Santam (SNM) Stock Overview
Provides various general insurance products and services to individuals, commercial, and corporate markets in South Africa, rest of Africa, and internationally. More details
| Snowflake Score | |
|---|---|
| Valuation | 1/6 |
| Future Growth | 2/6 |
| Past Performance | 3/6 |
| Financial Health | 4/6 |
| Dividends | 0/6 |
Rewards
Risk Analysis
No risks detected for SNM from our risk checks.
SNM Community Fair Values
Create NarrativeSee what others think this stock is worth. Follow their fair value or set your own to get alerts.
Join community and earn perks
Santam Ltd Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | R411.00 |
| 52 Week High | R451.70 |
| 52 Week Low | R362.20 |
| Beta | 0.23 |
| 1 Month Change | 0.019% |
| 3 Month Change | 2.54% |
| 1 Year Change | -0.80% |
| 3 Year Change | 33.63% |
| 5 Year Change | 75.51% |
| Change since IPO | 2,063.16% |
Recent News & Updates
Recent updates
Shareholder Returns
| SNM | NA Insurance | NA Market | |
|---|---|---|---|
| 7D | 1.4% | 0% | 0% |
| 1Y | -0.8% | 0% | 0% |
Return vs Industry: SNM underperformed the NA Insurance industry which returned 10.1% over the past year.
Return vs Market: SNM underperformed the NA Market which returned 13.6% over the past year.
Price Volatility
| SNM volatility | |
|---|---|
| SNM Average Weekly Movement | 2.9% |
| Insurance Industry Average Movement | 0% |
| Market Average Movement | 0% |
| 10% most volatile stocks in NA Market | 0% |
| 10% least volatile stocks in NA Market | 0% |
Stable Share Price: SNM has not had significant price volatility in the past 3 months compared to the NA market.
Volatility Over Time: SNM's weekly volatility (3%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1918 | n/a | Tava Madzinga | www.santam.co.za |
Santam Ltd, together with its subsidiaries, provides various general insurance products and services to individuals, commercial, and corporate markets in South Africa, rest of Africa, and internationally. It offers personal insurance, such as car insurance, home, contents insurance, building insurance, all risk insurance, watercraft insurance, drone insurance, travel insurance, and personal legal insurance; business insurance, including motor insurance, property insurance, small, business insurance, liability insurance, business legal insurance, and industry specific products. The company also provides insurance for specialized risks comprising accident and health, aviation, business travel insurance, casualty, cell captive, commercial drone, construction and engineering, corporate property, crop insurance, emerging business, family protect, heavy haulage, legal insurance, marine, motor fleets, private client, and structured insurance.
Santam Ltd Fundamentals Summary
| SNM fundamental statistics | |
|---|---|
| Market cap | R44.90b |
| Earnings (TTM) | R4.21b |
| Revenue (TTM) | R63.48b |
Is SNM overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| SNM income statement (TTM) | |
|---|---|
| Revenue | R63.48b |
| Cost of Revenue | R51.15b |
| Gross Profit | R12.33b |
| Other Expenses | R8.12b |
| Earnings | R4.21b |
Last Reported Earnings
Jun 30, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 38.50 |
| Gross Margin | 19.42% |
| Net Profit Margin | 6.63% |
| Debt/Equity Ratio | 52.6% |
How did SNM perform over the long term?
See historical performance and comparisonDividends
Does SNM pay a reliable dividends?
See SNM dividend history and benchmarks| Santam dividend dates | |
|---|---|
| Ex Dividend Date | Sep 22 2026 |
| Dividend Pay Date | Sep 28 2026 |
| Days until Ex dividend | 6 days |
| Days until Dividend pay date | 12 days |
Does SNM pay a reliable dividends?
See SNM dividend history and benchmarksCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/09/15 02:59 |
| End of Day Share Price | 2026/09/15 00:00 |
| Earnings | 2026/06/30 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
|
|
| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
|
* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Santam Ltd is covered by 13 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Francois Du Toit | Anchor Stockbrokers Proprietary Limited |
| Adrienne Damant | Avior Capital Markets |
| Robert Rice | Barclays |