Banking sector: 70%
Insurance services: 20%
Investment services: 10%

Top 3 markets:

1. South Africa: 85%
2. Namibia: 8%
3. Botswana: 7%

Capitec Bank Holdings Limited generates the majority of its revenue from the banking sector, particularly through retail banking and lending. The South African market is the dominant market, attributed to the bank's strong presence and broad customer base in the country.

Additionally, in recent years, Capitec has expanded its services to include insurance and investment products to create diversified revenue streams. The expansion into neighboring markets such as Namibia and Botswana also contributes to the revenues, with these markets together accounting for approximately 15% of total income.

Production: No physical production, as financial service provider

Capitec Bank Holdings Limited is a financial services company and does not produce physical products. The company offers banking services such as savings accounts, loans, and insurance. These services are mainly offered in South Africa, where Capitec Bank also has its headquarters.

Since it is a financial service provider, the "production" is more focused on the development and provision of financial products and services that are offered digitally or in branches.

Revenue growth: 14% (2024) Profit growth: 10% (2024)

Capitec Bank Holdings Limited pursues a strategy focused on digitization and customer expansion. The company is heavily investing in digital platforms to enhance user-friendliness and reduce costs. This includes developing a robust mobile app and implementing AI-based solutions to improve the customer experience.

Another key focus is on geographical expansion within Africa to tap into new markets and diversify the customer base. Capitec plans to expand its presence in underserved regions to benefit from the increasing demand for banking services in these areas.

Additionally, the company is expanding its product portfolio, especially in the areas of lending and insurance products, to deepen existing customer relationships and explore new revenue streams. These strategic initiatives are aimed at further driving Capitec's growth in the coming years.

Current data on imports: No specific raw materials or materials

Capitec Bank Holdings Limited is a financial services company and not a production or industrial company. Therefore, Capitec Bank does not import raw materials or materials in the traditional sense, as would be the case with production companies.

Instead, Capitec focuses on financial products and services. However, the bank could invest in technology and software that may be sourced from other countries. However, this information is not specifically classified as raw material or material imports.

Market share: Approx. 10% in the South African banking market (2024) Customer growth: 8% (2024) Return on equity (ROE): 25% (2024)

Capitec Bank Holdings Limited has established itself in recent years as one of the leading providers in the South African banking market. The company's competitive advantage lies in its ability to offer simple and cost-effective banking services that are particularly attractive to the mass market.

An essential factor for this competitive advantage is the strong growth of the customer base, supported by innovative digital solutions and an efficient branch network. The high return on equity of 25% also shows that Capitec Bank operates efficiently and has strong profitability.

Additionally, the company benefits from strong brand awareness and a good reputation for customer satisfaction, which strengthens customer loyalty and further enhances its competitive advantage.

Institutional investor share: approx. 60% (estimated for 2025)
Insider purchases/sales: No significant changes in the last year (estimated for 2025)

The institutional investor share in Capitec Bank Holdings Limited is estimated to be around 60%. This demonstrates the confidence of large institutional investors in the company and its future growth prospects.

Regarding insider purchases and sales, there have been no significant changes in the last year. This suggests that the management and other insiders have a stable assessment of the company's development. It is important to keep an eye on these trends as they can provide valuable insights into the confidence of executives in the company's strategy.

Market share of Capitec Bank Holdings Limited: 12% (estimated for 2025)

Top competitors and their market shares:

1. Standard Bank Group: 25%
2. FirstRand Limited: 20%
3. Absa Group Limited: 18%
4. Nedbank Group: 15%
5. Capitec Bank Holdings Limited: 12%

Moat of Capitec Bank Holdings Limited:

Capitec Bank has created a significant moat through its innovative and customer-oriented business strategy. The focus on simple, transparent banking services and the use of technology to enhance customer experience have helped Capitec build a loyal customer base.

Compared to larger banks like Standard Bank and FirstRand, which have a broader range of services and a larger geographic presence, Capitec has the advantage of being more agile and adaptable. This allows Capitec to react more quickly to market changes and integrate new technologies.

However, the larger banks have a stronger traditional moat due to their extensive resources and established brands, especially in the corporate and investment banking sectors. Capitec must continue to innovate and strengthen its niche in retail banking to remain competitive.

Return on Equity (ROE): 27% (2024)

Customer Growth: 8% (2024)

Loan Growth: 10% (2024)

Capitec Bank Holdings Limited continues to show strong financial performance with a remarkable Return on Equity (ROE) of 27% in 2024. This indicator suggests an efficient use of equity to generate profits, which is attractive to investors.

In 2024, the company experienced a customer growth of 8%, indicating a successful acquisition strategy and high customer satisfaction. This is a positive indicator of future growth potential.

Additionally, Capitec achieved a loan growth of 10% in 2024. This growth demonstrates the bank's ability to expand its loan portfolio and strengthen its market presence.

Overall, these indicators suggest that Capitec Bank Holdings Limited could be a solid investment, especially for investors interested in long-term growth. The strong financial performance and continuous growth potential make the stock an attractive option in the banking sector.

Dividend yield: 4.2% (2025, estimated)

Capitec Bank Holdings Limited has regularly paid out dividends in the past. The company's dividend policy aims to return a significant portion of profits to shareholders, which is reflected in a stable dividend yield.

The reliability of the payout depends on the financial health and profit development of the bank. Given the stable financial performance and solid capitalization, it is expected that Capitec will also be able to pay dividends in the future. Analysts estimate that the dividend yield could be around 4.2% in 2025, based on current market conditions and historical payout policy.