Business Segments Capitec Limited OTC Markets

Stocks

Delayed OTC Markets 11:04:42 2026-08-27 EDT			5-day change	1st Jan Change
145.00 ^USD	-0.82%		-0.35%	+13.15%

08-25	Capitec Bank Holdings Limited will Change its Name to Capitec Limited	CI
08-03	Capitec Limited Appoints GM Fourie as A Director	CI

Breakdown by Business Segment (ZAR)

Fiscal Period: February	2022	2023	2024	2025	2026
Diversified Commercial Banks
Retail Banking	19.6B	18.93B	15.27B	18.68B	21.52B
Total Assets	161B	171B	183B	204B	221B
Interest Expense	-4.62B	-6.62B	-8.75B	-9.23B	-8.57B
Income Tax Expense	2.36B	2.36B	2.65B	3.45B	4.15B
CAPEX	-	-	-	-	-
EBT	8.27B	8.39B	9.68B	12.84B	15.5B
D&A	928M	1.05B	1.2B	1.18B	1.34B
Net Income	5.92B	6.03B	7.03B	9.39B	11.35B
Business Banking	1.4B	1.78B	1.06B	1.4B	1.71B
Total Assets	17.88B	22.61B	30.94B	36.11B	37.61B
Interest Expense	-506M	-821M	-1.16B	-1.22B	-1.51B
Income Tax Expense	55.36M	141M	172M	273M	301M
EBT	230M	530M	650M	1B	1.17B
D&A	72.88M	84.28M	155M	40.74M	37.87M
Net Income	174M	389M	478M	727M	871M
Claim Processors
Insurance	2.45B	3.33B	3.27B	3.89B	5.32B
Total Assets	1.16B	3.29B	3.49B	5.5B	9.28B
Income Tax Expense	-	-6.99M	59.71M	215M	821M
EBT	2.45B	3.29B	3.13B	3.67B	5.31B
D&A	-	63K	2.59M	-	-
Net Income	2.45B	3.3B	3.07B	3.46B	4.49B
Personal Credit Agencies
Avafin	-	-	-	-24.25M	-112M
Total Assets	-	-	-	2.7B	3.29B
Interest Expense	-	-	-	-145M	-202M
Income Tax Expense	-	-	-	62.3M	69.12M
EBT	-	-	-	265M	201M
D&A	-	-	-	6.06M	6.12M
Net Income	-	-	-	196M	128M
Total Assets	-	-	-	849M	849M
Total Assets	-	-	-	241M	228M
Total Assets	53.86M	42.32M	30.78M	-	-
Total Assets	11.82M	9.28M	6.75M	-	-
Total Assets	849M	849M	849M	-	-
Total Assets	-2.8B	-5.6B	-10.5B	-11.1B	-6.1M
Net Income	3.94M	3.8M	3.8M	10.14M	3.83M
Income Tax Expense	-3.94M	-3.8M	-3.8M	-10.14M	-
Net Income	-14.07M	-14.07M	-14.07M	-37.54M	-
D&A	14.07M	14.07M	14.07M	37.54M	-
EBT	-14.07M	-14.07M	-14.07M	-37.54M	-

Geographical breakdown of sales (ZAR)

Fiscal Period: February	2022	2023	2024	2025	2026
Republic of South Africa	23.37B	23.97B	27.3B	35.8B	42.42B
Total Assets	178B	192B	208B	238B	263B
Interest Expense	-4.84B	-6.99B	-9.34B	-10.04B	-9.23B
Income Tax Expense	2.41B	2.49B	2.88B	3.99B	5.34B
D&A	1.01B	1.02B	1.23B	1.34B	1.39B
CAPEX	-863M	-934M	-1.04B	-1.28B	-1.05B
Net Income	8.53B	9.71B	10.57B	13.74B	16.83B
EBT	10.93B	12.2B	13.45B	17.74B	22.18B