49,037.00
+0.80%
Close of 9 Nov 2026, in ZAc
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About Santam
Its shares trade on JSE under the ticker SNT.JO. It has been listed since 1 July 1992. In the fiscal year to 31 December 2025, it reported revenue before interest expense of ZAR 61.20bn and net income of ZAR 4.06bn. At that date it held total assets of ZAR 82.39bn and shareholders' equity of ZAR 15.05bn.
Santam Ltd. engages in the provision of insurance and investment services. The company is headquartered in Bellville, Western Cape. The firm presents its insurance results in the segments, including Conventional, Alternative risk transfer, and Santam’s share of SAN JV and other SEM businesses. The firm has five business units, which include personal, commercial, specialist, MiWay and Santam Re. Personal insurance has a multi-product and multi-channel distribution offering for its clients. Commercial insurance offers a business portfolio in South Africa and Namibia that serves small to large enterprises by providing commercial insurance solutions. Specialist business unit includes underwriting managers and niche business units, Centriq Insurance Group (Centriq) incorporating alternative risk transfer and cell captive facilities, and agriculture crop insurance. MiWay is the direct insurer, underwriting predominantly personal lines short-term insurance business. Santam Re is a wholesale reinsurance service provider.
Figures and description from our data supplier, not checked against the company's own report.
Company facts
- Sector
- Financials
- Industry
- Insurance
- Listed since
- 1 Jul 1992
- Employees
- 6,025
- Website
- santam.co.za ↗
Leadership
Pay as last reported
- Ms. Nombulelo MoholiIndependent Non-Executive Chairman of the BoardZAR 1.6m
- Mr. Tavaziva MadzingaGroup Chief Executive Officer, Executive Director, since 2022ZAR 23.4m
- Mr. Matthys OlivierChief Financial Officer, Group Finance Director, Executive Director, since 2023ZAR 9.7m
- Mr. Gareth BeaverChief Executive Officer - Specialist Business Solutions
- Mr. Fanus CoetzeeChief Executive Officer - Broker Solutions
- Mr. Asher GrevlerInterim Chief Executive Officer - Santam Re
- Mr. Atang MatebesiChief Executive Officer - Client Solutions
- Mr. Burton NaickerChief Executive Officer - MiWay
- Ms. Gloria M. NjamoChief Executive Officer - Partner Solutions
- Ms. Gugu MtetwaGroup Chief Operating Officer
- Mr. Sam NkosiChief Technology Officer
- Ms. Charisse RasChief Risk Officer and Head of Actuarial Function
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 73
- Environment
- 70
- Social
- 79
- Governance
- 68
- Direct emissions (scope 1)
- 1,601 t
- Energy emissions (scope 2)
- 5,867 t
- Value chain emissions (scope 3)
- 6,950 t
- Women in the workforce
- 57%
- Carbon reduction policy
- No
- Human rights policy
- Yes
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Santam Ltd possesses several strengths that contribute to its success in the insurance industry. Firstly, the company has a strong brand reputation and a long-standing history, which instills trust and loyalty among its customers. Secondly, Santam Ltd has a diverse portfolio of insurance products and services, offering comprehensive coverage options to meet various client needs. Additionally, the company prides itself on its excellent customer service, providing efficient claims processes and personalized assistance.
Weaknesses
- Despite its strengths, Santam Ltd also faces certain weaknesses that may hinder its growth and competitive advantage. One notable weakness is the company's heavy reliance on the South African market, which exposes it to economic and political fluctuations within the country. Furthermore, Santam Ltd may struggle with employee retention and talent acquisition in an increasingly competitive job market, potentially impacting its operational efficiency.
Opportunities
- Santam Ltd has several opportunities for expansion and innovation. With the rise of digitalization, the company can leverage technology to enhance its operational processes and improve customer experience. Furthermore, expanding its insurance offerings to new markets, both domestically and internationally, can drive revenue growth. Santam Ltd can also explore partnerships and collaborations with insurtech startups to tap into emerging trends and develop innovative insurance solutions.
Threats
- Being in a highly competitive industry, Santam Ltd faces various threats that may pose challenges to its market position. One major threat is the increasing regulatory requirements and compliance costs, which can impact profitability and operational flexibility. Moreover, the emergence of new competitors and disruptive technologies in the insurance sector poses a threat to Santam Ltd's market share. Additionally, external factors such as natural disasters and economic downturns can lead to a surge in insurance claims and financial risks.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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