Santam Ltd, together with its subsidiaries, provides various general insurance products for individuals and businesses.
Business Segments
The company operates through two primary business segments: insurance activities and investment activities. Th…
Analysis
Quality compounder
Santam Ltd is a quality compounder: a well-run business trading at a price that reflects what it is worth.
The price is attractive. You pay 10.6× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone. At today's price, the market is assuming roughly -2% yearly growth; analysts expect 7%. The price, in other words, assumes less than the experts do.
The trajectory is solid and the balance sheet is adequate. The company scores 20/20 on our value-creation score: strong value creator.
What to watch: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.
360° rank · history
1007550250
Jan 202385
61
2023202420252026
All-time high
85
Jan 2023
All-time low
51
Mar 2026
Average rank
61
across all years
Detailed & Historical Ranks
Deep dive into 15 detailed ranks and 3 years of history.
Current202520242023
Price/Sales
100
88
85
84
Price/Earnings
75
38
50
58
Price/Book
27
16
20
31
Dividend Yield
83
60
61
73
Value (overall)
83
59
49
58
Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.