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Santam SNT.JO · ZAc

Financials · JSE · 🇿🇦 South Africa

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49,037.00

+0.80%

Close of 9 Nov 2026, in ZAc

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At a glance

Figures in ZAR, from our data supplier.

FY2025

Revenue, before interest expense

ZAR 61.20bn

FY2016FY2025

Net income

ZAR 4.06bn

FY2016FY2025

Total assets

ZAR 82.39bn

FY2016FY2025

Shareholders' equity

ZAR 15.05bn

FY2016FY2025

Income statement

Fiscal years

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue, before interest expenseZAR 61.20bnZAR 50.13bnZAR 41.99bnZAR 32.39bnZAR 30.76bnZAR 28.36bnZAR 27.91bnZAR 26.16bnZAR 24.34bnZAR 21.93bn
Operating incomeZAR 7.83bnZAR 5.95bnZAR 4.22bnZAR 3.61bnZAR 4.87bnZAR 1.86bnZAR 3.94bnZAR 3.75bnZAR 2.45bnZAR 1.95bn
Net incomeZAR 4.06bnZAR 3.68bnZAR 3.25bnZAR 1.98bnZAR 2.75bnZAR 327.0mZAR 2.20bnZAR 2.43bnZAR 1.67bnZAR 1.21bn
Diluted earnings per share36.7333.2029.6217.9524.782.9519.7421.8614.9410.87

Balance sheet

At each fiscal year end

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Total assetsZAR 82.39bnZAR 73.44bnZAR 67.13bnZAR 73.05bnZAR 65.56bnZAR 56.18bnZAR 49.23bnZAR 45.10bnZAR 38.73bnZAR 29.28bn
Cash and short-term investmentsZAR 6.08bnZAR 6.38bnZAR 4.82bnZAR 5.39bnZAR 4.50bnZAR 4.38bnZAR 4.64bnZAR 3.62bnZAR 4.32bnZAR 4.25bn
Total liabilitiesZAR 65.81bnZAR 59.36bnZAR 55.72bnZAR 61.45bnZAR 53.50bnZAR 46.09bnZAR 39.17bnZAR 35.73bnZAR 30.80bnZAR 21.93bn
DebtZAR 5.06bnZAR 4.05bnZAR 3.83bnZAR 3.18bnZAR 3.30bnZAR 3.85bnZAR 3.06bnZAR 2.07bnZAR 2.03bnZAR 2.00bn
Shareholders' equityZAR 15.05bnZAR 12.74bnZAR 10.69bnZAR 10.86bnZAR 11.43bnZAR 9.36bnZAR 9.54bnZAR 8.86bnZAR 7.42bnZAR 6.88bn
Shares outstanding111m111m110m110m111m111m111m111m112m112m

Latest quarters

By quarter end

Jun 2026Dec 2025Jun 2025Dec 2024Jun 2024Dec 2023Jun 2023Mar 2023
Revenue, before interest expenseZAR 30.43bnZAR 31.23bnZAR 25.15bnZAR 30.28bnZAR 27.03bnZAR 26.43bnZAR 24.23bnZAR 9.93bn
Operating incomeZAR 4.21bnZAR 4.00bnZAR 3.82bnZAR 3.00bnZAR 2.28bnZAR 3.38bnZAR 847.0mZAR 847.0m
Net incomeZAR 2.19bnZAR 2.01bnZAR 2.04bnZAR 1.96bnZAR 1.72bnZAR 1.97bnZAR 1.28bnZAR 640.5m
Diluted earnings per share19.9118.2218.5017.7015.5017.9411.675.84
Total assetsZAR 85.74bnZAR 82.39bnZAR 76.04bnZAR 73.44bnZAR 69.50bnZAR 57.04bnZAR 66.48bnZAR 66.48bn
Cash and short-term investmentsZAR 6.50bnZAR 6.08bnZAR 6.62bnZAR 6.38bnZAR 5.82bnZAR 4.82bnZAR 4.65bnZAR 4.65bn
DebtZAR 4.10bnZAR 4.30bnZAR 3.06bnZAR 3.26bnZAR 3.06bnZAR 3.29bnZAR 3.03bn—
Shareholders' equityZAR 15.90bnZAR 15.05bnZAR 13.65bnZAR 12.74bnZAR 11.35bnZAR 10.69bnZAR 10.93bnZAR 10.93bn

Growth per year

Compound annual rate

3 years5 years10 years
Revenue23.6%16.6%11.2%
Operating income29.4%33.3%8.8%
Net income27.0%65.5%5.6%

Average margins

Over each period

1 year3 years5 years10 years
Operating margin12.4%11.6%11.6%12.0%
Net margin7.0%7.0%6.6%7.1%

Valuation history

At each fiscal year end

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Price to earnings11.611.89.714.310.986.414.713.617.921.5
Price to sales0.80.90.80.91.01.01.21.31.21.2

Dividends and splits

Per share, in the currency the company pays

Paid for 36 years. Last went ex-dividend on 22 Sept 2026.

FY2026FY2025FY2024FY2023FY2022FY2021FY2020FY2019
Paid in the year17.4015.7514.4031.2012.524.327.1810.57
  • 1-to-1 reverse split · 14 May 2007
  • 1-to-1 reverse split · 16 Apr 2007

Sources and methodology

Data on this tab
Our data supplier
Chart on the Overview
TradingView

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