Santam Ltd (JSE:SNT)

Santam Balance Sheet

Financials in millions ZAR. Fiscal year is January - December.

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Investments in Equity & Preferred Securities	4,426	3,912	3,093	2,572	2,063	3,975
Other Investments	47,523	45,989	33,853	30,221	24,795	24,388
Total Investments	68,041	65,816	54,866	46,320	38,132	35,123
Cash & Equivalents	6,498	6,083	6,385	4,819	5,387	4,496
Reinsurance Recoverable	6,249	5,412	6,780	10,087	14,005	15,278
Other Receivables	2,951	2,924	3,354	3,639	3,508	7,931
Deferred Policy Acquisition Cost	-	-	-	-	-	961
Property, Plant & Equipment	824	861	801	877	640	702
Goodwill	-	795	787	782	751	685
Other Intangible Assets	973	190	209	444	322	304
Long-Term Deferred Tax Assets	200	311	257	162	139	78
Other Long-Term Assets	-	-	-	-	1,768	-
Total Assets	85,736	82,392	73,439	67,130	64,652	65,558

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accounts Payable	-	1,361	1,646	1,673	1,934	1,732
Accrued Expenses	-	1,869	1,590	1,157	921	2,102
Insurance & Annuity Liabilities	4,681	4,489	3,529	2,310	1,753	141
Unpaid Claims	40,275	-	-	-	-	21,949
Unearned Premiums	-	38,176	34,690	32,340	34,468	14,091
Reinsurance Payable	4,892	5,216	5,499	5,789	4,144	966
Current Portion of Long-Term Debt	-	72	42	45	31	19
Current Portion of Leases	-	226	226	191	189	189
Short-Term Debt	1,120	1,235	1,053	690	739	926
Current Income Taxes Payable	233	476	305	238	334	405
Long-Term Debt	8,053	4,016	3,021	3,008	2,508	2,533
Long-Term Leases	818	608	560	633	480	575
Long-Term Deferred Tax Liabilities	719	541	259	1,103	100	85
Other Current Liabilities	143	7,395	6,658	5,085	4,271	443
Other Long-Term Liabilities	7,361	133	286	1,462	1,246	6,779
Total Liabilities	68,295	65,813	59,364	55,724	53,118	53,496

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	103	103	103	103	103	103
Retained Earnings	16,759	15,839	13,522	11,424	10,458	10,895
Treasury Stock	-892	-866	-902	-845	-713	-570
Comprehensive Income & Other	-74	-29	13	10	1,016	1,004
Total Common Equity	15,896	15,047	12,736	10,692	10,864	11,432
Minority Interest	1,545	1,532	1,339	714	670	630
Shareholders' Equity	17,441	16,579	14,075	11,406	11,534	12,062
Total Liabilities & Equity	85,736	82,392	73,439	67,130	64,652	65,558

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Filing Date Shares Outstanding	109.27	109.24	109.14	109.14	109.6	110.16
Total Common Shares Outstanding	109.27	109.24	109.14	109.14	109.6	110.16
Total Debt	9,991	6,157	4,902	4,567	3,947	4,242
Net Cash (Debt)	-3,493	-74	1,483	252	1,440	254
Net Cash Growth	-	-	488.49%	-82.50%	466.93%	-
Net Cash Per Share	-31.66	-0.67	13.39	2.29	13.05	2.29
Book Value Per Share	145.47	137.75	116.69	97.97	99.13	103.78
Tangible Book Value	14,923	14,062	11,740	9,466	9,791	10,443
Tangible Book Value Per Share	136.57	128.73	107.56	86.74	89.34	94.80
Machinery	-	631	788	824	619	567

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every six months for this company.

Update frequency:

Semi-annually

Last checked:

Sep 12, 2026

Data Sources Report a data error