This year’s Member Returns include a $20 million Trade Rebate, a 7 cent share dividend and Rewards Points* earned on eligible purchases. We’re proud to support businesses to grow and thrive.

Here’s how Capricorn gave back to Members last financial year:

1. Trade Rebates – $20 million back to Members

Capricorn is giving back $20 million in Rewards Points to Members through the Trade Rebate. These points are based on how much you spent using your Capricorn Trade Account. The more you spent, the more points you received. These points will show up on your Trade Account September statement (issued in October) and can be used to pay bills, buy tools, refurnish your home or even book a holiday.

2. Ordinary Dividend – 7 cents per share

If you’re a Shareholder in Capricorn, you also received a dividend of 7 cents per share – fully franked in Australia and partially franked in New Zealand. It’s another way Capricorn shares its profits with Members, which are paid back in two ways based on the number of shares you held on 30 June 2025:

• You can reinvest back into shares, which will appear on your Capricorn Trade Account September statement (issued in October) as well as a dividend letter; or
• Receive an EFT payment, which will be credited to your nominated bank account and the details will be provided via a dividend letter later in October.

When you add up everything, Trade Rebates, Dividends, Rewards Points and other benefits, Capricorn returned over $100 million to Members this year, the highest amount ever returned in Capricorn’s history.

Don’t forget we reward you

The $100 million, includes Trade Rebate, ordinary Dividend and Rewards Points on eligible purchases. Don’t forget for every $1 you spent on eligible purchases through your Trade Account, you receive 1.5 Rewards Points.

How does the Trade Rebate work?

• Automatic and easy: Capricorn calculates your rebate based on your eligible spend through your Trade Account over the past financial year.
• Proportional to your spend: The more you spend, the bigger your share of the rebate. It’s a simple way to reward loyalty and support for the Capricorn Community.
• Paid as Rewards Points: Your rebate is paid out as additional Rewards Points, which you’ll see on your Capricorn Trade Account September statement (issued in October).
• No expiry pressure: Your points don’t expire quickly, so you can use them when it suits you, whether that’s buying new tools, booking a holiday and more.

You don’t need to do anything

You don’t need to apply or fill out any forms, the Trade Rebate is automatic. The rebate is paid out as additional Rewards Points, which appear on your Trade Account September statement (issued in October). These points can be used to buy equipment, to treat yourself through the Rewards program and more.

A quick note on dividends and franking

If you're a Capricorn Shareholder, you may have noticed that your dividend comes with something called a “franking credit”. This is a tax benefit that helps avoid double taxation, once at the company level and again when you receive the dividend.

Here’s how it works:

• In Australia – Fully franked shares

In Australia, Capricorn dividends are fully franked. This means Capricorn has already paid tax on the profits used to pay your dividend. You get a franking credit for that tax, which you can use to reduce your own tax bill. In some cases, if your income is low, you might even get a refund from the ATO.

• In New Zealand – Partially franked shares

In New Zealand, Capricorn dividends are partially franked. This means only part of the dividend has had tax paid on it by Capricorn. You’ll still get a franking credit, but it will be smaller. You may need to pay some tax on the rest of the dividend, depending on your personal tax situation.

The franking system is different in each country, so it’s a good idea to speak with your accountant or tax advisor to understand how it applies to you.

How can you use your Rewards Points?

Your Rewards Points are flexible and valuable. Here’s how you can use them:

• Buy equipment: Redeem points for tools, workshop equipment or office supplies.
• Treat yourself: Use points for travel, gift cards or even to furnish your home.
• Share purchases: Purchase additional shares.
• Pay off your Trade Account: Use Rewards Points to pay your Trade Account. For example, a Members from Swan Smash Repairs used Rewards Points for a family holiday.

Tips for making the most of your Trade Rebate

• Check your statement: Look for your additional Rewards Points on your Trade Account September statement (issued in October).
• Redeem Rewards Points regularly: Don’t let your points sit idle, use them to support your business or reward yourself.
• Ask for help: If you’re not sure how to use your points, talk to your Area Manager or contact us.

Why does Capricorn provide Member Returns?

Capricorn is a cooperative, which means we exist to benefit our Members, not external shareholders. When Capricorn does well, so do our Members. The Trade Rebate is a tangible way we share our success, rewarding you for supporting the community and helping your business thrive.

Common questions about the Trade Rebate

Q: Do I need to apply for the Trade Rebate?

A: No. If you’re a Capricorn Member and you actively use your Trade Account, you’re automatically eligible.

Q: How is my rebate calculated?

A: It’s based on your eligible spend through your Trade Account during the financial year. The more you spend, the more you get back.

Q: Where do I find my Rewards Points?

A: Your points appear on your Trade Account September statement (issued in October) each year. You can also check your balance anytime through myCAP.

Q: Do my points expire?

A: Points don’t expire, so you can use them when it suits you.

Q: Does redeeming points reduce my rebate next year?

A: No. Redeeming your points does not affect your future rebates. Your rebate is based on your spend, not your redemptions.

Want to know more?

Find out what is in it for you? Take a look at your Trade Account September statement (issued in October) via myCAP to see how much value has been returned to you and treat yourself with Capricorn Rewards!

Alternatively, if you have questions about the Trade Rebate or want to learn more about how to use your Rewards Points, visit myCAP, talk to your Area Manager or contact us. We’re here to help you make the most of your membership.

Thank you for being part of the Capricorn Community. Here’s to another great year of working together and sharing success!

Please note that all figures quoted are in AUD. The past performance of Capricorn is no indication of future performance or returns. All information on this page is general information only and is not intended to be advice. Before acting on any information you should consider the relevance of it to your circumstances and, if necessary, take professional advice.

Shares are issued by Capricorn Society Limited (ACN 008 347 313). No offer of shares is made in this article or publication. An offer of shares will only made in, or accompanied by, Capricorn’s Prospectus and any Supplementary Prospectus which is available on request or may be viewed at capricorn.coop under “Corporate Documents.” Before making any decision to apply for shares you should consider the prospectus and any supplementary prospectus. Any application for shares must be made on the application form in or accompanying the Prospectus.

*Participation in Capricorn Rewards is subject to the Capricorn Rewards Terms and Conditions which can be found at cap.coop/tc.