Sanlam Limited Logo

Sanlam Limited

SLM.JO

(2.5)
Stock Price

8.825,00 ZAc

2.73% ROA

31.64% ROE

6.44x PER

Market Cap.

169.777.854.500,00 ZAc

15.5% DER

4.65% Yield

7.92% NPM

Sanlam Limited Stock Analysis

Sanlam Limited Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Sanlam Limited Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a low debt to equity ratio (11%), which means it has a small amount of debt compared to the ownership it holds

2 Dividend

Investors can take comfort in the company's unwavering commitment to dividends, as it has consistently distributed payouts over the past five years, ensuring a reliable income stream.

3 ROE

The stock's ROE falls within an average range (10.26%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (0.59%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

5 PBV

The stock's PBV ratio (1.68x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

6 Revenue Growth

This company's revenue has shown remarkable growth over the past three years, making it an excellent choice for seeking a consistently prosperous investment.

7 Net Profit Growth

Over the last three years, this company has consistently achieved net profit growth, indicating a favorable financial performance and making it an attractive investment option.

8 Dividend Growth

Investors can be encouraged by the company's strong dividend growth over the past three years, highlighting its ability to generate consistent returns and provide an attractive investment opportunity.

9 Assets Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

10 Graham Number

The company's Graham number indicates that it is overvalued compared to its stock price, suggesting a potentially unfavorable investment opportunity.

11 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is overpriced (2.871), presenting a possible disadvantage for investors as its market price surpasses its estimated intrinsic value.

Sanlam Limited Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Sanlam Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Sanlam Limited Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Sanlam Limited Revenue
Year Revenue Growth
2002 402.000.000
2003 48.883.000.000 99.18%
2004 16.066.000.000 -204.26%
2005 63.307.000.000 74.62%
2006 69.960.000.000 9.51%
2007 52.504.000.000 -33.25%
2008 19.700.000.000 -166.52%
2009 60.671.000.000 67.53%
2010 67.285.000.000 9.83%
2011 54.278.000.000 -23.96%
2012 88.765.000.000 38.85%
2013 102.069.000.000 13.03%
2014 92.165.000.000 -10.75%
2015 85.394.000.000 -7.93%
2016 86.801.000.000 1.62%
2017 114.110.000.000 23.93%
2018 77.885.000.000 -46.51%
2019 147.700.000.000 47.27%
2020 131.397.000.000 -12.41%
2021 199.813.000.000 34.24%
2022 22.962.000.000 -770.19%
2023 206.220.000.000 88.87%
2024 387.176.000.000 46.74%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Sanlam Limited Research and Development Expenses
Year Research and Development Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Sanlam Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2002 0
2003 0 0%
2004 4.633.000.000 100%
2005 0 0%
2006 0 0%
2007 6.385.000.000 100%
2008 6.945.000.000 8.06%
2009 7.138.000.000 2.7%
2010 8.420.000.000 15.23%
2011 9.228.000.000 8.76%
2012 10.416.000.000 11.41%
2013 12.593.000.000 17.29%
2014 14.369.000.000 12.36%
2015 15.755.000.000 8.8%
2016 16.591.000.000 5.04%
2017 17.447.000.000 4.91%
2018 21.562.000.000 19.08%
2019 27.805.000.000 22.45%
2020 27.882.000.000 0.28%
2021 28.446.000.000 1.98%
2022 24.263.000.000 -17.24%
2023 17.232.000.000 -40.8%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Sanlam Limited EBITDA
Year EBITDA Growth
2002 2.149.000.000
2003 2.405.000.000 10.64%
2004 3.283.000.000 26.74%
2005 15.030.000.000 78.16%
2006 11.301.000.000 -33%
2007 8.923.000.000 -26.65%
2008 3.635.000.000 -145.47%
2009 7.503.000.000 51.55%
2010 9.841.000.000 23.76%
2011 9.226.000.000 -6.67%
2012 10.205.000.000 9.59%
2013 12.667.000.000 19.44%
2014 13.335.000.000 5.01%
2015 14.593.000.000 8.62%
2016 13.821.000.000 -5.59%
2017 16.735.000.000 17.41%
2018 17.817.000.000 6.07%
2019 14.225.000.000 -25.25%
2020 8.135.000.000 -74.86%
2021 14.365.000.000 43.37%
2022 17.595.000.000 18.36%
2023 5.027.000.000 -250.01%
2024 10.784.000.000 53.38%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Sanlam Limited Gross Profit
Year Gross Profit Growth
2002 402.000.000
2003 48.883.000.000 99.18%
2004 16.066.000.000 -204.26%
2005 63.307.000.000 74.62%
2006 69.960.000.000 9.51%
2007 52.504.000.000 -33.25%
2008 19.700.000.000 -166.52%
2009 60.671.000.000 67.53%
2010 67.285.000.000 9.83%
2011 54.278.000.000 -23.96%
2012 88.765.000.000 38.85%
2013 102.069.000.000 13.03%
2014 92.165.000.000 -10.75%
2015 85.394.000.000 -7.93%
2016 86.801.000.000 1.62%
2017 114.110.000.000 23.93%
2018 77.885.000.000 -46.51%
2019 147.700.000.000 47.27%
2020 131.397.000.000 -12.41%
2021 199.813.000.000 34.24%
2022 22.962.000.000 -770.19%
2023 206.220.000.000 88.87%
2024 387.176.000.000 46.74%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Sanlam Limited Net Profit
Year Net Profit Growth
2002 1.600.000.000
2003 1.681.000.000 4.82%
2004 3.283.000.000 48.8%
2005 12.091.000.000 72.85%
2006 8.096.000.000 -49.35%
2007 6.379.000.000 -26.92%
2008 2.937.000.000 -117.19%
2009 5.081.000.000 42.2%
2010 6.515.000.000 22.01%
2011 6.065.000.000 -7.42%
2012 5.655.000.000 -7.25%
2013 8.131.000.000 30.45%
2014 8.729.000.000 6.85%
2015 9.391.000.000 7.05%
2016 9.623.000.000 2.41%
2017 10.923.000.000 11.9%
2018 11.627.000.000 6.05%
2019 7.150.000.000 -62.62%
2020 2.863.000.000 -149.74%
2021 13.808.000.000 79.27%
2022 35.584.000.000 61.2%
2023 14.478.000.000 -145.78%
2024 39.728.000.000 63.56%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Sanlam Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2002 0
2003 721 100%
2004 1 -72000%
2005 4 75%
2006 3 -33.33%
2007 3 -50%
2008 1 -100%
2009 2 50%
2010 3 0%
2011 3 0%
2012 3 0%
2013 4 50%
2014 4 0%
2015 5 0%
2016 5 0%
2017 5 20%
2018 6 0%
2019 3 -66.67%
2020 1 -200%
2021 7 83.33%
2022 17 64.71%
2023 7 -142.86%
2024 19 63.16%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Sanlam Limited Free Cashflow
Year Free Cashflow Growth
2002 3.192.000.000
2003 748.000.000 -326.74%
2004 62.000.000 -1106.45%
2005 1.938.000.000 96.8%
2006 -5.436.000.000 135.65%
2007 30.000.000 18220%
2008 6.810.000.000 99.56%
2009 3.993.000.000 -70.55%
2010 904.000.000 -341.7%
2011 18.929.000.000 95.22%
2012 11.002.000.000 -72.05%
2013 10.372.000.000 -6.07%
2014 35.944.000.000 71.14%
2015 31.997.000.000 -12.34%
2016 14.142.000.000 -126.26%
2017 23.097.000.000 38.77%
2018 10.760.000.000 -114.66%
2019 6.645.000.000 -61.93%
2020 -6.819.000.000 197.45%
2021 -2.036.000.000 -234.92%
2022 5.584.000.000 136.46%
2023 -30.373.000.000 118.38%
2024 21.061.000.000 244.21%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Sanlam Limited Operating Cashflow
Year Operating Cashflow Growth
2002 3.192.000.000
2003 748.000.000 -326.74%
2004 62.000.000 -1106.45%
2005 1.938.000.000 96.8%
2006 -5.436.000.000 135.65%
2007 30.000.000 18220%
2008 6.810.000.000 99.56%
2009 3.993.000.000 -70.55%
2010 904.000.000 -341.7%
2011 18.929.000.000 95.22%
2012 11.002.000.000 -72.05%
2013 10.372.000.000 -6.07%
2014 35.944.000.000 71.14%
2015 32.593.000.000 -10.28%
2016 14.428.000.000 -125.9%
2017 23.402.000.000 38.35%
2018 10.760.000.000 -117.49%
2019 6.645.000.000 -61.93%
2020 -6.082.000.000 209.26%
2021 -1.450.000.000 -319.45%
2022 6.814.000.000 121.28%
2023 -29.274.000.000 123.28%
2024 21.472.000.000 236.34%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Sanlam Limited Capital Expenditure
Year Capital Expenditure Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 596.000.000 100%
2016 286.000.000 -108.39%
2017 305.000.000 6.23%
2018 0 0%
2019 0 0%
2020 737.000.000 100%
2021 586.000.000 -25.77%
2022 1.230.000.000 52.36%
2023 1.099.000.000 -11.92%
2024 411.000.000 -167.4%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Sanlam Limited Equity
Year Equity Growth
2002 22.275.000.000
2003 23.618.000.000 5.69%
2004 30.438.000.000 22.41%
2005 28.463.000.000 -6.94%
2006 33.055.000.000 13.89%
2007 31.554.000.000 -4.76%
2008 30.247.000.000 -4.32%
2009 32.672.000.000 7.42%
2010 34.386.000.000 4.98%
2011 36.868.000.000 6.73%
2012 39.889.000.000 7.57%
2013 44.616.000.000 10.59%
2014 51.235.000.000 12.92%
2015 60.192.000.000 14.88%
2016 59.086.000.000 -1.87%
2017 63.437.000.000 6.86%
2018 81.617.000.000 22.27%
2019 79.360.000.000 -2.84%
2020 77.224.000.000 -2.77%
2021 82.896.000.000 6.84%
2022 84.942.000.000 2.41%
2023 96.905.000.000 12.35%
2023 100.904.000.000 3.96%
2024 97.636.000.000 -3.35%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Sanlam Limited Assets
Year Assets Growth
2002 183.557.000.000
2003 196.056.000.000 6.38%
2004 228.024.000.000 14.02%
2005 276.712.000.000 17.6%
2006 335.482.000.000 17.52%
2007 340.265.000.000 1.41%
2008 317.908.000.000 -7.03%
2009 334.829.000.000 5.05%
2010 361.191.000.000 7.3%
2011 382.203.000.000 5.5%
2012 443.564.000.000 13.83%
2013 561.304.000.000 20.98%
2014 611.253.000.000 8.17%
2015 674.508.000.000 9.38%
2016 672.559.000.000 -0.29%
2017 733.583.000.000 8.32%
2018 815.601.000.000 10.06%
2019 900.229.000.000 9.4%
2020 943.796.000.000 4.62%
2021 1.056.178.000.000 10.64%
2022 1.006.586.000.000 -4.93%
2023 975.304.000.000 -3.21%
2023 1.047.349.000.000 6.88%
2024 1.024.203.000.000 -2.26%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Sanlam Limited Liabilities
Year Liabilities Growth
2002 161.282.000.000
2003 172.438.000.000 6.47%
2004 197.586.000.000 12.73%
2005 248.249.000.000 20.41%
2006 302.427.000.000 17.91%
2007 308.711.000.000 2.04%
2008 287.661.000.000 -7.32%
2009 302.157.000.000 4.8%
2010 326.805.000.000 7.54%
2011 345.335.000.000 5.37%
2012 403.675.000.000 14.45%
2013 516.688.000.000 21.87%
2014 560.018.000.000 7.74%
2015 614.316.000.000 8.84%
2016 613.473.000.000 -0.14%
2017 670.146.000.000 8.46%
2018 733.984.000.000 8.7%
2019 820.869.000.000 10.58%
2020 866.572.000.000 5.27%
2021 973.282.000.000 10.96%
2022 921.644.000.000 -5.6%
2023 878.399.000.000 -4.92%
2023 946.445.000.000 7.19%
2024 926.567.000.000 -2.15%

Sanlam Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
168.47
Net Income per Share
13.34
Price to Earning Ratio
6.44x
Price To Sales Ratio
0.48x
POCF Ratio
-11.93
PFCF Ratio
-10.14
Price to Book Ratio
2.01
EV to Sales
0.45
EV Over EBITDA
-3.19
EV to Operating CashFlow
-10.48
EV to FreeCashFlow
-9.38
Earnings Yield
0.16
FreeCashFlow Yield
-0.1
Market Cap
169,78 Bil.
Enterprise Value
157,06 Bil.
Graham Number
113.2
Graham NetNet
-423.82

Income Statement Metrics

Net Income per Share
13.34
Income Quality
-0.61
ROE
0.32
Return On Assets
0.03
Return On Capital Employed
0.07
Net Income per EBT
0.78
EBT Per Ebit
0.52
Ebit per Revenue
0.2
Effective Tax Rate
0.37

Margins

Sales, General, & Administrative to Revenue
0.04
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.2
Pretax Profit Margin
0.1
Net Profit Margin
0.08

Dividends

Dividend Yield
0.05
Dividend Yield %
4.65
Payout Ratio
0.69
Dividend Per Share
4

Operating Metrics

Operating Cashflow per Share
-7.21
Free CashFlow per Share
-8.05
Capex to Operating CashFlow
-0.12
Capex to Revenue
0.01
Capex to Depreciation
0.8
Return on Invested Capital
0.42
Return on Tangible Assets
0.03
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.84

Balance Sheet

Cash per Share
21,88
Book Value per Share
46,97
Tangible Book Value per Share
43.91
Shareholders Equity per Share
42.68
Interest Debt per Share
7.74
Debt to Equity
0.16
Debt to Assets
0.01
Net Debt to EBITDA
0.26
Current Ratio
2
Tangible Asset Value
91,29 Bil.
Net Current Asset Value
-784,25 Bil.
Invested Capital
80817000000
Working Capital
71,13 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,00 Bil.
Average Payables
126,20 Bil.
Average Inventory
0
Debt to Market Cap
0.08

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Sanlam Limited Dividends
Year Dividends Growth
2000 15
2001 30 50%
2002 35 14.29%
2003 37 5.41%
2004 40 7.5%
2005 50 20%
2006 65 23.08%
2007 77 15.58%
2008 93 17.2%
2009 98 5.1%
2010 104 5.77%
2011 115 9.57%
2012 130 11.54%
2013 50 -160%
2014 200 75%
2015 225 11.11%
2016 245 8.16%
2017 268 8.58%
2018 290 7.59%
2019 312 7.05%
2020 334 6.59%
2021 300 -11.33%
2022 334 10.18%
2023 360 7.22%
2024 400 10%

Sanlam Limited Profile

About Sanlam Limited

Sanlam Limited provides various financial solutions to individual, business, and institutional clients in South Africa, rest of Africa, and internationally. The company operates through Sanlam Life and Savings, Sanlam Emerging Markets, Sanlam Investment Group, and Santam segments. It offers life, disability, severe illness, income protection, funeral, credit life, health, short-term, medical, and group risk benefits, business debt, commercial insurance products; reinsurance products; financial planning and retirement, personal motor and property, solutions; investment products; wealth, and professionals and graduates insurance services; and personal and home loans, and credit cards. The company also provides payment and debit cards order collection, corporate credit, debt and equity structuring, business advice, risk management, and employee health and retirement plans for small and medium businesses, and self-employed professionals. The company was founded in 1918 and is headquartered in Bellville, South Africa.

CEO
Mr. Paul Brendan Hanratty F.I.
Employee
22.320
Address
2 Strand Road
Bellville, 7530

Sanlam Limited Executives & BODs

Sanlam Limited Executives & BODs
# Name Age
1 Mr. Christiaan J. van Dyk
Chief Executive of Fintech
70
2 Mr. Heinie Carl Werth B Acc CA(SA), M.B.A.
Chief Executive Officer of SAZ JV
70
3 Mr. Bongani Madikiza
Chief Executive Officer of SA Retail Mass
70
4 Mr. Carl Roothman
Chief Executive Officer of Sanlam Investment Group
70
5 Mr. Theo Mabaso
Group Chief Information Officer of Group Exco
70
6 Ms. Kanyisa Mkhize
Chief Executive Officer of Corporate
70
7 Mr. Anton Gildenhuys
Chief Executive Officer of SA Retail Affluent
70
8 Mr. Karl-Bart Xhanti Thomas Socikwa BCom, IPBM(IMD), LLB, MAP
Group Executive of Market Development
70
9 Ms. Abigail Muelelwa Mukhuba B.Com., C.A., M.B.A.
Finance Director & Executive Director
70
10 Mr. Paul Brendan Hanratty F.I.A.
Group Chief Executive Officer & Executive Director
70

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