Sanlam Ltd

Sanlam Ltd

SLM · JSE · Financial Services / Insurance - Life

8,716.00ZAC-144.00 (-1.63%)

Price History

Full chart

Market Stats

Previous Close8,860.00
Open8,980.00
Day Range8,700.00 – 8,980.00
52-Week Range7,643.00 – 10,255.77
Volume2.17M
Market Cap188.18B
P/E (TTM)10.07
Forward P/E11.48
EPS8.94
Dividend Yield5.63%
Beta0.42
50-Day Avg8,334.32
200-Day Avg8,903.21

About

Sanlam Limited provides various financial services in South Africa, Pan-Africa, Asia, and internationally. The company operates through Sanlam Life and Savings; Pan-Africa; Asia; Sanlam Investments; and Santam segments. It offers life, disability, severe illness, income protection, funeral, credit life, health solutions, and cancer coverage; and corporate insurance solutions, including group risk, life, disability, severe and critical illness, and funeral insurance. The company also provides financial planning services; retirement solutions, such as saving for retirement, retirement preservation, retirement fund members, and two-pot retirement; investments for education planning, unit trusts, and tax-free savings; credit solutions, such as personal and home loans, online shopping credit, and same day express loan; and Sanlam reality programs. In addition, it offers consulting and advisory; health solutions comprising wellness, employee assistance programs, occupational health programme, primary healthcare, and onsite clinics; individual health solutions which includes medical aid, gap cover, and primary care; business assurance and commercial insurance; medium, small and micro enterprises development services, such as access to funding, business skills, development support, financial solutions, and access to markets. The company serves individual and institutional clients, as well as entry-level, middle-income market, and high net worth clients. Sanlam Limited was incorporated in 1918 and is headquartered in Bellville, South Africa.

Company Details

  • SectorFinancial Services
  • IndustryInsurance - Life
  • CEOMr. Paul Brendan Hanratty F.I.A.
  • Employees23.36K
  • Headquarters2 Strand Road, Bellville, South Africa, 7530, South Africa
  • Websitehttps://www.sanlamonline.co.za

Leadership

  • Mr. Paul Brendan Hanratty F.I.A.Group CEO & Executive Director · b. 1961
  • Ms. Abigail Muelelwa Mukhuba B.Com., C.A., M.B.A.Finance Director & Executive Director · b. 1979
  • Mr. Theo MabasoGroup Chief Technology, Information & AI Officer · b. 1976
  • Tokelo MulaudziExecutive Head of Investor Relations
  • Mr. Sydney MbheleChief Executive of Brand · b. 1974
  • Ms. Kanyisa MkhizeChief Executive Officer of Corporate · b. 1984
  • Mr. Bongani MadikizaChief Executive Officer of SA Retail Mass · b. 1973
  • Mr. Patrick HartnicExecutive Head of Group Financial Reporting
  • Ms. Betty SayinzogaChief Executive Officer of General Insurance
  • Mr. Heinie Carl Werth B Acc CA(SA), M.B.A.Chief Executive Officer of SAZ JV · b. 1963

Financials

Income Statement

Currency: ZAR2002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue402.00M48.88B16.07B63.31B69.96B52.50B19.70B60.67B67.28B54.28B88.77B102.07B92.17B85.39B86.80B114.11B77.89B147.70B117.78B191.56B109.80B206.22B227.82B288.64B
Growth (%)-+12059.95%-67.13%+294.04%+10.51%-24.95%-62.48%+207.97%+10.90%-19.33%+63.54%+14.99%-9.70%-7.35%+1.65%+31.46%-31.75%+89.64%-20.25%+62.63%-42.68%+87.81%+10.47%+26.70%
Cost of Revenue-----------77.20B65.07B54.94B57.47B81.41B39.66B104.77B------
Gross Profit402.00M48.88B16.07B63.31B69.96B52.50B19.70B60.67B67.28B54.28B88.77B102.07B92.17B85.39B86.80B114.11B77.89B147.70B129.44B194.26B103.74B206.22B227.82B288.64B
Gross Margin100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%109.90%101.41%94.48%100.00%100.00%100.00%
Operating Expense-1.08B47.48B12.73B49.22B58.79B43.63B16.14B53.42B57.70B45.37B78.96B89.87B79.28B71.46B73.59B98.02B61.08B135.90B113.85B179.94B89.96B186.90B198.31B262.27B
Operating Income1.48B1.40B3.34B14.09B11.17B8.87B3.56B7.25B9.58B8.91B9.80B12.20B12.88B13.93B13.21B16.09B16.80B11.80B15.60B14.33B13.78B19.32B29.51B26.36B
Operating Margin368.66%2.87%20.79%22.25%15.96%16.90%18.06%11.94%14.24%16.42%11.05%11.95%13.98%16.31%15.22%14.10%21.57%7.99%13.24%7.48%12.55%9.37%12.95%9.13%
EBITDA2.15B2.40B5.60B15.11B11.08B9.14B4.15B8.29B9.84B9.01B10.56B12.45B12.80B14.80B12.68B15.16B16.57B15.74B6.15B16.08B15.16B20.44B32.48B29.89B
EBITDA Margin534.58%4.92%34.84%23.86%15.84%17.42%21.07%13.66%14.63%16.60%11.89%12.19%13.89%17.33%14.61%13.28%21.27%10.66%5.22%8.39%13.81%9.91%14.26%10.36%
Net Income1.60B1.68B3.28B12.09B8.10B6.38B2.94B5.08B6.51B6.07B5.66B8.13B8.73B9.39B9.62B10.92B11.63B7.15B718.00M9.47B12.26B14.48B22.24B15.94B
Net Income Margin398.01%3.44%20.43%19.10%11.57%12.15%14.91%8.37%9.68%11.17%6.37%7.97%9.47%11.00%11.09%9.57%14.93%4.84%0.61%4.95%11.16%7.02%9.76%5.52%
Interest Expense667.00M1.00B49.00M136.00M0028.97B363.00M309.00M336.00M500.00M585.00M622.00M681.00M566.00M824.00M1.01B1.74B1.05B963.00M1.13B1.52B1.61B2.05B
Interest Expense % of Total Revenue165.92%2.05%0.30%0.21%0.00%0.00%147.05%0.60%0.46%0.62%0.56%0.57%0.67%0.80%0.65%0.72%1.30%1.18%0.89%0.50%1.03%0.74%0.71%0.71%

Balance Sheet

Currency: ZAR2002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets183.56B196.06B228.02B276.71B335.48B340.26B317.91B334.83B361.19B382.20B443.56B561.30B611.25B674.51B672.56B733.58B815.60B900.23B943.80B1.06T1.01T990.45B1.13T1.29T
Total Liabilities161.28B172.44B197.59B248.25B302.43B308.71B287.66B302.16B326.81B345.33B403.68B516.69B560.02B614.32B613.47B670.15B733.98B820.87B866.57B973.28B921.64B893.55B1.02T1.18T
Total Equity20.65B21.69B27.64B25.02B29.12B29.33B27.65B30.04B31.78B33.82B36.92B40.97B46.04B53.62B53.39B57.42B69.51B67.32B64.71B69.38B71.53B88.53B100.96B101.66B
Cash28.21B27.29B28.87B37.42B9.16B10.82B45.11B55.37B61.17B14.38B14.95B18.40B16.26B20.14B18.76B21.96B28.15B30.37B30.09B27.70B23.56B25.83B34.60B36.18B
Total Debt--4.79B2.88B-6.59B6.76B6.92B6.77B6.29B3.87B3.76B3.63B3.69B4.79B10.77B24.01B34.15B39.57B26.99B27.35B16.97B21.46B20.10B
Net Debt-28.21B-27.29B-24.08B-34.54B-9.16B-4.22B-38.34B-48.46B-54.40B-8.08B-11.09B-14.64B-12.63B-16.46B-13.98B-17.29B-23.43B-22.27B-22.44B-18.55B-16.55B-8.86B-13.14B-16.08B

Cash Flow

Currency: ZAR2002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow3.19B748.00M62.00M1.94B-5.44B30.00M6.81B3.99B904.00M18.93B11.00B10.37B35.94B32.59B14.43B23.40B10.76B6.64B20.66B-1.45B46.59B-4.96B15.11B13.60B
Investing Cash Flow-1.13B-495.00M-1.33B13.07B11.70B9.86B-404.00M-4.29B313.00M-12.56B-4.13B-4.53B-30.03B-15.91B-15.95B-20.27B-6.76B-509.00M-19.20B695.00M-30.97B-2.44B-6.01B1.95B
Financing Cash Flow354.00M-1.17B453.00M-6.92B971.00M-3.23B-2.57B519.00M-1.04B-1.67B-1.34B143.00M-971.00M-1.48B165.00M-215.00M4.05B2.50B-7.48B172.00M-9.80B-11.14B-4.28B-13.46B
Capital Expenditure0000000000000596.00M286.00M305.00M737.00M737.00M737.00M586.00M574.00M752.00M1.07B484.00M
Free Cash Flow3.19B748.00M62.00M1.94B-5.44B30.00M6.81B3.99B904.00M18.93B11.00B10.37B35.94B32.00B14.14B23.10B10.76B6.64B19.92B-2.04B46.01B-5.71B4.42B13.12B
Dividends Paid----------3.28B4.68B4.55B5.33B6.07B6.12B6.84B7.43B8.45B2.72B8.45B9.60B9.62B11.17B
FCF to OCF100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%98.17%98.02%98.70%100.00%100.00%96.43%140.41%98.77%115.17%29.22%96.44%
Dividend Paid to FCF----------29.85%45.11%12.67%16.67%42.94%26.49%63.61%111.86%42.44%-133.45%18.36%-168.26%217.89%85.18%

Earnings

Report DateSep 10, 2026Mar 11, 2027
EPS Estimate--
EPS Actual--
Surprise--
TimingAfter-hoursPre-market

Key Statistics & Ratios

Market Cap188.18B
Enterprise Value160.01B
Trailing P/E10.07
Forward P/E11.48
PEG Ratio82.02
Price / Sales0.81
Price / Book1.75
EPS8.94
Book Value49.32
Revenue (TTM)232.02B
Gross Profit (TTM)140.31B
EBITDA115.50B
Profit Margin8.15%
Operating Margin42.35%
Return on Equity19.93%
Return on Assets5.82%
Shares Outstanding2.09B
Shares Float2.01B
Beta0.42
Dividend Yield5.63%
Dividend Rate4.85
Payout Ratio54.24%

Dividends

20261×
485.00Apr 8, 2026
20251×
445.00Apr 2, 2025
20241×
400.00Apr 3, 2024
20231×
360.00Apr 4, 2023
20221×
334.00Apr 6, 2022
20211×
300.00Apr 7, 2021
20201×
334.00Apr 15, 2020
20191×
312.00Apr 10, 2019
20181×
290.00Apr 4, 2018
20171×
268.00Apr 5, 2017
20161×
245.00Apr 4, 2016
20151×
225.00Apr 13, 2015
20141×
200.00Apr 7, 2014
20131×
163.20Apr 22, 2013
20121×
130.00Apr 20, 2012
20111×
115.00Apr 20, 2011
20101×
104.00Apr 19, 2010
20091×
98.00Apr 17, 2009
20081×
93.00Apr 21, 2008
20071×
77.00Apr 20, 2007
20061×
65.00Apr 21, 2006
20052×
120.00Oct 19, 200554.88Apr 18, 2005
20041×
43.90Apr 19, 2004

Stock Splits

  • Oct 19, 200597363:108181