Pepkor is a South African investment and holding company, focused on the discount and value consumer retail, and fintech markets. When all of its brands are combined, as of 2025, it is the largest retail operator in Southern Africa by number of stores, processing around 2 billion transactions per year. While the majority of Pepkor's operations are in South Africa, the company also operates in other African countries, as well as Brazil. It manages retail brands that sell predominantly clothing, footwear, and homeware, in addition to household furniture, appliances, consumer electronics, and building materials. Pepkor's retail brands include PEP, Ackermans, Shoe City, Dunns, Tekkie Town, Refinery, S.P.C.C, CODE, Bradlows, Rochester, Sleepmasters, Incredible Connection, HiFi Corp, and BUCO. As of its 2025 financial year, the company had 6,000 locations. Its fintech operations provide financial and telecommunications services to customers in the formal and informal sectors. Its Flash business supports 200,000 small business traders in the informal sector. Pepkor's internally-developed PAXI parcel delivery service leverages its expansive retail store footprint. Wikipedia