Santam Ltd (JSE:SNT)

Santam Ratios and Metrics

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

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Apr 1, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	41,504	44,329	32,354	28,953	30,370	28,765
Market Cap Growth	35.86%	37.01%	11.74%	-4.67%	5.58%	-12.19%
Enterprise Value	41,360	44,203	32,815	29,142	30,751	27,478
PE Ratio	11.45	12.05	9.96	14.62	11.06	87.97
PS Ratio	0.88	0.94	0.77	0.68	1.00	1.02
PB Ratio	3.26	3.15	2.84	2.51	2.52	2.85
P/FCF Ratio	11.55	12.33	67.69	8.36	16.28	-
P/OCF Ratio	12.05	12.05	48.51	8.17	16.12	-
EV/Sales Ratio	0.88	0.94	0.78	0.68	1.01	0.97
EV/EBITDA Ratio	6.32	7.04	8.05	8.27	8.26	13.16
EV/EBIT Ratio	6.63	7.19	8.28	8.48	8.41	14.87
EV/FCF Ratio	11.51	12.30	68.65	8.41	16.49	-
Debt / Equity Ratio	0.35	0.35	0.40	0.34	0.35	0.47
Debt / EBITDA Ratio	0.76	0.76	1.08	1.07	1.09	2.27
Debt / FCF Ratio	1.36	1.36	9.55	1.14	2.28	-
Quick Ratio	0.49	0.49	0.42	0.42	0.40	0.51
Current Ratio	0.64	0.64	0.64	0.74	0.79	0.80
Asset Turnover	0.67	0.67	0.64	0.66	0.50	0.54
Return on Equity (ROE)	34.19%	34.19%	23.35%	17.72%	25.60%	4.28%
Return on Assets (ROA)	5.47%	5.47%	3.76%	3.30%	3.75%	2.19%
Return on Capital (ROIC)	21.98%	21.98%	15.75%	13.51%	14.68%	8.04%
Earnings Yield	8.86%	8.30%	10.04%	6.84%	9.04%	1.14%
Earnings Yield	8.86%	8.30%	10.04%	6.84%	9.04%	1.14%
FCF Yield	8.66%	8.11%	1.48%	11.97%	6.14%	-0.28%
Dividend Yield	4.07%	3.97%	5.25%	6.11%	5.86%	-
Payout Ratio	42.84%	42.84%	46.38%	70.93%	17.38%	242.51%
Buyback Yield / Dilution	-0.27%	-0.60%	0.24%	0.39%	0.12%	0.24%
Total Shareholder Return	3.80%	3.37%	5.50%	6.49%	5.97%	0.24%

Updated Mar 3, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.