Santam Ltd (NMSE:SNM)

Santam Statistics

Total Valuation

Santam has a market cap or net worth of NAD 44.74 billion. The enterprise value is 46.35 billion.

Market Cap	44.74B
Enterprise Value	46.35B

Important Dates

The last earnings date was Thursday, March 5, 2026.

Earnings Date	Mar 5, 2026
Ex-Dividend Date	Sep 17, 2025

Share Statistics

Current Share Class	109.24M
Shares Outstanding	n/a
Shares Change (YoY)	-0.33%
Shares Change (QoQ)	+0.27%
Owned by Insiders (%)	0.13%
Owned by Institutions (%)	78.35%
Float	36.56M

Valuation Ratios

The trailing PE ratio is 11.02 and the forward PE ratio is 9.90.

PE Ratio	11.02
Forward PE	9.90
PS Ratio	0.73
PB Ratio	2.70
P/TBV Ratio	3.18
P/FCF Ratio	18.91
P/OCF Ratio	18.28
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 4.07, with an EV/FCF ratio of 19.59.

EV / Earnings	11.42
EV / Sales	0.76
EV / EBITDA	4.07
EV / EBIT	4.18
EV / FCF	19.59

Financial Position

The company has a current ratio of 0.52, with a Debt / Equity ratio of 0.37.

Current Ratio	0.52
Quick Ratio	0.41
Debt / Equity	0.37
Debt / EBITDA	0.55
Debt / FCF	2.60
Interest Coverage	3.83

Financial Efficiency

Return on equity (ROE) is 33.08% and return on invested capital (ROIC) is 32.37%.

Return on Equity (ROE)	33.08%
Return on Assets (ROA)	8.78%
Return on Invested Capital (ROIC)	32.37%
Return on Capital Employed (ROCE)	41.20%
Weighted Average Cost of Capital (WACC)	n/a
Revenue Per Employee	10.13M
Profits Per Employee	671,638
Employee Count	5,990
Asset Turnover	0.79
Inventory Turnover	n/a

Taxes

In the past 12 months, Santam has paid 2.47 billion in taxes.

Income Tax	2.47B
Effective Tax Rate	32.79%

Stock Price Statistics

The stock price has increased by +6.21% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	+6.21%
50-Day Moving Average	430.08
200-Day Moving Average	422.36
Relative Strength Index (RSI)	39.20
Average Volume (20 Days)	280

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 NAD 61.23 billion and earned 4.06 billion in profits. Earnings per share was 36.78.

Revenue	61.23B
Gross Profit	12.16B
Operating Income	10.95B
Pretax Income	7.54B
Net Income	4.06B
EBITDA	11.08B
EBIT	10.95B
Earnings Per Share (EPS)	36.78

Balance Sheet

The company has 22.00 billion in cash and 6.16 billion in debt, with a net cash position of -73.99 million.

Cash & Cash Equivalents	22.00B
Total Debt	6.16B
Net Cash	-73.99M
Net Cash Per Share	n/a
Equity (Book Value)	16.58B
Book Value Per Share	137.74
Working Capital	-26.67B

Cash Flow

In the last 12 months, operating cash flow was 2.45 billion and capital expenditures -81.99 million, giving a free cash flow of 2.37 billion.

Operating Cash Flow	2.45B
Capital Expenditures	-81.99M
Free Cash Flow	2.37B
FCF Per Share	n/a

Margins

Gross margin is 19.85%, with operating and profit margins of 17.88% and 6.63%.

Gross Margin	19.85%
Operating Margin	17.88%
Pretax Margin	12.32%
Profit Margin	6.63%
EBITDA Margin	18.10%
EBIT Margin	17.88%
FCF Margin	3.86%

Dividends & Yields

This stock pays an annual dividend of 15.75, which amounts to a dividend yield of 3.85%.

Dividend Per Share	15.75
Dividend Yield	3.85%
Dividend Growth (YoY)	9.38%
Years of Dividend Growth	1
Payout Ratio	41.36%
Buyback Yield	0.33%
Shareholder Yield	4.18%
Earnings Yield	9.07%
FCF Yield	5.29%

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	5