Santam Ltd Logo

Santam Ltd

SNT.JO

(2.5)
Stock Price

37.193,00 ZAc

17.85% ROA

45.51% ROE

8.12x PER

Market Cap.

40.141.064.624,00 ZAc

26.94% DER

3.92% Yield

6.39% NPM

Santam Ltd Stock Analysis

Santam Ltd 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.

Santam Ltd Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a low debt to equity ratio (34%), which means it has a small amount of debt compared to the ownership it holds

2 Revenue Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

3 Dividend

Investors can trust the company's impressive dividend track record, consistently distributing dividends over the past five years, showcasing a strong commitment to rewarding shareholders.

4 ROE

ROE in an average range (12.74%) suggests satisfactory profitability and decent utilization of shareholders' equity.

5 ROA

The stock's ROA (1.61%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 PBV

The stock's PBV ratio (2.81x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

7 Dividend Growth

Investors can take confidence in the company's impressive track record of annual dividend growth over the last three years, showcasing a commitment to providing higher returns.

8 Net Profit Growth

Over the past five years, this company's net profit has failed to exhibit any growth, indicating a stagnant financial performance and making it a less favorable choice for potential investors.

9 Assets Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

10 Graham Number

The Graham number analysis indicates that this company's stock price is likely overpriced, raising concerns about its investment potential.

11 Buffet Intrinsic Value

The company's stock presents a potential concern as it appears overvalued (10.934) by Warren Buffett's formula, indicating that its market price exceeds its estimated intrinsic value.

Santam Ltd 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.

Santam Ltd Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

Santam Ltd 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.

Santam Ltd Revenue
Year Revenue Growth
2002 5.841.215.000
2003 7.446.271.000 21.56%
2004 9.000.000.000 17.26%
2005 19.912.000.000 54.8%
2006 10.906.000.000 -82.58%
2007 12.142.000.000 10.18%
2008 12.284.000.000 1.16%
2009 14.291.000.000 14.04%
2010 15.177.000.000 5.84%
2011 15.838.000.000 4.17%
2012 17.481.000.000 9.4%
2013 18.582.000.000 5.93%
2014 19.432.000.000 4.37%
2015 21.151.000.000 8.13%
2016 21.925.000.000 3.53%
2017 24.341.000.000 9.93%
2018 26.157.000.000 6.94%
2019 27.912.000.000 6.29%
2020 28.358.000.000 1.57%
2021 30.764.000.000 7.82%
2022 32.387.000.000 5.01%
2023 48.961.000.000 33.85%
2024 108.112.000.000 54.71%

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.

Santam Ltd 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.

Santam Ltd General and Administrative Expenses
Year General and Administrative Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 1.289.000.000 100%
2008 1.322.000.000 2.5%
2009 0 0%
2010 1.677.000.000 100%
2011 2.142.000.000 21.71%
2012 31.000.000 -6809.68%
2013 29.000.000 -6.9%
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%

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.

Santam Ltd EBITDA
Year EBITDA Growth
2002 450.227.000
2003 1.243.240.000 63.79%
2004 2.423.000.000 48.69%
2005 2.333.000.000 -3.86%
2006 2.489.000.000 6.27%
2007 1.639.000.000 -51.86%
2008 937.000.000 -74.92%
2009 1.657.000.000 43.45%
2010 2.591.000.000 36.05%
2011 2.091.000.000 -23.91%
2012 1.873.000.000 -11.64%
2013 1.686.000.000 -11.09%
2014 2.430.000.000 30.62%
2015 3.480.000.000 30.17%
2016 1.999.000.000 -74.09%
2017 2.565.000.000 22.07%
2018 3.871.000.000 33.74%
2019 1.660.000.000 -133.19%
2020 -535.000.000 410.28%
2021 2.130.000.000 125.12%
2022 3.987.000.000 46.58%
2023 978.000.000 -307.67%
2024 -564.000.000 273.4%

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.

Santam Ltd Gross Profit
Year Gross Profit Growth
2002 5.841.215.000
2003 7.446.271.000 21.56%
2004 9.000.000.000 17.26%
2005 19.912.000.000 54.8%
2006 10.906.000.000 -82.58%
2007 12.142.000.000 10.18%
2008 12.284.000.000 1.16%
2009 14.291.000.000 14.04%
2010 15.177.000.000 5.84%
2011 15.838.000.000 4.17%
2012 17.481.000.000 9.4%
2013 18.582.000.000 5.93%
2014 19.432.000.000 4.37%
2015 21.151.000.000 8.13%
2016 21.925.000.000 3.53%
2017 24.341.000.000 9.93%
2018 26.157.000.000 6.94%
2019 27.912.000.000 6.29%
2020 28.358.000.000 1.57%
2021 30.764.000.000 7.82%
2022 32.387.000.000 5.01%
2023 48.961.000.000 33.85%
2024 108.112.000.000 54.71%

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.

Santam Ltd Net Profit
Year Net Profit Growth
2002 319.181.000
2003 864.979.000 63.1%
2004 1.783.000.000 51.49%
2005 1.801.000.000 1%
2006 1.867.000.000 3.54%
2007 1.050.000.000 -77.81%
2008 724.000.000 -45.03%
2009 1.116.000.000 35.13%
2010 1.789.000.000 37.62%
2011 1.405.000.000 -27.33%
2012 1.027.000.000 -36.81%
2013 1.120.000.000 8.3%
2014 1.579.000.000 29.07%
2015 2.348.000.000 32.75%
2016 1.212.000.000 -93.73%
2017 1.667.000.000 27.29%
2018 2.427.000.000 31.31%
2019 2.199.000.000 -10.37%
2020 542.000.000 -305.72%
2021 2.745.000.000 80.26%
2022 1.980.000.000 -38.64%
2023 3.250.000.000 39.08%
2024 6.872.000.000 52.71%

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.

Santam Ltd Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2002 3
2003 7 71.43%
2004 15 53.33%
2005 15 0%
2006 16 0%
2007 9 -66.67%
2008 6 -50%
2009 10 33.33%
2010 16 40%
2011 12 -25%
2012 9 -33.33%
2013 10 0%
2014 14 30.77%
2015 21 35%
2016 11 -81.82%
2017 15 26.67%
2018 22 28.57%
2019 20 -10.53%
2020 5 -375%
2021 25 83.33%
2022 18 -33.33%
2023 30 37.93%
2024 63 53.23%

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.

Santam Ltd Free Cashflow
Year Free Cashflow Growth
2002 694.811.000
2003 1.038.302.000 33.08%
2004 1.430.000.000 27.39%
2005 1.566.000.000 8.68%
2006 1.572.000.000 0.38%
2007 1.774.000.000 11.39%
2008 658.000.000 -169.6%
2009 1.573.000.000 58.17%
2010 1.238.000.000 -27.06%
2011 1.523.000.000 18.71%
2012 1.641.000.000 7.19%
2013 1.170.000.000 -40.26%
2014 1.759.000.000 33.48%
2015 2.420.000.000 27.31%
2016 1.219.000.000 -98.52%
2017 2.399.000.000 49.19%
2018 1.047.000.000 -129.13%
2019 2.777.000.000 62.3%
2020 981.000.000 -183.08%
2021 1.776.000.000 44.76%
2022 3.407.000.000 47.87%
2023 396.000.000 -760.35%
2024 2.256.000.000 82.45%

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.

Santam Ltd Operating Cashflow
Year Operating Cashflow Growth
2002 717.112.000
2003 1.076.376.000 33.38%
2004 1.463.000.000 26.43%
2005 1.587.000.000 7.81%
2006 1.590.000.000 0.19%
2007 1.806.000.000 11.96%
2008 706.000.000 -155.81%
2009 1.610.000.000 56.15%
2010 1.265.000.000 -27.27%
2011 1.590.000.000 20.44%
2012 1.735.000.000 8.36%
2013 1.277.000.000 -35.87%
2014 1.930.000.000 33.83%
2015 2.544.000.000 24.14%
2016 1.329.000.000 -91.42%
2017 2.494.000.000 46.71%
2018 1.136.000.000 -119.54%
2019 2.897.000.000 60.79%
2020 1.127.000.000 -157.05%
2021 1.884.000.000 40.18%
2022 3.543.000.000 46.82%
2023 667.000.000 -431.18%
2024 2.292.000.000 70.9%

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.

Santam Ltd Capital Expenditure
Year Capital Expenditure Growth
2002 22.301.000
2003 38.074.000 41.43%
2004 33.000.000 -15.38%
2005 21.000.000 -57.14%
2006 18.000.000 -16.67%
2007 32.000.000 43.75%
2008 48.000.000 33.33%
2009 37.000.000 -29.73%
2010 27.000.000 -37.04%
2011 67.000.000 59.7%
2012 94.000.000 28.72%
2013 107.000.000 12.15%
2014 171.000.000 37.43%
2015 124.000.000 -37.9%
2016 110.000.000 -12.73%
2017 95.000.000 -15.79%
2018 89.000.000 -6.74%
2019 120.000.000 25.83%
2020 146.000.000 17.81%
2021 108.000.000 -35.19%
2022 136.000.000 20.59%
2023 271.000.000 49.82%
2024 36.000.000 -652.78%

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.

Santam Ltd Equity
Year Equity Growth
2002 3.414.442.000
2003 4.008.999.000 14.83%
2004 5.465.000.000 26.64%
2005 5.852.000.000 6.61%
2006 6.750.000.000 13.3%
2007 4.178.000.000 -61.56%
2008 4.402.000.000 5.09%
2009 4.939.000.000 10.87%
2010 5.219.000.000 5.37%
2011 6.141.000.000 15.01%
2012 5.617.000.000 -9.33%
2013 6.532.000.000 14.01%
2014 7.440.000.000 12.2%
2015 8.547.000.000 12.95%
2016 7.345.000.000 -16.36%
2017 7.924.000.000 7.31%
2018 9.365.000.000 15.39%
2019 10.063.000.000 6.94%
2020 10.092.000.000 0.29%
2021 12.062.000.000 16.33%
2022 11.598.000.000 -4%
2023 11.625.000.000 0.23%
2023 11.406.000.000 -1.92%
2024 12.338.000.000 7.55%

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.

Santam Ltd Assets
Year Assets Growth
2002 8.916.565.000
2003 10.708.854.000 16.74%
2004 12.529.000.000 14.53%
2005 14.858.000.000 15.68%
2006 16.816.000.000 11.64%
2007 17.487.000.000 3.84%
2008 16.448.000.000 -6.32%
2009 17.082.000.000 3.71%
2010 17.735.000.000 3.68%
2011 18.689.000.000 5.1%
2012 19.737.000.000 5.31%
2013 22.616.000.000 12.73%
2014 25.184.000.000 10.2%
2015 27.858.000.000 9.6%
2016 29.276.000.000 4.84%
2017 38.728.000.000 24.41%
2018 45.098.000.000 14.12%
2019 49.234.000.000 8.4%
2020 56.180.000.000 12.36%
2021 65.558.000.000 14.3%
2022 73.047.000.000 10.25%
2023 66.485.000.000 -9.87%
2023 57.043.000.000 -16.55%
2024 69.501.000.000 17.92%

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.

Santam Ltd Liabilities
Year Liabilities Growth
2002 5.502.123.000
2003 6.699.855.000 17.88%
2004 7.064.000.000 5.15%
2005 9.006.000.000 21.56%
2006 10.066.000.000 10.53%
2007 13.309.000.000 24.37%
2008 12.046.000.000 -10.48%
2009 12.143.000.000 0.8%
2010 12.516.000.000 2.98%
2011 12.548.000.000 0.26%
2012 14.120.000.000 11.13%
2013 16.084.000.000 12.21%
2014 17.744.000.000 9.36%
2015 19.311.000.000 8.11%
2016 21.931.000.000 11.95%
2017 30.804.000.000 28.8%
2018 35.733.000.000 13.79%
2019 39.171.000.000 8.78%
2020 46.088.000.000 15.01%
2021 53.496.000.000 13.85%
2022 61.449.000.000 12.94%
2023 54.860.000.000 -12.01%
2023 45.637.000.000 -20.21%
2024 57.163.000.000 20.16%

Santam Ltd Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
708.63
Net Income per Share
45.32
Price to Earning Ratio
8.12x
Price To Sales Ratio
0.52x
POCF Ratio
13.63
PFCF Ratio
15.14
Price to Book Ratio
3.55
EV to Sales
0.49
EV Over EBITDA
41.54
EV to Operating CashFlow
12.91
EV to FreeCashFlow
14.4
Earnings Yield
0.12
FreeCashFlow Yield
0.07
Market Cap
40,14 Bil.
Enterprise Value
38,19 Bil.
Graham Number
324.91
Graham NetNet
-414.75

Income Statement Metrics

Net Income per Share
45.32
Income Quality
0.69
ROE
0.46
Return On Assets
0.07
Return On Capital Employed
0.02
Net Income per EBT
0.73
EBT Per Ebit
5.44
Ebit per Revenue
0.02
Effective Tax Rate
0.33

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.98
Operating Profit Margin
0.02
Pretax Profit Margin
0.09
Net Profit Margin
0.06

Dividends

Dividend Yield
0.04
Dividend Yield %
3.92
Payout Ratio
0.89
Dividend Per Share
14.4

Operating Metrics

Operating Cashflow per Share
26.99
Free CashFlow per Share
24.19
Capex to Operating CashFlow
0.1
Capex to Revenue
0
Capex to Depreciation
0.69
Return on Invested Capital
0.06
Return on Tangible Assets
0.18
Days Sales Outstanding
0
Days Payables Outstanding
620.8
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0.59
Inventory Turnover
0
Capex per Share
2.8

Balance Sheet

Cash per Share
106,67
Book Value per Share
112,54
Tangible Book Value per Share
-267.6
Shareholders Equity per Share
103.54
Interest Debt per Share
34.34
Debt to Equity
0.27
Debt to Assets
0.04
Net Debt to EBITDA
-2.12
Current Ratio
5.51
Tangible Asset Value
-29,34 Bil.
Net Current Asset Value
-34,23 Bil.
Invested Capital
61269000000
Working Capital
18,77 Bil.
Intangibles to Total Assets
0.6
Average Receivables
0,00 Bil.
Average Payables
18,90 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.

Santam Ltd Dividends
Year Dividends Growth
2000 132
2001 146 9.66%
2002 160 9.38%
2003 177 9.6%
2004 243 27.16%
2005 1.303 81.35%
2006 768 -69.66%
2007 2.628 70.78%
2008 410 -540.98%
2009 430 4.65%
2010 800 46.25%
2011 525 -52.38%
2012 1.080 51.39%
2013 652 -65.64%
2014 695 6.19%
2015 768 9.51%
2016 1.328 42.17%
2017 906 -46.58%
2018 979 7.46%
2019 1.057 7.38%
2020 718 -47.21%
2021 864 16.9%
2022 1.262 31.54%
2023 3.120 59.55%
2024 1.440 -116.67%

Santam Ltd Profile

About Santam Ltd

Santam Ltd, together with its subsidiaries, provides various general insurance products in South Africa, rest of Africa, Southeast Asia, India, the Middle East, and internationally. The company offers personal insurance products, including car, building, home contents, drone, executive, and watercraft insurance, as well as smartpark and SOS services. It also provides commercial insurance products comprising business, guesthouse, tourism, leisure, and entertainment insurance products. In addition, the company offers specialist insurance products, such as aviation, cell captive, corporate property, court bonds, engineering, heavy haulage, hospitality industry, liability, marine, private client, seamless product, structured, travel, taxi, and real estate insurance; and agriculture insurance products, such as asset, crop, and fire insurance. Further, it engages in the investment and reinsurance activities. The company was founded in 1918 and is headquartered in Bellville, South Africa. Santam Ltd is a subsidiary of Sanlam Ltd.

CEO
Mr. Tavaziva Chadamoyo Madzing
Employee
6.472
Address
1 Sportica Crescent
Bellville, 7530

Santam Ltd Executives & BODs

Santam Ltd Executives & BODs
# Name Age
1 Ms. Nomagugu Vivian Mtetwa CA(SA)
Chief Operating Officer
70
2 Thabiso Rulashe
Head of Investor Relations & Strategy
70
3 Mr. Steve Murphy
Head of Santam Reinsurance
70
4 Sam Nkosi
Chief Technology Officer
70
5 Mr. Asher Michael Grevler
Chief Underwriting Officer
70
6 Mr. Karl Socikwa
Head of Market Development & Sustainability
70
7 Ms. Tinyiko Ribisi-Termark
Chief Legal Officer
70
8 Norah Sehunoe
Executive Head of Human Resources
70
9 Mr. Tavaziva Chadamoyo Madzinga
Chief Executive Officer & Executive Director
70
10 Mr. Matthys Lodewikus Olivier
Group Chief Financial Officer, Debt Officer, Finance Director & Executive Director
70

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