Capitec has once again beaten market expectations, hardly putting a foot wrong. It seems to merit, if that’s possible, its stratospheric 32 earnings multiple compared with the second most highly rated bank, FirstRand, at about 10.

There is no doubt Capitec is a racy outlier in the stodgy, slow-growth banking sector. Headline earnings increased by 28% to R13.5bn for the year to February 28 2025...

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