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SNT logo

Santam JSE:SNT Stock Report

Last Price

R385.56

Market Cap

R42.1b

7D

3.9%

1Y

32.4%

Updated

15 Apr, 2025

Data

Company Financials +

Santam Ltd

JSE:SNT Stock Report

Market Cap: R42.1b

SNT Stock Overview

Provides various general insurance products for individuals and businesses in South Africa, rest of Africa, Southeast Asia, India, the Middle East, and internationally. More details

SNT fundamental analysis
Snowflake Score
Valuation1/6
Future Growth1/6
Past Performance6/6
Financial Health4/6
Dividends4/6

Rewards

Earnings grew by 44.6% over the past year

Risk Analysis

Unstable dividend track record


Community vs My Fair Value

Santam Ltd Competitors

OUTsurance Group

JSE:OUT

R107.2b

Momentum Group

JSE:MTM

R40.4b

Old Mutual

JSE:OMU

R44.9b

Discovery

JSE:DSY

R129.6b

Price History & Performance

Summary of share price highs, lows and changes for Santam
Historical stock prices
Current Share PriceR385.56
52 Week HighR421.81
52 Week LowR286.34
Beta0.28
1 Month Change0.023%
3 Month Change2.55%
1 Year Change32.39%
3 Year Change32.72%
5 Year Change42.74%
Change since IPO8,972.00%

Recent News & Updates

Santam (JSE:SNT) Will Pay A Larger Dividend Than Last Year At ZAR9.85

Mar 07
Santam (JSE:SNT) Will Pay A Larger Dividend Than Last Year At ZAR9.85

Recent updates

Santam (JSE:SNT) Will Pay A Larger Dividend Than Last Year At ZAR9.85

Mar 07
Santam (JSE:SNT) Will Pay A Larger Dividend Than Last Year At ZAR9.85

Here's Why We Think Santam (JSE:SNT) Might Deserve Your Attention Today

Jan 22
Here's Why We Think Santam (JSE:SNT) Might Deserve Your Attention Today

Santam Ltd's (JSE:SNT) Share Price Could Signal Some Risk

Dec 10
Santam Ltd's (JSE:SNT) Share Price Could Signal Some Risk

Santam (JSE:SNT) Will Pay A Dividend Of ZAR5.35

Sep 01
Santam (JSE:SNT) Will Pay A Dividend Of ZAR5.35

Santam Ltd's (JSE:SNT) Shareholders Might Be Looking For Exit

Jun 19
Santam Ltd's (JSE:SNT) Shareholders Might Be Looking For Exit

Should You Be Adding Santam (JSE:SNT) To Your Watchlist Today?

Apr 10
Should You Be Adding Santam (JSE:SNT) To Your Watchlist Today?

Santam (JSE:SNT) Will Pay A Dividend Of ZAR9.05

Mar 03
Santam (JSE:SNT) Will Pay A Dividend Of ZAR9.05

Santam Ltd's (JSE:SNT) Shares May Have Run Too Fast Too Soon

Dec 29
Santam Ltd's (JSE:SNT) Shares May Have Run Too Fast Too Soon

Is Now The Time To Put Santam (JSE:SNT) On Your Watchlist?

Oct 16
Is Now The Time To Put Santam (JSE:SNT) On Your Watchlist?

Santam's (JSE:SNT) Upcoming Dividend Will Be Larger Than Last Year's

Sep 22
Santam's (JSE:SNT) Upcoming Dividend Will Be Larger Than Last Year's

Santam (JSE:SNT) Is Paying Out A Larger Dividend Than Last Year

Sep 06
Santam (JSE:SNT) Is Paying Out A Larger Dividend Than Last Year

Santam Ltd's (JSE:SNT) Dismal Stock Performance Reflects Weak Fundamentals

Mar 19
Santam Ltd's (JSE:SNT) Dismal Stock Performance Reflects Weak Fundamentals

What Kind Of Shareholders Own Santam Ltd (JSE:SNT)?

Feb 18
What Kind Of Shareholders Own Santam Ltd (JSE:SNT)?

Did You Participate In Any Of Santam's (JSE:SNT) Respectable 86% Return?

Jan 28
Did You Participate In Any Of Santam's (JSE:SNT) Respectable 86% Return?

How Much Are Santam Ltd (JSE:SNT) Insiders Spending On Buying Shares?

Dec 21
How Much Are Santam Ltd (JSE:SNT) Insiders Spending On Buying Shares?

Should Weakness in Santam Ltd's (JSE:SNT) Stock Be Seen As A Sign That Market Will Correct The Share Price Given Decent Financials?

Dec 02
Should Weakness in Santam Ltd's (JSE:SNT) Stock Be Seen As A Sign That Market Will Correct The Share Price Given Decent Financials?

Shareholder Returns

SNTZA InsuranceZA Market
7D3.9%3.8%5.8%
1Y32.4%42.9%21.1%

Return vs Industry: SNT underperformed the ZA Insurance industry which returned 41% over the past year.

Return vs Market: SNT exceeded the ZA Market which returned 17.7% over the past year.

Price Volatility

Is SNT's price volatile compared to industry and market?
SNT volatility
SNT Average Weekly Movement3.3%
Insurance Industry Average Movement4.6%
Market Average Movement5.2%
10% most volatile stocks in ZA Market10.7%
10% least volatile stocks in ZA Market3.4%

Stable Share Price: SNT has not had significant price volatility in the past 3 months compared to the ZA market.

Volatility Over Time: SNT's weekly volatility (3%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1918n/aTava Madzingawww.santam.co.za

Santam Ltd, together with its subsidiaries, provides various general insurance products for individuals and businesses in South Africa, rest of Africa, Southeast Asia, India, the Middle East, and internationally. The company offers personal insurance products, such as car, building, home contents, watercraft, travel, and drone insurance; and all risk insurance for jewelry, mobile communication devices, eyewear, laptops, computer equipment, musical instruments, medical equipment, bank vault contents, collections and personal documents, photographic equipment, sports gear, bicycles, audiovisual equipment, home entertainment devices, camping gear, and vehicle sound equipment, as well as claim, brokerage, and SOS services. It also provides commercial insurance products comprising motor, property, and liability insurance; and guesthouses, tourism, real estate, educational institutions, religious institutions, and cybers security insurance products.

Santam Ltd Fundamentals Summary

How do Santam's earnings and revenue compare to its market cap?
SNT fundamental statistics
Market capR42.08b
Earnings (TTM)R3.68b
Revenue (TTM)R47.19b

11.4x

P/E Ratio

0.9x

P/S Ratio

Is SNT overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
SNT income statement (TTM)
RevenueR47.19b
Cost of RevenueR39.98b
Gross ProfitR7.21b
Other ExpensesR3.53b
EarningsR3.68b

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)33.71
Gross Margin15.27%
Net Profit Margin7.80%
Debt/Equity Ratio29.2%

How did SNT perform over the long term?

See historical performance and comparison

Dividends

3.9%

Current Dividend Yield

45%

Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/04/15 06:28
End of Day Share Price 2025/04/15 00:00
Earnings2024/12/31
Annual Earnings2024/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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 world class team 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. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Warwick BamAvior Capital Markets
Robert RiceBarclays
Marius StrydomBofA Global Research