ATLASATLAS fair value
ZAR 2,035
Above fair value · 125% premium
Range: ZAR 1,831–ZAR 2,238Fair valuePrice
Capitec Bank (CPI.JSE)
Capitec Bank share price today, ATLAS forecast and fair value
Financial Services · Banks - Regional · Johannesburg Stock Exchange · South Africa
ZAR 4,571▲ +0.83%
Prices as of Oct 26, 2026 · ZAR
Chance of rising in 1 month
53%
that it ends higher than today in 21 sessions
0%coin flip 50%100%
This is just the summary. See everything on Capitec Bank in ATLAS
ATLAS's own quantitative analysis, all in one place.
- Simulation and expected rangeThousands of simulated scenarios: how far the price could rise or fall.
- Officers and shareholdersWho runs the company and which funds hold its shares.
- Customer and supplier mapWho it does business with, from its own filings.
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- Valuation and financialsFair value step by step, quarterly accounts and upcoming events.
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On Capitec Bank
- Simulation and expected rangeThousands of simulated scenarios: how far the price could rise or fall.
- Officers and shareholdersWho runs the company and which funds hold its shares.
- Customer and supplier mapWho it does business with, from its own filings.
- Valuation and financialsFair value step by step, quarterly accounts and upcoming events.
- NewsThe latest on the company, in one place.
And for you
- ATLAS builds your portfolioAnswer a short test and get portfolios that fit you.
- AlertsWe let you know when something changes in your stocks.
- Crisis simulatorHow your portfolio would do in a crash like 2008.
- Practice risk-free$10,000 in virtual money to invest at real prices.
- Global screenerSearch US stocks and stocks from 47 countries with filters.
Plans from €3.99 a month.
ATLAS estimates Capitec Bank's fair value at about ZAR 2,035 per share (reasonable range: ZAR 1,831 to ZAR 2,238). At ZAR 4,571, the stock trades 125% above it.
It is calculated with valuation multiples of comparable companies. Confidence in the estimate is medium. It is an estimate, not a promise: if the company's results change, so does its fair value.
ATLAS's model gives Capitec Bank a 53% chance of finishing higher a month from now (21 trading sessions) than today: close to a coin flip.
In half of the simulated outcomes the price ends between ZAR 4,412 and ZAR 4,771; in 9 out of 10, between ZAR 4,117 and ZAR 5,113. Estimated annual volatility is 22%.
Price, last 12 months (weekly close)
Key numbers
- Market cap
- ZAR 518B
- Market cap (USD)
- $31.1B
- P/E ratio
- 28.8
- Dividend yield
- 0.02%
- 52-week high
- ZAR 4,912
- 52-week low
- ZAR 3,777
- Revenue (12 months)
- ZAR 45.1B
- Operating margin
- 54.7%
- Net margin
- 40.8%
- Beta
- 0.73
What this means
These are two different questions: fair value looks at the business (what it is worth given what it earns) and the odds look at the price over the next month. Capitec Bank sits above fair value and its odds of rising over a month are close to a coin flip. An expensive stock can keep climbing and a cheap one can keep falling, which is why ATLAS shows the two readings separately.
Over the last 52 weeks CPI.JSE has traded between ZAR 3,777 and ZAR 4,912. Today it is 6.9% below that high and 21% above its low.
On the business: net margin is 40.8%; it trades at 28.8 times earnings.
Its beta is 0.73: it tends to move less than the market.
About the company
Capitec Limited through its subsidiaries, provides various banking products and services in South Africa. The company operates through three segments: Personal banking, Business banking, and Insurance.
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Comparable companies
Other companies in the same line of business:
Frequently asked questions
What is Capitec Bank (CPI.JSE) fair value?
About ZAR 2,035 per share according to ATLAS (reasonable range: ZAR 1,831 to ZAR 2,238). With the stock at ZAR 4,571, it is 125% above it.
What is the chance CPI.JSE goes up next month?
53%: close to a coin flip. In half of the simulated outcomes, CPI.JSE ends the month between ZAR 4,412 and ZAR 4,771.
How big is Capitec Bank and what is its P/E ratio?
Capitec Bank's market capitalization is ZAR 518B. Its price-to-earnings (P/E) ratio is 28.8: you pay ZAR 28.8 for each ZAR 1.00 of yearly earnings.
Does Capitec Bank pay a dividend?
Yes. CPI.JSE's current dividend yield is 0.02% at today's price (ZAR 4,571).
Not investment advice. ATLAS estimates are produced by statistical models from public data; they can be wrong and past performance does not predict future results. Consider your own situation before investing. Disclaimer