Valuation: Santam Ltd

Capitalization 4.84TCr 300.28Cr 255.47Cr 236.97Cr 222.63Cr 414.11Cr 28TCr 439.69Cr 2.7TCr 1.07TCr 13TCr 1.13TCr 1.1TCr 48TCr P/E ratio 2025 *
11.4x
P/E ratio 2026 * 10.6x
Enterprise value 5.17TCr 320.24Cr 272.45Cr 252.72Cr 237.43Cr 441.64Cr 29TCr 468.92Cr 2.88TCr 1.15TCr 14TCr 1.2TCr 1.18TCr 51TCr EV / Sales 2025 *
0.88x
EV / Sales 2026 * 0.75x
Free-Float
30.82%
Yield 2025 *
4.2%
Yield 2026 * 4.68%
More valuation ratios * Estimated data
Dynamic Chart
1 day+1.24%
1 week+3.46%
Current month+0.40%
1 month+1.56%
3 months+8.35%
6 months-2.34%
Current year+0.40%
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1 week 418.14
Extreme 418.14
430.4
1 month 408
Extreme 408
431
Current year 408
Extreme 408
431
1 year 341.82
Extreme 341.82
449.94
3 years 250
Extreme 250
449.94
5 years 228.56
Extreme 228.56
449.94
10 years 175.02
Extreme 175.02
449.94
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Manager TitleAgeSince
Chief Executive Officer - 01/07/2022
Director of Finance/CFO 52 01/07/2023
Chief Tech/Sci/R&D Officer - 01/01/2023
Director TitleAgeSince
Director/Board Member 67 08/02/2017
Director/Board Member 68 23/04/2018
Director/Board Member 67 13/10/2011
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Change 5d. change 1-year change 3-years change Capi.($)
+1.24%+3.46%+13.99%+64.72% 294.42Cr
-0.14%-4.00%+10.58%+113.09% 6.91TCr
+2.14%+2.10%+16.44%+50.26% 6.08TCr
+0.84%-0.38%+2.91%+55.42% 5.07TCr
+0.58%-1.00%-3.80%+15.75% 3.88TCr
-4.70%-10.27%+15.06%+184.34% 3.85TCr
0.00%-0.03%+23.79%+185.83% 3.72TCr
-0.34%-3.42%+2.40%+32.59% 3.39TCr
+0.25%+1.34%-2.50%+48.11% 3.33TCr
-0.33%-3.92%+33.20%+189.90% 3.16TCr
Average -0.05%-1.76%+11.21%+94.00% 3.97TCr
Weighted average by Cap. -0.01%-2.01%+10.80%+93.75%
See all sector performances

Financials

2025 *2026 *
Net sales 5.84TCr 361.95Cr 307.94Cr 285.64Cr 268.36Cr 499.17Cr 33TCr 530Cr 3.26TCr 1.29TCr 16TCr 1.36TCr 1.33TCr 57TCr 6.43TCr 398.28Cr 338.84Cr 314.31Cr 295.29Cr 549.26Cr 36TCr 583.19Cr 3.59TCr 1.42TCr 17TCr 1.5TCr 1.46TCr 63TCr
Net income 414.29Cr 26Cr 22Cr 20Cr 19Cr 35Cr 2.35TCr 38Cr 231.25Cr 92Cr 1.11TCr 96Cr 94Cr 4.07TCr 447.31Cr 28Cr 24Cr 22Cr 21Cr 38Cr 2.54TCr 41Cr 249.69Cr 99Cr 1.2TCr 104.08Cr 101.94Cr 4.4TCr
Net Debt 322.1Cr 20Cr 17Cr 16Cr 15Cr 28Cr 1.83TCr 29Cr 179.79Cr 71Cr 865.47Cr 75Cr 73Cr 3.16TCr -
More financial data * Estimated data
Logo Santam Ltd
Santam Ltd is the South African group No. 1 in short-term non-life insurance. The group also provides investment services. Gross written premiums break down by activity as follows: - car insurance (43.2%); - home insurance (37.9%); - engineering insurance (5.3%); - liability insurance (4.4%); - crop insurance (4.1%); - transport insurance (2.6%); - accident and health insurances (2.1%); - other (0.4%). Gross written premiums (including intragroup) break down geographically as follows: South Africa (80.8%), Africa (10.1%), Southeast Asia/India/Middle East (8.2%) and other (0.9%).
Employees
-
More about the company
Date Price Change Volume
22/26/22 429.14 R +1.24% 67,199
21/26/21 423.90 R +0.92% 41,233
20/26/20 420.04 R -0.69% 58,290
19/26/19 422.97 R -0.91% 29,620
16/26/16 426.87 R +0.76% 96,161

End-of-day quote Johannesburg S.E., January 22, 2026

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Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
5
Last Close Price
429.14ZAR
Average target price
491.11ZAR
Spread / Average Target
+14.44%
Consensus

Annual profits - Rate of surprise