Santam Ltd (JSE:SNT)
South Africa · Delayed Price · Currency is ZAR · Price in ZAc 47,500
+7,603 (19.06%)
Oct 5, 2026, 5:00 PM SAST
Santam Ratios and Metrics
Market cap in millions ZAR. Fiscal year is January - December.
Millions ZAR. Fiscal year is Jan - Dec.
Total Valuation
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Oct '26 Oct 5, 2026 | 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 |
| 51,887 | 48,259 | 44,329 | 32,354 | 28,953 | 30,370 | |
Market Cap Growth | 20.77% | 8.87% | 37.01% | 11.74% | -4.67% | 5.58% |
Enterprise Value | 56,925 | 51,441 | 44,203 | 32,815 | 29,142 | 30,751 |
Price Ratios
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Oct '26 Oct 5, 2026 | 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 |
PE Ratio | 12.45 | 11.89 | 12.05 | 9.96 | 14.62 | 11.06 |
PS Ratio | 0.82 | 0.79 | 0.78 | 0.77 | 0.68 | 1.00 |
PB Ratio | 2.98 | 2.91 | 3.15 | 2.84 | 2.51 | 2.52 |
P/FCF Ratio | 27.81 | 20.40 | 12.33 | 67.69 | 8.36 | 16.28 |
P/OCF Ratio | 27.15 | 19.71 | 12.05 | 48.51 | 8.17 | 16.12 |
EV Ratios
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Oct '26 Oct 5, 2026 | 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 |
EV/Sales Ratio | 0.90 | 0.84 | 0.78 | 0.78 | 0.68 | 1.01 |
EV/EBITDA Ratio | 4.89 | 4.64 | 5.42 | 8.05 | 8.27 | 8.26 |
EV/EBIT Ratio | 5.02 | 4.70 | 5.63 | 8.28 | 8.48 | 8.41 |
EV/FCF Ratio | 30.51 | 21.74 | 12.30 | 68.65 | 8.41 | 16.49 |
Financial Efficiency
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Oct '26 Oct 5, 2026 | 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 |
Debt / Equity Ratio | 0.57 | 0.37 | 0.35 | 0.40 | 0.34 | 0.35 |
Debt / EBITDA Ratio | 0.87 | 0.55 | 0.60 | 1.08 | 1.07 | 1.09 |
Debt / FCF Ratio | 5.35 | 2.60 | 1.36 | 9.55 | 1.14 | 2.28 |
Net Debt / Equity Ratio | 0.20 | 0.00 | -0.10 | -0.02 | -0.12 | -0.02 |
Net Debt / EBITDA Ratio | 0.31 | 0.01 | -0.18 | -0.06 | -0.41 | -0.07 |
Net Debt / FCF Ratio | 1.87 | 0.03 | -0.41 | -0.53 | -0.42 | -0.14 |
Quick Ratio | 0.49 | 0.41 | 0.49 | 0.42 | 0.42 | 0.40 |
Current Ratio | 0.66 | 0.52 | 0.64 | 0.64 | 0.74 | 0.79 |
Asset Turnover | 0.79 | 0.79 | 0.81 | 0.64 | 0.66 | 0.50 |
Return on Equity (ROE) | 32.97% | 33.08% | 34.19% | 23.35% | 17.72% | 25.60% |
Return on Assets (ROA) | 8.65% | 8.78% | 6.98% | 3.76% | 3.30% | 3.75% |
Return on Invested Capital (ROIC) | 27.13% | 35.29% | 34.66% | 16.28% | 13.47% | 17.93% |
Yields
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Oct '26 Oct 5, 2026 | 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 |
Earnings Yield | 8.11% | 8.41% | 8.30% | 10.04% | 6.84% | 9.04% |
FCF Yield | 3.60% | 4.90% | 8.11% | 1.48% | 11.97% | 6.14% |
Dividend Yield | 3.54% | 4.11% | 4.21% | 5.56% | 6.47% | 6.21% |
Payout Ratio | 43.79% | 41.37% | 42.84% | 46.38% | 70.93% | 17.38% |
Buyback Yield / Dilution | 0.18% | 0.33% | -0.60% | 0.24% | 0.39% | 0.12% |
Total Shareholder Return | 3.72% | 4.44% | 3.61% | 5.81% | 6.86% | 6.32% |