Santam Ltd (JSE:SNT)
South Africa · Delayed Price · Currency is ZAR · Price in ZAc 39,875
-360 (-0.89%)
Aug 21, 2026, 5:00 PM SAST
Santam Income Statement
Financials in millions ZAR. Fiscal year is January - December.
Millions ZAR. Fiscal year is Jan - Dec.
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 |
Premiums & Annuity Revenue | 56,127 | 52,317 | 46,882 | 43,082 | 26,584 |
Total Interest & Dividend Income | 2,807 | 2,497 | 736 | 1,565 | 727 |
Gain (Loss) on Sale of Investments | 1,949 | 1,536 | 746 | -550 | 732 |
Other Revenue | 353 | 364 | -6,371 | -1,341 | 2,419 |
| 61,236 | 56,714 | 41,993 | 42,756 | 30,462 | |
Revenue Growth | 7.97% | 35.06% | -1.79% | 40.36% | 7.79% |
Policy Benefits | 49,079 | 47,805 | 37,230 | 38,694 | 16,405 |
Policy Acquisition & Underwriting Costs | - | - | - | - | 5,539 |
Amortization of Goodwill & Intangibles | 69 | 217 | 77 | 105 | 68 |
Selling, General & Administrative | - | - | - | - | 4,794 |
Other Operating Expenses | 1,139 | 843 | 722 | 521 | - |
Total Operating Expenses | 50,287 | 48,865 | 38,029 | 39,320 | 26,806 |
Operating Income | 10,949 | 7,849 | 3,964 | 3,436 | 3,656 |
Interest Expense | -2,858 | -2,424 | -438 | -323 | -313 |
Earnings From Equity Investments | 147 | 88 | 81 | 68 | 70 |
Currency Exchange Gain (Loss) | -695 | 131 | 540 | 176 | 302 |
EBT Excluding Unusual Items | 7,543 | 5,644 | 4,147 | 3,357 | 3,715 |
Pretax Income | 7,543 | 5,644 | 4,147 | 3,357 | 3,715 |
Income Tax Expense | 2,473 | 1,288 | 1,469 | 1,266 | 879 |
Earnings From Continuing Ops. | 5,070 | 4,356 | 2,678 | 2,091 | 2,836 |
Earnings From Discontinued Ops. | - | - | 705 | -14 | 8 |
Net Income to Company | 5,070 | 4,356 | 3,383 | 2,077 | 2,844 |
Minority Interest in Earnings | -1,011 | -677 | -133 | -97 | -99 |
Net Income | 4,059 | 3,679 | 3,250 | 1,980 | 2,745 |
Net Income to Common | 4,059 | 3,679 | 3,250 | 1,980 | 2,745 |
Net Income Growth | 10.33% | 13.20% | 64.14% | -27.87% | 739.45% |
Shares Outstanding (Basic) | 109 | 110 | 109 | 110 | 110 |
Shares Outstanding (Diluted) | 110 | 111 | 110 | 110 | 111 |
Shares Change | -0.33% | 0.60% | -0.24% | -0.39% | -0.12% |
EPS (Basic) | 37.17 | 33.56 | 29.73 | 18.06 | 24.91 |
EPS (Diluted) | 36.78 | 33.22 | 29.52 | 17.94 | 24.78 |
EPS Growth | 10.72% | 12.52% | 64.54% | -27.60% | 740.08% |
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 |
Free Cash Flow | 2,366 | 3,594 | 478 | 3,465 | 1,865 |
Free Cash Flow Per Share | 21.44 | 32.45 | 4.34 | 31.40 | 16.84 |
Dividend Per Share | 16.800 | 15.200 | 14.000 | 13.070 | 12.220 |
Dividend Growth | 10.53% | 8.57% | 7.12% | 6.96% | - |
Operating Margin | 17.88% | 13.84% | 9.44% | 8.04% | 12.00% |
Profit Margin | 6.63% | 6.49% | 7.74% | 4.63% | 9.01% |
Free Cash Flow Margin | 3.86% | 6.34% | 1.14% | 8.10% | 6.12% |
EBITDA | 11,082 | 8,155 | 4,079 | 3,524 | 3,723 |
EBITDA Margin | 18.10% | 14.38% | 9.71% | 8.24% | 12.22% |
D&A For EBITDA | 133 | 306 | 115 | 88 | 67 |
EBIT | 10,949 | 7,849 | 3,964 | 3,436 | 3,656 |
EBIT Margin | 17.88% | 13.84% | 9.44% | 8.04% | 12.00% |
Effective Tax Rate | 32.78% | 22.82% | 35.42% | 37.71% | 23.66% |
Revenue as Reported | - | - | - | - | 31,839 |