Santam Ltd (JSE:SNT)
South Africa · Delayed Price · Currency is ZAR · Price in ZAc 39,840
-560 (-1.39%)
Aug 3, 2026, 2:47 PM SAST
Santam Cash Flow Statement
Financials in millions ZAR. Fiscal year is January - December.
Millions ZAR. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | 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 |
Net Income | 4,059 | 3,679 | 3,250 | 1,980 | 2,745 |
Depreciation & Amortization | 295 | 306 | 281 | 237 | 232 |
Other Amortization | 13 | 55 | 44 | 43 | 51 |
Gain (Loss) on Sale of Assets | -8 | -2 | - | - | - |
Gain (Loss) on Sale of Investments | - | - | -705 | - | - |
Stock-Based Compensation | 98 | 99 | 117 | 112 | 86 |
Reinsurance Recoverable | 471 | 5,593 | 3,678 | 15 | -5,848 |
Change in Accounts Payable | - | - | 221 | 456 | -103 |
Change in Unearned Revenue | - | - | - | - | -28 |
Change in Insurance Reserves / Liabilities | 5,341 | 3,665 | -1,407 | 5,543 | 6,830 |
Change in Other Net Operating Assets | 777 | 385 | 105 | -1,796 | -1,132 |
Other Operating Activities | -9,064 | -4,000 | -7,123 | -4,528 | -747 |
Operating Cash Flow | 2,448 | 3,680 | 667 | 3,543 | 1,884 |
Operating Cash Flow Growth | -33.48% | 451.72% | -81.17% | 88.06% | - |
Investing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | 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 |
Capital Expenditures | -82 | -86 | -189 | -78 | -19 |
Sale of Property, Plant & Equipment | - | 38 | 2,632 | - | - |
Purchase / Sale of Intangible Assets | -13 | -33 | -82 | -42 | -89 |
Cash Acquisitions | -71 | -38 | -99 | 31 | - |
Investment in Securities | -747 | -20 | - | 90 | -1 |
Other Investing Activities | - | - | -122 | - | - |
Investing Cash Flow | -913 | -139 | 2,140 | 1 | -109 |
Financing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | 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 |
Long-Term Debt Issued | 2,000 | - | 1,000 | 1,000 | - |
Total Debt Issued | 2,000 | - | 1,000 | 1,000 | - |
Total Debt Repaid | -1,152 | -171 | -634 | -1,123 | -656 |
Net Debt Issued (Repaid) | 848 | -171 | 366 | -123 | -656 |
Repurchases of Common Stock | -145 | -161 | -221 | -237 | -120 |
Common Dividends Paid | -1,679 | -1,576 | -1,507 | -1,404 | -477 |
Other Financing Activities | -818 | -52 | -56 | -64 | -381 |
Financing Cash Flow | -1,794 | -1,960 | -3,335 | -2,688 | -1,634 |
Net Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | 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 |
Foreign Exchange Rate Adjustments | -43 | -15 | -40 | 35 | -28 |
Net Cash Flow | -302 | 1,566 | -568 | 891 | 113 |
Free Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | 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 |
Free Cash Flow | 2,366 | 3,594 | 478 | 3,465 | 1,865 |
Free Cash Flow Growth | -34.17% | 651.88% | -86.20% | 85.79% | - |
Free Cash Flow Margin | 3.86% | 6.34% | 1.14% | 8.10% | 6.12% |
Free Cash Flow Per Share | 21.44 | 32.45 | 4.34 | 31.40 | 16.84 |
Levered Free Cash Flow | 12,978 | 6,358 | 7,523 | 5,529 | 4,191 |
Unlevered Free Cash Flow | 14,764 | 7,873 | 7,797 | 5,731 | 4,387 |
Additional Metrics
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | 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 Interest Paid | 471 | 515 | 425 | 322 | 295 |
Cash Income Tax Paid | 2,322 | 2,036 | 1,220 | 1,545 | 626 |
Change in Working Capital | 7,184 | 3,455 | 4,897 | 5,722 | -392 |