Santam Ltd (JSE: SNT)

Santam Ratios and Metrics

Market cap in millions ZAR. Fiscal year is January - December.

Fiscal Year	Current	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Dec 20, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Market Capitalization	43,412	32,354	28,953	30,370	28,765	32,757
Market Cap Growth	14.28%	11.74%	-4.67%	5.58%	-12.19%	-2.13%
Enterprise Value	43,286	32,815	29,142	30,751	27,478	33,241
PE Ratio	14.19	9.96	14.62	11.06	87.97	14.90
PS Ratio	0.95	0.77	0.68	1.00	1.02	1.16
PB Ratio	3.71	2.84	2.51	2.52	2.85	3.26
P/FCF Ratio	16.52	67.69	8.36	16.28	-	11.52
P/OCF Ratio	13.04	48.51	8.17	16.12	-	11.31
EV/Sales Ratio	0.97	0.78	0.68	1.01	0.97	1.18
EV/EBITDA Ratio	7.91	8.04	8.27	8.26	13.16	8.97
EV/EBIT Ratio	8.30	8.28	8.48	8.41	14.87	9.21
EV/FCF Ratio	16.47	68.65	8.41	16.49	-	11.69
Debt / Equity Ratio	0.38	0.40	0.34	0.35	0.47	0.38
Debt / EBITDA Ratio	0.87	1.08	1.07	1.09	2.27	1.00
Debt / FCF Ratio	1.79	9.55	1.14	2.27	-	1.35
Quick Ratio	0.42	0.41	0.37	0.40	0.51	0.50
Current Ratio	0.64	0.64	0.67	0.79	0.80	0.76
Asset Turnover	0.65	0.64	0.66	0.50	0.54	0.60
Return on Equity (ROE)	27.97%	23.35%	17.72%	25.60%	4.28%	23.89%
Return on Assets (ROA)	4.73%	3.76%	3.30%	3.75%	2.19%	4.78%
Return on Capital (ROIC)	19.43%	15.75%	13.51%	14.68%	8.04%	17.29%
Earnings Yield	8.71%	10.05%	6.84%	9.04%	1.14%	6.71%
FCF Yield	6.05%	1.48%	11.97%	6.14%	-0.28%	8.68%
Dividend Yield	3.64%	5.11%	5.95%	5.71%	-	5.05%
Payout Ratio	42.70%	46.38%	70.93%	17.38%	242.51%	53.25%
Buyback Yield / Dilution	0.27%	0.24%	0.39%	0.12%	0.24%	0.04%
Total Shareholder Return	3.91%	5.36%	6.33%	5.82%	0.24%	5.10%

Source: S&P Capital IQ. Insurance template. Financial Sources.