Santam Ltd (JSE:SNT)
South Africa · Delayed Price · Currency is ZAR · Price in ZAc 39,944
-456 (-1.13%)
Aug 3, 2026, 1:54 PM SAST
Santam Financials Overview
Financials in millions ZAR. Fiscal year is January - December.
Millions ZAR. Fiscal year is Jan - Dec.
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Dec '25 Dec 31, 2025 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Revenue Revenue Growth | 61,236 | 61,236 | 56,714 | 41,993 | 42,756 | 30,462 |
Revenue Growth | 22.39% | 7.97% | 35.06% | -1.79% | 40.36% | 7.79% |
Operating Income Operating Income Growth | 10,949 | 10,949 | 7,849 | 3,964 | 3,436 | 3,656 |
Net Income Net Income Growth | 4,059 | 4,059 | 3,679 | 3,250 | 1,980 | 2,745 |
Earnings Per Share EPS Growth | 36.78 | 36.78 | 33.22 | 29.52 | 17.94 | 24.78 |
EPS Growth | 1.50% | 10.72% | 12.52% | 64.54% | -27.60% | 740.08% |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|
| Period Ending | Dec '25 Dec 31, 2025 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 |
Insurance - Conventional Insurance - Conventional Growth | 44,407 | 44,407 | 40,095 | 32,020 | 34,753 |
Insurance - Alternative Risk Transfer Insurance - Alternative Risk Transfer Growth | 2,685 | 2,685 | 2,588 | 1,632 | 7,080 |
Other Other Growth | 57 | 57 | 55 | 8 | - |
Insurance - Santam's Share of Sanlam General Insurance Businesses Insurance - Santam's Share of Sanlam General Insurance Businesses Growth | 1,190 | 1,190 | 1,160 | 728 | 631 |
Unallocated ART Cells Unallocated ART Cells Growth | 15,083 | 15,083 | 13,432 | 7,060 | -12 |
Reallocations and Other Reconciling Items Reallocations and Other Reconciling Items Growth | -1,010 | -1,010 | 894 | - | - |
Total Total Growth | 62,412 | 62,412 | 58,224 | 41,788 | 42,236 |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Dec '25 Dec 31, 2025 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash & Investments Cash & Investments Growth | 6,083 | 6,083 | 6,385 | 4,819 | 5,387 | 4,496 |
Total Debt Total Debt Growth | 6,157 | 6,157 | 4,902 | 4,567 | 3,947 | 4,242 |
Net Cash (Debt) Net Cash Growth | -74 | -74 | 1,483 | 252 | 1,440 | 254 |
Net Cash Growth | - | - | 488.49% | -82.50% | 466.93% | - |
Net Cash Per Share Net Cash Per Share Growth | -0.67 | -0.67 | 13.39 | 2.29 | 13.05 | 2.29 |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Dec '25 Dec 31, 2025 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Operating Cash Flow Operating Cash Flow Growth | 2,448 | 2,448 | 3,680 | 667 | 3,543 | 1,884 |
Capital Expenditures CapEx Growth | -82 | -82 | -86 | -189 | -78 | -19 |
Free Cash Flow Free Cash Flow Growth | 2,366 | 2,366 | 3,594 | 478 | 3,465 | 1,865 |
Free Cash Flow Growth | -44.12% | -34.17% | 651.88% | -86.20% | 85.79% | - |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Dec '25 Dec 31, 2025 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Operating Margin | 17.88% | 17.88% | 13.84% | 9.44% | 8.04% | 12.00% |
Pretax Margin | 12.32% | 12.32% | 9.95% | 9.88% | 7.85% | 12.20% |
Profit Margin | 6.63% | 6.63% | 6.49% | 7.74% | 4.63% | 9.01% |
FCF Margin | 3.86% | 3.86% | 6.34% | 1.14% | 8.10% | 6.12% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Aug '26 Aug 3, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Dividend Per Share Dividend Per Share Growth | 16.800 | 16.800 | 15.200 | 14.000 | 13.070 | 12.220 |
Dividend Per Share Growth | 10.53% | 10.53% | 8.57% | 7.12% | 6.96% | - |
Dividend Yield | 4.16% | 4.04% | 4.14% | 5.47% | 6.37% | 6.11% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Aug '26 Aug 3, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
PE Ratio | 10.98 | 11.89 | 12.05 | 9.96 | 14.62 | 11.06 |
Forward PE | 11.07 | 10.87 | 13.21 | 10.79 | 11.28 | 12.71 |
P/FCF Ratio | 18.65 | 20.40 | 12.33 | 67.69 | 8.36 | 16.28 |
PS Ratio | 0.72 | 0.79 | 0.78 | 0.77 | 0.68 | 1.00 |