Santam

SNT · JSE · Financial Services / Insurance - Specialty

49,000.00ZAC-95.00 (-0.19%)

Price History

Full chart

Market Stats

Previous Close49,095.00

Open48,542.00

Day Range48,525.00 – 49,123.00

52-Week Range36,011.00 – 49,007.00

Volume75.62K

Market Cap43.58B

P/E (TTM)10.46

Forward P/E15.08

EPS38.14

Dividend Yield4.36%

Beta0.23

50-Day Avg40,621.72

200-Day Avg40,773.70

About

Santam Ltd, together with its subsidiaries, provides various general insurance products and services to individuals, commercial, and corporate markets in South Africa, rest of Africa, and internationally. It offers personal insurance, such as car insurance, home, contents insurance, building insurance, all risk insurance, watercraft insurance, drone insurance, travel insurance, and personal legal insurance; business insurance, including motor insurance, property insurance, small, business insurance, liability insurance, business legal insurance, and industry specific products. The company also provides insurance for specialized risks comprising accident and health, aviation, business travel insurance, casualty, cell captive, commercial drone, construction and engineering, corporate property, crop insurance, emerging business, family protect, heavy haulage, legal insurance, marine, motor fleets, private client, and structured insurance. In addition, it offers insurance for agriculture consisting of asset insurance, crop insurance, and agriculture legal insurance; guest house insurance; and tourism, leisure and entertainment, and reinsurance insurance. The company was incorporated in 1918 and is headquartered in Bellville, South Africa. Santam Ltd operates as a subsidiary of Sanlam Life Insurance Limited.

Company Details

SectorFinancial Services
IndustryInsurance - Specialty
CEOMr. Tavaziva Chadamoyo Madzinga
Employees0
Headquarters1 Sportica Crescent, Bellville, South Africa, 7530, South Africa
Websitehttps://www.santam.co.za

Leadership

Mr. Tavaziva Chadamoyo MadzingaCEO & Executive Director · b. 1979
Mr. Matthys Lodewikus OlivierGroup CFO, Debt Officer, Finance Director & Executive Director · b. 1973
Dr. Philile Mkhize B.Com., Ph.D.Group Chief Operating Officer
Mr. Sam NkosiChief Information Officer
Mr. Thabiso RulasheHead of Investor Relations & Strategy
Ms. Tinyiko Ribisi-TermarkChief Legal Officer · b. 1984
Ms. Holly LufeleExecutive Head of Human Capital
Mr. Quinten Matthew FIISAChief Commercial Officer · b. 1964
Ms. Nomagugu Vivian Mtetwa CA(SA)Chief Executive Officer of Santam Partner Solutions · b. 1979
Mr. Steve MurphyHead of Santam Reinsurance

Financials

Income Statement

Currency: ZAR	2002-12-31	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31

Currency: ZAR	2002-12-31	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Revenue	5.84B	7.45B	9.00B	19.91B	10.91B	12.14B	12.28B	14.29B	15.18B	15.84B	17.48B	18.58B	19.43B	21.15B	21.93B	24.34B	26.16B	27.91B	28.36B	30.76B	32.39B	41.99B	50.13B	61.20B
Growth (%)	-	+27.48%	+20.87%	+121.24%	-45.23%	+11.33%	+1.17%	+16.34%	+6.20%	+4.36%	+10.37%	+6.30%	+4.57%	+8.85%	+3.66%	+11.02%	+7.46%	+6.71%	+1.60%	+8.48%	+5.28%	+29.66%	+19.39%	+22.06%
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	14.33B	13.86B	14.75B	16.63B	18.28B	18.35B	19.96B	-	5.54B	6.00B	-6.97B	6.46B	6.94B
Gross Profit	5.84B	7.45B	9.00B	19.91B	10.91B	12.14B	12.28B	14.29B	15.18B	15.84B	17.48B	18.58B	19.43B	21.15B	21.93B	24.34B	26.16B	27.91B	28.36B	30.46B	42.76B	48.96B	50.13B	61.20B
Gross Margin	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%	100.00%	100.00%	99.02%	132.02%	116.59%	100.00%	100.00%
Operating Expense	5.41B	6.23B	6.60B	17.58B	8.42B	10.51B	11.35B	12.66B	12.63B	13.85B	15.72B	17.04B	17.10B	17.78B	19.98B	21.89B	22.41B	26.55B	26.50B	26.81B	39.14B	44.74B	44.18B	53.37B
Operating Income	434.77M	1.22B	2.40B	2.33B	2.49B	1.64B	930.00M	1.63B	2.55B	1.99B	1.76B	1.54B	2.33B	3.37B	1.95B	2.45B	3.75B	1.36B	1.86B	3.66B	3.61B	4.22B	5.95B	7.83B
Operating Margin	7.44%	16.40%	26.64%	11.72%	22.82%	13.48%	7.57%	11.42%	16.79%	12.53%	10.05%	8.28%	12.00%	15.94%	8.88%	10.07%	14.33%	4.88%	6.57%	11.88%	11.15%	10.05%	11.87%	12.79%
EBITDA	450.23M	1.24B	2.34B	2.33B	2.30B	1.77B	897.00M	1.66B	2.59B	2.00B	1.87B	1.65B	2.45B	3.54B	2.08B	2.59B	3.67B	4.18B	2.65B	4.83B	4.02B	5.09B	6.85B	8.65B
EBITDA Margin	7.71%	16.70%	26.01%	11.72%	21.12%	14.59%	7.30%	11.59%	17.07%	12.63%	10.67%	8.86%	12.63%	16.72%	9.51%	10.63%	14.04%	14.96%	9.34%	15.70%	12.41%	12.11%	13.67%	14.14%
Net Income	319.18M	864.98M	1.78B	1.80B	1.87B	1.05B	724.00M	1.12B	1.79B	1.41B	1.03B	1.12B	1.58B	2.35B	1.21B	1.67B	2.43B	2.20B	327.00M	2.75B	1.98B	3.25B	3.68B	4.06B
Net Income Margin	5.46%	11.62%	19.81%	9.04%	17.12%	8.65%	5.89%	7.81%	11.79%	8.87%	5.87%	6.03%	8.13%	11.10%	5.53%	6.85%	9.28%	7.88%	1.15%	8.92%	6.11%	7.74%	7.34%	6.63%
Interest Expense	0	0	14.00M	12.00M	7.00M	45.00M	152.00M	114.00M	120.00M	94.00M	106.00M	118.00M	93.00M	116.00M	212.00M	295.00M	331.00M	368.00M	318.00M	313.00M	323.00M	438.00M	538.00M	513.00M
Interest Expense % of Total Revenue	0.00%	0.00%	0.16%	0.06%	0.06%	0.37%	1.24%	0.80%	0.79%	0.59%	0.61%	0.64%	0.48%	0.55%	0.97%	1.21%	1.27%	1.32%	1.12%	1.02%	1.00%	1.04%	1.07%	0.84%

Balance Sheet

Currency: ZAR	2002-12-31	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31

Currency: ZAR	2002-12-31	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Assets	8.92B	10.71B	12.53B	14.86B	16.82B	17.49B	16.45B	17.08B	17.73B	18.69B	19.74B	22.62B	25.18B	27.86B	29.28B	38.73B	45.10B	49.23B	56.18B	65.56B	73.05B	67.13B	73.44B	82.39B
Total Liabilities	5.50B	6.70B	7.06B	9.01B	10.07B	13.31B	12.05B	12.14B	12.52B	12.55B	14.12B	16.08B	17.74B	19.31B	21.93B	30.80B	35.73B	39.17B	46.09B	53.50B	61.45B	55.72B	59.36B	65.81B
Total Equity	3.38B	3.96B	5.41B	5.73B	6.63B	4.04B	4.26B	4.79B	5.13B	6.04B	5.51B	6.13B	7.01B	8.08B	6.88B	7.42B	8.86B	9.54B	9.36B	11.43B	10.86B	10.69B	12.74B	15.05B
Cash	2.27B	3.20B	3.93B	4.93B	5.14B	3.44B	1.94B	1.38B	1.14B	1.60B	3.39B	3.77B	4.45B	5.63B	4.25B	4.32B	3.62B	4.64B	4.38B	4.50B	5.39B	4.82B	6.38B	6.08B
Total Debt	-	-	-	-	-	-	-	24.00M	24.00M	24.00M	1.03B	997.00M	999.00M	974.00M	2.00B	2.03B	2.07B	3.06B	3.85B	3.30B	3.18B	3.83B	4.05B	5.06B
Net Debt	-2.27B	-3.20B	-3.93B	-4.93B	-5.14B	-3.44B	-1.94B	-1.35B	-1.12B	-1.57B	-2.35B	-2.77B	-3.45B	-4.66B	-2.24B	-2.29B	-1.55B	-1.58B	-512.00M	-1.18B	-2.18B	-987.00M	-2.33B	-1.02B

Cash Flow

Currency: ZAR	2002-12-31	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31

Currency: ZAR	2002-12-31	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Operating Cash Flow	717.11M	1.08B	1.46B	1.59B	1.59B	1.81B	706.00M	1.61B	1.26B	1.59B	1.74B	1.28B	1.93B	2.54B	1.33B	2.49B	1.14B	2.90B	1.13B	1.88B	3.54B	667.00M	3.68B	2.45B
Investing Cash Flow	94.08M	-107.18M	-44.00M	810.00M	-420.00M	-216.00M	-272.00M	-1.47B	-409.00M	-205.00M	755.00M	-1.18B	-989.00M	-276.00M	-553.00M	282.00M	-685.00M	-281.00M	-180.00M	-109.00M	1.00M	2.14B	-139.00M	-913.00M
Financing Cash Flow	20.79M	39.24M	41.00M	-1.40B	-1.09B	-2.47B	-520.00M	-560.00M	-1.05B	-1.04B	-1.64B	-358.00M	-795.00M	-1.76B	-1.09B	-1.27B	-1.28B	-1.56B	-208.00M	-1.63B	-2.69B	-3.33B	-1.96B	-1.79B
Capital Expenditure	22.30M	38.07M	33.00M	21.00M	18.00M	32.00M	48.00M	37.00M	27.00M	67.00M	94.00M	107.00M	171.00M	124.00M	110.00M	95.00M	89.00M	120.00M	146.00M	108.00M	136.00M	271.00M	119.00M	95.00M
Free Cash Flow	694.81M	1.04B	1.43B	1.57B	1.57B	1.77B	658.00M	1.57B	1.24B	1.52B	1.64B	1.17B	1.76B	2.42B	1.22B	2.40B	1.05B	2.78B	981.00M	1.78B	3.41B	396.00M	3.56B	2.35B
Dividends Paid	-	-	-	360.00M	1.19B	2.96B	460.00M	485.00M	1.11B	593.00M	1.63B	745.00M	795.00M	869.00M	1.81B	1.00B	1.09B	1.17B	793.00M	477.00M	2.26B	3.42B	1.58B	1.68B
FCF to OCF	96.89%	96.46%	97.74%	98.68%	98.87%	98.23%	93.20%	97.70%	97.87%	95.79%	94.58%	91.62%	91.14%	95.13%	91.72%	96.19%	92.17%	95.86%	87.05%	94.27%	96.16%	59.37%	96.77%	96.12%
Dividend Paid to FCF	-	-	-	22.99%	75.38%	166.85%	69.91%	30.83%	89.90%	38.94%	99.09%	63.68%	45.20%	35.91%	148.15%	41.81%	103.72%	42.17%	80.84%	26.86%	66.45%	864.65%	44.26%	71.36%

Earnings

Report Date	Mar 8, 2027
EPS Estimate	-
EPS Actual	-
Surprise	-
Timing	Pre-market

Key Statistics & Ratios

Market Cap43.58B

Enterprise Value42.53B

Trailing P/E10.46

Forward P/E15.08

PEG Ratio301.75

Price / Sales0.69

Price / Book2.77

EPS38.14

Book Value145.48

Revenue (TTM)63.48B

Gross Profit (TTM)12.33B

EBITDA11.34B

Profit Margin6.63%

Operating Margin16.21%

Return on Equity32.97%

Return on Assets8.66%

Shares Outstanding109.24M

Shares Float36.59M

Beta0.23

Dividend Yield4.36%

Dividend Rate17.40

Payout Ratio44.05%

Dividends

20231×

845.00Mar 22, 2023

20222×

462.00Sep 21, 2022790.00Mar 23, 2022

20211×

432.00Sep 21, 2021

20201×

718.00Mar 25, 2020

20192×

392.00Sep 18, 2019665.00Mar 19, 2019

20182×

363.00Sep 19, 2018616.00Mar 20, 2018

20172×

336.00Sep 20, 2017570.00Mar 22, 2017

20162×

311.00Sep 21, 2016528.00Mar 17, 2016

20152×

288.00Sep 14, 2015479.03Mar 23, 2015

20142×

258.11Sep 15, 2014429.33Mar 24, 2014

20132×

239.13Sep 20, 2013401.44Mar 15, 2013

20122×

16.08Sep 17, 2012355.00Mar 16, 2012

20112×

200.00Sep 19, 2011325.00Mar 18, 2011

20101×

185.00Sep 17, 2010

Stock Splits

May 14, 20079:10