Santam Ltd (NMSE:SNM)

Santam Statistics

Total Valuation

Santam has a market cap or net worth of NAD 43.00 billion. The enterprise value is 46.19 billion.

Market Cap	43.00B
Enterprise Value	46.19B

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

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

Valuation Ratios

The trailing PE ratio is 10.74 and the forward PE ratio is 10.08.

PE Ratio	10.74
Forward PE	10.08
PS Ratio	0.86
PB Ratio	2.87
P/TBV Ratio	3.41
P/FCF Ratio	10.16
P/OCF Ratio	9.86
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 5.88, with an EV/FCF ratio of 10.91.

EV / Earnings	11.53
EV / Sales	0.92
EV / EBITDA	5.88
EV / EBIT	6.09
EV / FCF	10.91

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	662,815
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 +4.33% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	+4.33%
50-Day Moving Average	418.78
200-Day Moving Average	404.56
Relative Strength Index (RSI)	22.22
Average Volume (20 Days)	1,212

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 50.03 billion and earned 4.01 billion in profits. Earnings per share was 36.23.

Revenue	50.03B
Gross Profit	8.51B
Operating Income	7.46B
Pretax Income	6.80B
Net Income	4.01B
EBITDA	7.56B
EBIT	7.46B
Earnings Per Share (EPS)	36.23

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.

Cash & Cash Equivalents	25.74B
Total Debt	8.44B
Net Cash	-1.82B
Net Cash Per Share	n/a
Equity (Book Value)	15.01B
Book Value Per Share	124.99
Working Capital	-7.98B

Cash Flow

In the last 12 months, operating cash flow was 4.36 billion and capital expenditures -126.98 million, giving a free cash flow of 4.23 billion.

Operating Cash Flow	4.36B
Capital Expenditures	-126.98M
Free Cash Flow	4.23B
FCF Per Share	n/a

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 15.75, which amounts to a dividend yield of 4.15%.

Dividend Per Share	15.75
Dividend Yield	4.15%
Dividend Growth (YoY)	9.38%
Years of Dividend Growth	n/a
Payout Ratio	40.26%
Buyback Yield	-0.40%
Shareholder Yield	3.75%
Earnings Yield	9.31%
FCF Yield	9.84%

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