Capitec Bank (CPI.JO) Stock Chart - Revenue & Earnings | Quarter Chart

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Income Statement

Revenue by Product

Revenue by Geography

Revenue, Gross Profit, Operating and Net Income

RevenueGross ProfitOperating IncomeNet Income
0875M2B3B4B4B5B6B7BQ4 2024Q2 2025Q4 2025Q2 2026Q4 2026

Margin (%)

Gross MarginOperating MarginNet Income Margin
075150225300375450525600Q4 2024Q2 2025Q4 2025Q2 2026Q4 2026

Operating Expenses

Selling And Marketing ExpensesGeneral And Administrative ExpensesOther Expenses
0250M500M750M1B1B2B2B2BQ4 2024Q2 2025Q4 2025Q2 2026Q4 2026

EBITDA

EBITDA
0250M500M750M1B1B2B2B2BQ4 2024Q2 2025Q2 2026Q4 2026

EPS

EPSEPS Diluted
0124568910Q4 2024Q2 2025Q4 2025Q2 2026Q4 2026

Revenue Variation (%)

Revenue Variation
0255075100125150175200Q4 2024Q2 2025Q4 2025Q2 2026Q4 2026

Income Variation (%)

Gross Profit VariationOperating Income VariationNet Income Variation
03875112150188225262300Q4 2024Q2 2025Q4 2025Q2 2026Q4 2026

Revenue YoY Variation (%)

Revenue YoY Variation
-30115294135176218259300Q4 2024Q2 2025Q4 2025Q2 2026Q4 2026

Income YoY Variation (%)

Gross Profit YoY VariationOperating Income YoY VariationNet Income YoY Variation
02505007501K1K2K2K2KQ4 2024Q2 2025Q4 2025Q2 2026Q4 2026

Price-to-Earning Ratio

P/E Ratio
02581012151820Q4 2024Q2 2025Q4 2025Q2 2026Q4 2026

Income Breakdown

Rule Of 40 (EBITDA)Rule Of 40 (FCF)
062125188250312375438500Q4 2024Q2 2025Q4 2025Q2 2026Q4 2026

Per Share Metrics

Operating IncomeInterest IncomeTotal Other Income Expenses NetNet Income
0375M750M1B2B2B2B3B3BQ4 2024Q2 2025Q4 2025Q2 2026Q4 2026

Expense Ratios

Revenue Per ShareNet Income Per ShareOperating Cash Flow Per Share
0510152025303540Q4 2024Q2 2025Q4 2025Q2 2026Q4 2026
Cash Flow Statement

Operating Cash Flow

Capex To RevenueStock Based Compensation To Revenue
000001111Q4 2024Q2 2025Q4 2025Q2 2026Q4 2026

Free Cash Flow

Operating Cash FlowCapital ExpenditureFree Cash Flow
0375M750M1B2B2B2B3B3BQ4 2024Q2 2025Q4 2025Q2 2026Q4 2026

Cash Flow to Debt Ratio

Cash At End Of Period
-500M62M625M1B2B2B3B3B4BQ4 2024Q2 2025Q2 2026
Balance Sheet

Current Ratio

Net Cash Provided By Operating ActivitiesNet Cash Used Provided By Financing Activities
0375M750M1B2B2B2B3B3BQ4 2024Q2 2025Q4 2025Q2 2026Q4 2026

Quick Ratio

Total AssetsTotal Liabilities
04B8B11B15B19B22B26B30BQ4 2024Q2 2025Q4 2025Q2 2026Q4 2026

Cash & Equivalents

Total Current AssetsTotal Non Current Assets
02B5B8B10B12B15B18B20BQ4 2024Q2 2025Q4 2025Q2 2026Q4 2026

Total Assets

Total Current LiabilitiesTotal Non Current Liabilities
02B5B8B10B12B15B18B20BQ4 2024Q2 2025Q4 2025Q2 2026Q4 2026

Total Liabilities

Total Stockholders Equity
0500M1B2B2B2B3B4B4BQ4 2024Q2 2025Q4 2025Q2 2026Q4 2026

Shareholders Equity

Debt To Equity
000001111Q4 2024Q2 2025Q4 2025Q2 2026Q4 2026

Asset Composition

Cash And Cash Equivalents
0500M1B2B2B2B3B4B4BQ4 2024Q2 2025Q4 2025Q2 2026Q4 2026

Debt Structure

Short Term DebtLong Term Debt
038M75M112M150M188M225M262M300MQ4 2024Q2 2025Q4 2025Q2 2026Q4 2026
Key Metrics

Capitec Bank (CPI.JO) quarterly earnings & revenue

Capitec Bank (CPI.JO) reported revenue of 2.39B ZAC for Q4 2026, up 165.0% year-over-year, with net income of 537.56M ZAC and diluted EPS of 4.64 ZAC.

Over the last four reported quarters, Capitec Bank generated 6.81B ZAC in revenue and 1.86B ZAC in net income.

Capitec Bank's next earnings report is scheduled for September 30, 2026; analysts estimate EPS of 0.05 ZAC.

Capitec Bank quarterly results

Fiscal quarterRevenueRevenue YoYNet incomeEPS (diluted)
Q4 20262.39B ZAC+165.0%537.56M ZAC4.64 ZAC
Q2 20262.24B ZAC+196.0%485.91M ZAC4.20 ZAC
Q4 20251.15B ZAC-15.4%445.01M ZAC3.84 ZAC
Q2 20251.03B ZAC-15.8%390.52M ZAC3.38 ZAC
Q4 2024901.31M ZAC-21.7%356.80M ZAC3.08 ZAC
Q2 2024758.24M ZAC-26.2%285.52M ZAC2.47 ZAC
Q4 20231.36B ZAC+35.1%306.39M ZAC2.64 ZAC
Q2 20231.22B ZAC+32.5%283.81M ZAC2.45 ZAC

📈 Analysts estimate CPI.JO EPS of 0.05 ZAC for the upcoming quarter. See Capitec Bank revenue & EPS analyst forecasts for the next four quarters with Quarter Chart Premium.

Capitec Bank (CPI.JO) — frequently asked questions

When does Capitec Bank (CPI.JO) report earnings next?

Capitec Bank is expected to report earnings on September 30, 2026. Analysts estimate EPS of 0.05 ZAC.

What was CPI.JO's revenue last quarter?

Capitec Bank reported revenue of 2.39B ZAC in Q4 2026, up 165.0% from the same quarter a year earlier.

What was CPI.JO's EPS last quarter?

Capitec Bank reported diluted EPS of 4.64 ZAC in Q4 2026.

Is Capitec Bank profitable?

Capitec Bank is currently profitable, with 1.86B ZAC in net income over the last four reported quarters.

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