006,00071,965,37057,239,88457,239,88451,384,00051,384,00049,286,43749,286,43745,042,00045,042,00042,352,73542,352,73538,333,83538,333,83536,208,85536,208,85532,979,44832,979,44829,833,73029,833,73026,411,22518,436,49414,399,403489,6859,061,6347,760,246254,5663,563,221
   > Total Current Liabilities 
0
254,566
0
0
489,685
0
222,663
0
317,933
317,933
0
0
286,079
286,079
0
0
610,248
610,248
0
0
656,806
656,806
0
0
711,154
711,154
70,249,606
74,407,526
766,739
766,739
66,298,000
66,298,000
847,977
847,977
81,436,000
1,778
898,163
4,161,425
110,467,000
1,062
896,256
5,367,729
128,092,000
11,338
2,166,451
6,109,047
138,931,000
5,377,309
1,117,774
5,452,550
151,954,000
5,313,652
1,662,098
1,662,098
1,662,0981,662,0985,313,652151,954,0005,452,5501,117,7745,377,309138,931,0006,109,0472,166,45111,338128,092,0005,367,729896,2561,062110,467,0004,161,425898,1631,77881,436,000847,977847,97766,298,00066,298,000766,739766,73974,407,52670,249,606711,154711,15400656,806656,80600610,248610,24800286,079286,07900317,933317,9330222,6630489,68500254,5660
       Short-term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
7,588,649
7,588,649
83,202
88,127
1,809,248
1,809,248
0
0
0
0
0
0
0
18,036
0
0
0
16,962
0
0
0
35,383
0
0
0
21,368
0
0
0
0
000021,36800035,38300016,96200018,03600000001,809,2481,809,24888,12783,2027,588,6497,588,649000000000000000000000000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
7,588,649
7,588,649
83,202
88,127
1,809,248
1,809,248
246,084,642
204,626,889
2,320,234
830
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
000000000000000000008302,320,234204,626,889246,084,6421,809,2481,809,24888,12783,2027,588,6497,588,649000000000000000000000000
       Accounts payable 
0
254,566
0
0
489,685
0
222,663
0
0
215,826
0
0
0
323,419
0
0
0
334,162
0
0
0
474,918
0
0
48,602,031
562,811
70,166,404
74,319,400
58,763,146
938,648
66,214,000
66,214,000
72,439,077
1,073,792
81,375,000
81,375,000
101,082,025
91,086
110,366,000
110,366,000
120,262,052
114,198
127,851,000
127,851,000
2,209,917
143,014
138,906,000
138,906,000
146,375,171
126,157
151,832,000
151,832,000
0
3,299,086
3,299,0860151,832,000151,832,000126,157146,375,171138,906,000138,906,000143,0142,209,917127,851,000127,851,000114,198120,262,052110,366,000110,366,00091,086101,082,02581,375,00081,375,0001,073,79272,439,07766,214,00066,214,000938,64858,763,14674,319,40070,166,404562,81148,602,03100474,918000334,162000323,419000215,82600222,6630489,68500254,5660
       Other Current Liabilities 
0
-254,566
0
0
-489,685
0
-222,663
0
0
102,107
0
0
0
-37,340
0
0
0
276,086
0
0
0
181,888
0
0
39,993
148,343
0
0
8,258
-171,909
73,000
73,000
7,509
-225,815
27,000
1,778
21,736
4,052,304
18,000
1,062
165,072
5,236,568
164,000
11,338
-2,209,917
5,930,650
0
5,377,309
10,115
5,304,475
102,000
5,313,652
0
-1,636,988
-1,636,98805,313,652102,0005,304,47510,1155,377,30905,930,650-2,209,91711,338164,0005,236,568165,0721,06218,0004,052,30421,7361,77827,000-225,8157,50973,00073,000-171,9098,25800148,34339,99300181,888000276,086000-37,340000102,10700-222,6630-489,68500-254,5660
   > Long-term Liabilities 
0
0
0
0
0
0
3,866,731
0
10,129,648
10,129,648
32,979,448
32,979,448
11,847,799
11,847,799
38,333,835
38,333,835
11,152,546
11,152,546
45,042,000
45,042,000
10,153,294
10,153,294
51,384,000
51,384,000
5,383,798
5,383,798
0
0
4,396,478
4,396,478
5,769,000
5,769,000
2,758,094
2,758,094
3,949,000
5,953,272
1,808,618
2,766,537
2,683,000
6,989,331
1,194,270
2,990,220
1,340,000
9,307,086
1,816,994
3,091,864
1,817,000
3,243,998
151,597,915
2,866,997
2,369,000
3,197,043
162,385,935
162,385,935
162,385,935162,385,9353,197,0432,369,0002,866,997151,597,9153,243,9981,817,0003,091,8641,816,9949,307,0861,340,0002,990,2201,194,2706,989,3312,683,0002,766,5371,808,6185,953,2723,949,0002,758,0942,758,0945,769,0005,769,0004,396,4784,396,478005,383,7985,383,79851,384,00051,384,00010,153,29410,153,29445,042,00045,042,00011,152,54611,152,54638,333,83538,333,83511,847,79911,847,79932,979,44832,979,44810,129,64810,129,64803,866,731000000
       Other Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
298,057
298,057
1,715,763
1,817,316
267,111
267,111
1,938,000
1,938,000
364,358
130
2,324,000
2,324,000
435,772
435,772
2,667,000
2,667,000
325,589
325,589
2,874,000
2,874,000
573,372
573,372
3,818,000
3,818,000
445,090
445,090
4,503,000
4,503,000
0
0
004,503,0004,503,000445,090445,0903,818,0003,818,000573,372573,3722,874,0002,874,000325,589325,5892,667,0002,667,000435,772435,7722,324,0002,324,000130364,3581,938,0001,938,000267,111267,1111,817,3161,715,763298,057298,057000000000000000000000000
> Total Stockholder Equity
1,406,201
1,350,645
1,573,371
1,935,158
3,191,544
3,825,518
5,185,350
5,629,664
8,512,994
8,512,994
9,149,014
9,149,014
9,982,111
9,982,111
10,432,001
10,432,001
11,563,740
11,563,740
12,377,000
12,377,000
13,659,065
13,659,065
14,619,000
14,619,000
16,118,013
16,118,013
17,130,000
17,130,000
18,891,678
18,891,678
19,620,000
19,620,000
21,675,796
21,675,796
23,176,000
1,526,369
25,580,840
1,626,090
26,094,000
1,540,264
29,915,405
1,975,103
31,956,000
2,209,195
35,765,715
2,314,558
35,765,000
2,098,343
37,920,366
2,129,244
39,353,000
2,078,321
43,530,593
43,530,593
43,530,59343,530,5932,078,32139,353,0002,129,24437,920,3662,098,34335,765,0002,314,55835,765,7152,209,19531,956,0001,975,10329,915,4051,540,26426,094,0001,626,09025,580,8401,526,36923,176,00021,675,79621,675,79619,620,00019,620,00018,891,67818,891,67817,130,00017,130,00016,118,01316,118,01314,619,00014,619,00013,659,06513,659,06512,377,00012,377,00011,563,74011,563,74010,432,00110,432,0019,982,1119,982,1119,149,0149,149,0148,512,9948,512,9945,629,6645,185,3503,825,5183,191,5441,935,1581,573,3711,350,6451,406,201
   Common Stock
674,369
682,219
682,219
796,852
1,918,677
2,123,125
993
3,423,645
1,144
1,144
5,512,570
5,771,539
1,153
1,153
5,512,570
5,719,745
1,156
1,156
5,649,000
5,840,000
1,156
1,156
5,649,000
5,823,000
1,156
1,156
5,649,000
5,787,000
1,156
1,156
5,649,000
5,756,000
1,156
1,156
5,649,000
372,042
1,156
73
5,649,000
333,446
1,156
76
5,649,000
390,529
1,156
75
5,649,000
331,429
1,156
63
5,419,000
286,190
1,156
1,156
1,1561,156286,1905,419,000631,156331,4295,649,000751,156390,5295,649,000761,156333,4465,649,000731,156372,0425,649,0001,1561,1565,756,0005,649,0001,1561,1565,787,0005,649,0001,1561,1565,823,0005,649,0001,1561,1565,840,0005,649,0001,1561,1565,719,7455,512,5701,1531,1535,771,5395,512,5701,1441,1443,423,6459932,123,1251,918,677796,852682,219682,219674,369
   Retained Earnings 
601,099
689,553
906,991
994,582
1,276,336
1,450,136
2,001,866
2,229,920
2,939,240
2,939,240
3,310,347
3,310,347
4,129,707
4,129,707
4,677,634
4,677,634
5,700,459
5,700,459
6,501,000
6,501,000
7,772,004
7,772,004
8,773,000
8,773,000
10,329,731
10,329,731
11,377,000
11,377,000
13,153,434
13,153,434
13,823,000
13,823,000
15,950,142
15,950,142
17,457,000
1,149,716
19,855,211
1,262,131
20,351,000
1,201,269
24,225,346
1,599,429
26,277,000
1,816,592
29,559,311
1,912,914
29,538,000
1,733,003
31,895,742
1,801,038
33,301,000
1,758,701
37,423,827
37,423,827
37,423,82737,423,8271,758,70133,301,0001,801,03831,895,7421,733,00329,538,0001,912,91429,559,3111,816,59226,277,0001,599,42924,225,3461,201,26920,351,0001,262,13119,855,2111,149,71617,457,00015,950,14215,950,14213,823,00013,823,00013,153,43413,153,43411,377,00011,377,00010,329,73110,329,7318,773,0008,773,0007,772,0047,772,0046,501,0006,501,0005,700,4595,700,4594,677,6344,677,6344,129,7074,129,7073,310,3473,310,3472,939,2402,939,2402,229,9202,001,8661,450,1361,276,336994,582906,991689,553601,099
   Accumulated Other Comprehensive Income 
0
0
0
0
0
0
0
0
0
258,940
0
-258,969
0
258,940
0
-207,175
0
207,152
0
-191,000
0
173,875
0
-174,000
0
150,981
0
-138,000
0
112,791
0
-107,000
0
81,594
0
-329
0
223
0
2,007
0
-964
0
484
0
32,760
527,000
30,919
569,592
31,030
587,000
31,001
606,966
606,966
606,966606,96631,001587,00031,030569,59230,919527,00032,76004840-96402,00702230-329081,5940-107,0000112,7910-138,0000150,9810-174,0000173,8750-191,0000207,1520-207,1750258,9400-258,9690258,940000000000
   Capital Surplus 000000000000000000000000000000000000000000000000000000
   Treasury Stock000000000000000000000000000000000000000000000000000000



Balance Sheet

Currency in ZAR. All numbers in thousands.




Cash Flow

Currency in ZAR. All numbers in thousands.