Logotype for Capitec Bank Holdings Ltd

Capitec Bank Holdings (CPI) investor relations material

Capitec Bank Holdings H1 2026 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Logotype for Capitec Bank Holdings Ltd
H1 2026 earnings summary1 Oct, 2025

Executive summary

  • Headline earnings rose 26% to ZAR 8.0 billion year-over-year, with ROE at 31% and active clients reaching 25 million, driven by diversified income streams and operational efficiency.

  • Client base grew 8%, with strong gains in youth and high-income segments and high digital adoption.

  • Digital and fintech services, including Capitec Connect, saw rapid expansion, with Connect clients up 76% and fintech income up 40%.

  • Strategic focus on innovation, digital transformation, and expanding business banking, insurance, and product offerings.

  • Interim dividend per share increased 26% to 2,620 cents, reflecting strong profitability and capital position.

Financial highlights

  • Net interest income after credit impairments increased 27% to R7.1 billion, with net interest income up 23% to R11.9 billion.

  • Non-interest income grew 19% to R13.4 billion, with 65% of income from non-credit operations.

  • Operating expenses rose 16% to R10.0 billion, with IT expenses up 33% and ongoing investment in technology and people.

  • Credit loss ratio (CLR) at 7.9% (total), 6.8% (excluding AvaFin), with business banking at 2.1%.

  • Return on equity increased to 31%.

Outlook and guidance

  • Expectation to maintain stable personal banking credit loss ratio for the full year, subject to economic conditions.

  • No change to dividend payout policy (55% for the full year); strong capital position maintained despite Basel IV impact.

  • Continued focus on innovation, digital payments, expanding product offerings, and business banking growth.

  • Management aims to maintain growth momentum and client trust, with a new CEO appointed in July 2025.

Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.

Next Capitec Bank Holdings earnings date

Logotype for Capitec Bank Holdings Ltd
H2 202622 Apr, 2026
Your earnings 
season toolkit.
Download
Free on both iOS & Android.

Next Capitec Bank Holdings earnings date

Logotype for Capitec Bank Holdings Ltd
H2 202622 Apr, 2026

The essential earnings season companion

The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.

Live calls and transcripts

Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.

Find what you need faster

Search for any keyword across all transcripts simultaneously.

Easily store key findings

Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Your watchlist. Your dashboard.

Follow the companies that matter to you. Get a personalized feed with real-time updates.

Be the first to know

Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.

Consensus estimates

Access analyst consensus estimates, valuation multiples, and revenue segments splits.

All IR material in one place

The easiest way to stay updated during earnings season.

Global coverage

All events from public companies. Live and recorded.

Just click and listen

No webcast links. No manual registrations.

Research anytime, anywhere

Built for professionals. Loved by everyone. Try our free mobile app.

excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com

Frequently asked questions

Capitec Bank Holdings Limited is a South African public company focused on retail banking services. Founded in, 2001 it has grown to become one of the country's leading retail banks. Capitec Bank operates a vast network of roughly 850 retail branches across South Africa, offering a wide range of financial products and services. These include loans, investment banking, savings, investments, debit and credit cards, and commercial banking. The bank is known for its Global One account, which integrates a transacting/savings account with a credit facilityCapitec Bank is headquartered in Stellenbosch, Western Cape, South Africa, and its shares are listed on the Johannesburg Stock Exchange.

Quartr provides global coverage of all investor relation material from public companies.

  • Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.

  • Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.

  • Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.

Yes, the Quartr mobile app is free on both iOS and Android.

Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.

Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.

Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.

Explore our global coverage