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XJSECLI
Market cap216mUSD
Dec 23, Last price  
1,199.00ZAR
1D
0.84%
1Q
-2.36%
Jan 2017
-24.59%
IPO
50.82%
Name

Clientele Ltd

Chart & Performance

D1W1MN
XJSE:CLI chart
P/E
1,218.57
P/S
186.53
EPS
0.98
Div Yield, %
0.00%
Shrs. gr., 5y
-0.01%
Rev. gr., 5y
-0.58%
Revenues
2.16b
-13.47%
514,139,000623,334,000860,958,000966,431,0001,166,310,0001,138,071,0001,241,651,0001,443,228,0001,551,021,0001,645,252,0001,781,716,0001,919,504,0002,088,828,0002,368,450,0002,218,906,0002,261,389,0002,504,275,0002,432,378,0002,490,827,0002,155,379,000
Net income
330m
-32.35%
83,356,00090,779,000104,837,000134,206,000137,960,000148,459,000190,226,000238,432,000293,095,000307,811,000361,643,000410,486,000466,498,000490,302,000400,937,000328,517,000392,255,000420,353,000487,700,000329,937,000
CFO
35m
P
402,832,00037,892,00053,423,000182,518,000-98,846,0004,060,00090,497,00072,966,00028,235,00049,245,000128,721,00073,061,00041,503,000200,483,000-89,055,000310,547,00038,348,000120,586,000-212,278,00035,373,000
Dividend
Oct 09, 2024125 ZAR/sh
Earnings
Mar 24, 2025

Profile

Clientèle Limited, through its subsidiaries, provides financial products and services in South Africa. It operates in three segments: Long-Term Insurance, Short-Term Insurance, and CBC Rewards and Clientèle Mobile. The company underwrites, markets, and distributes insurance and investment products. It offers funeral, hospital, legal, and life insurance products; and provides estate preservation, wealth, investment, and credit life plans, as well as financial advisory services. The company also offers short-term insurance products, such as personal and business lines legal insurance policies. In addition, it provides rewards benefits to its clients from a range of retailers and service providers; and airtime and data to the CBC Rewards clients. The company is headquartered in Morningside, South Africa. Clientèle Limited is a subsidiary of Friedshelf 1577 Proprietary Limited.
URL
https://www.clientele.co.za/
IPO date
May 20, 2008
Employees
Domiciled in
ZA
Incorporated in
ZA

Valuation

Title
ZAR in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFYFY
2024‑062023‑062022‑062021‑062020‑062019‑062018‑062017‑062016‑062015‑06
Income
Revenues
2,155,379
-13.47%
2,490,827
2.40%
2,432,378
-2.87%
Cost of revenue
551,530
453,950
Unusual Expense (Income)
NOPBT
2,155,379
1,939,297
1,978,428
NOPBT Margin
100.00%
77.86%
81.34%
Operating Taxes
216,120
81,293
225,472
Tax Rate
10.03%
4.19%
11.40%
NOPAT
1,939,259
1,858,004
1,752,956
Net income
329,937
-32.35%
487,700
16.02%
420,353
7.16%
Dividends
(404,208)
(368,736)
Dividend yield
10.04%
9.16%
Proceeds from repurchase of equity
127
BB yield
0.00%
Debt
Debt current
100,000
7,743
Long-term debt
204,806
92,257
Deferred revenue
227,856
359,862
105,316
Other long-term liabilities
6,394,618
(391,838)
(122,278)
Net debt
(6,985,434)
(16,080,387)
(9,633,677)
Cash flow
Cash from operating activities
35,373
(212,278)
120,586
CAPEX
(26,695)
(25,159)
(35,436)
Cash from investing activities
(56,306)
(29,857)
(65,261)
Cash from financing activities
(332,179)
(10,326)
(16,546)
FCF
(1,733,353)
1,856,822
1,751,524
Balance
Cash
317,050
5,227,018
502,000
Long term investments
6,873,190
10,953,369
9,231,677
Excess cash
7,082,471
16,055,846
9,612,058
Stockholders' equity
2,862,136
916,208
892,498
Invested Capital
7,593,155
11,179,697
9,447,320
ROIC
20.66%
18.02%
19.27%
ROCE
19.09%
15.99%
19.10%
EV
Common stock shares outstanding
335,418
335,595
335,707
Price
10.61
-11.58%
12.00
0.08%
11.99
23.35%
Market cap
3,558,785
-11.63%
4,027,140
0.05%
4,025,127
23.37%
EV
(3,426,649)
(11,917,790)
(5,469,061)
EBITDA
2,155,379
1,974,752
2,011,896
EV/EBITDA
Interest
33,167
25,433
22,812
Interest/NOPBT
1.54%
1.31%
1.15%