Santam Ltd (NMSE: SNM)

Santam Ratios and Metrics

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

Fiscal Year	Current	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Nov 14, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Market Capitalization	43,456	32,738	28,877	30,364	28,753	32,722
Market Cap Growth	14.41%	13.37%	-4.90%	5.60%	-12.13%	-2.13%
Enterprise Value	43,330	33,205	29,066	30,745	27,467	33,206
PE Ratio	-	9.96	14.62	11.06	87.97	14.90
PS Ratio	0.83	0.77	0.68	1.00	1.02	1.16
PB Ratio	2.98	2.84	2.51	2.52	2.85	3.26
P/FCF Ratio	13.99	67.69	8.36	16.28	-	11.52
P/OCF Ratio	13.04	48.51	8.17	16.12	-	11.31
EV/Sales Ratio	0.98	0.78	0.68	1.01	0.97	1.18
EV/EBITDA Ratio	7.92	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	16.49	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	8.70%	10.05%	6.84%	9.04%	1.14%	6.71%
FCF Yield	7.15%	1.48%	11.97%	6.14%	-0.28%	8.68%
Dividend Yield	4.49%	5.11%	5.95%	5.70%	-	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	0.27%	5.36%	6.33%	5.82%	0.24%	5.10%

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