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Capitec Bank Holdings Limited has provided group earnings guidance for the six months ending August 31, 2025, forecasting that headline earnings per share will rise between 22% and 27%, reaching between 6,764 cents and 7,041 cents per share, up from 5,544 cents per share in the same period last year[1].
Similarly, group earnings per share are projected to be between 6,792 cents and 7,070 cents, also a 22% to 27% increase compared with 5,567 cents per share a year ago. This growth reflects robust performance across all business lines, including increased loan disbursements and a stable annualised credit loss ratio, resulting in higher net interest income post-credit impairments[2].

The bank noted growth in net transaction income and commission, with contributions from value-added services and Capitec Connect. Enhanced client numbers and transaction volumes supported these gains. Capitec also implemented simplified transaction and merchant commission fees, with lowered transaction costs benefiting clients.[2]

All funeral insurance policies sold after November 1, 2024, are now excluded from profit-sharing agreements. The associated additional profit, combined with strong sales, boosted net funeral income. The interim results will include six months of income from Avafin Holding (overseas digital lending), compared to only four months last year.[2]

Capitec’s share price has climbed 1.2% recently and is up over 26% in the last 12 months[2]. Interim results are expected to be published around October 1, 2025. Additionally, Capitec and FNB have partnered with the Department of Home Affairs to expand Smart ID and Passport services to more bank branches nationwide[2].

For the full-year ended February 2025, Capitec reported a 30% surge in headline earnings to R13.739 billion, with a significant increase in dividends. This record performance was attributed to strong digital growth, robust client acquisition, innovative new businesses, and impressive expansion in insurance and value-added offerings[6].

Financial statements indicate that net interest income after credit impairments rose 39%, total net transaction and commission income (including value-added services) increased 25%, and non-interest income was up 22%. Headline earnings attributable to group shareholders grew 28% year-on-year to R13,543 million[4].

In July 2025, Capitec unveiled a new brand campaign focusing on trust, growth, and impact, under the theme “Bank on better”[7].

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