Santam Ltd (JSE:SNT)
South Africa flag South Africa · Delayed Price · Currency is ZAR · Price in ZAc
37,788
-461 (-1.21%)
Sep 30, 2025, 5:00 PM SAST

Santam Statistics

Total Valuation

Santam has a market cap or net worth of ZAR 42.66 billion. The enterprise value is 45.84 billion.

Market Cap42.66B
Enterprise Value 45.84B

Important Dates

The next estimated earnings date is Tuesday, December 2, 2025.

Earnings Date Dec 2, 2025
Ex-Dividend Date Sep 17, 2025

Share Statistics

Santam has 112.90 million shares outstanding. The number of shares has increased by 0.40% in one year.

Current Share Class 112.90M
Shares Outstanding 112.90M
Shares Change (YoY) +0.40%
Shares Change (QoQ) -0.55%
Owned by Insiders (%) 0.13%
Owned by Institutions (%) 80.27%
Float 40.23M

Valuation Ratios

The trailing PE ratio is 10.43 and the forward PE ratio is 9.93. Santam's PEG ratio is 2.18.

PE Ratio 10.43
Forward PE 9.93
PS Ratio 0.85
PB Ratio 2.84
P/TBV Ratio 3.38
P/FCF Ratio 10.08
P/OCF Ratio 9.78
PEG Ratio 2.18
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 5.85, with an EV/FCF ratio of 10.83.

EV / Earnings 11.44
EV / Sales 0.92
EV / EBITDA 5.85
EV / EBIT 6.06
EV / FCF 10.83

Financial Position

The company has a current ratio of 0.81, with a Debt / Equity ratio of 0.56.

Current Ratio 0.81
Quick Ratio 0.63
Debt / Equity 0.56
Debt / EBITDA 1.09
Debt / FCF 1.99
Interest Coverage 14.35

Financial Efficiency

Return on equity (ROE) is 35.19% and return on invested capital (ROIC) is 23.03%.

Return on Equity (ROE) 35.19%
Return on Assets (ROA) 6.41%
Return on Invested Capital (ROIC) 23.03%
Return on Capital Employed (ROCE) 21.70%
Revenue Per Employee 8.28M
Profits Per Employee 662,916
Employee Count 6,043
Asset Turnover 0.69
Inventory Turnover n/a

Taxes

In the past 12 months, Santam has paid 1.99 billion in taxes.

Income Tax 1.99B
Effective Tax Rate 29.25%

Stock Price Statistics

The stock price has increased by +3.58% in the last 52 weeks. The beta is 0.35, so Santam's price volatility has been lower than the market average.

Beta (5Y) 0.35
52-Week Price Change +3.58%
50-Day Moving Average 42,421.06
200-Day Moving Average 40,466.81
Relative Strength Index (RSI) 14.87
Average Volume (20 Days) 110,077

Short Selling Information

Short Interest n/a
Short Previous Month n/a
Short % of Shares Out n/a
Short % of Float n/a
Short Ratio (days to cover) n/a

Income Statement

In the last 12 months, Santam had revenue of ZAR 50.03 billion and earned 4.01 billion in profits. Earnings per share was 36.24.

Revenue50.03B
Gross Profit 8.52B
Operating Income 7.46B
Pretax Income 6.80B
Net Income 4.01B
EBITDA 7.57B
EBIT 7.46B
Earnings Per Share (EPS) 36.24
Full Income Statement

Balance Sheet

The company has 25.74 billion in cash and 8.44 billion in debt, giving a net cash position of -1.82 billion or -16.13 per share.

Cash & Cash Equivalents 25.74B
Total Debt 8.44B
Net Cash -1.82B
Net Cash Per Share -16.13
Equity (Book Value) 15.01B
Book Value Per Share 125.01
Working Capital -7.98B
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 4.36 billion and capital expenditures -127.00 million, giving a free cash flow of 4.23 billion.

Operating Cash Flow 4.36B
Capital Expenditures -127.00M
Free Cash Flow 4.23B
FCF Per Share 37.50
Full Cash Flow Statement

Margins

Gross margin is 17.02%, with operating and profit margins of 14.91% and 8.01%.

Gross Margin 17.02%
Operating Margin 14.91%
Pretax Margin 13.59%
Profit Margin 8.01%
EBITDA Margin 15.12%
EBIT Margin 14.91%
FCF Margin 8.46%

Dividends & Yields

This stock pays an annual dividend of 15.20, which amounts to a dividend yield of 4.02%.

Dividend Per Share 15.20
Dividend Yield 4.02%
Dividend Growth (YoY) 9.38%
Years of Dividend Growth n/a
Payout Ratio 40.26%
Buyback Yield -0.40%
Shareholder Yield 3.58%
Earnings Yield 9.39%
FCF Yield 9.92%
Dividend Details

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date n/a
Split Type n/a
Split Ratio n/a

Scores

Altman Z-Score n/a
Piotroski F-Score 6