Santam (SNT.JO) Stock Price

Santam Price

JSE·CLOSED
39,719.00ZAR-181.00 (-0.45 %)
Market closed

Over the last 19 years Santam grew revenue by 9.3% annually, reaching 47.65 B ZAR. Earnings per share have grown at 4.2% per year over the last 19 years. For Santam, the net margin of 7.7% is up versus 1.2% a few years ago. At today's price the dividend yield works out to roughly 0.04%. The payout ratio is around 43% of earnings. The dividend has grown at 0.5% per year over the past 19 years. The consensus 12-month price target for Santam is 461.55 ZAR, about 98.8% below where the stock trades today. Of 9 analysts, 5 rate the stock a buy — an overall Buy consensus. The stock trades about 9% above its 52-week low.

Santam stock price

Volume
Ex-Dividend
Details

Stock Price

How to Read This Chart

This chart tracks the historical stock price of Santam over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Santam stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Santam's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

Santam Stock Price History
DateSantam Price
7/17/202639,719.00 ZAR
7/16/202639,900.00 ZAR
7/15/202639,750.00 ZAR
7/14/202639,988.00 ZAR
7/13/202639,922.00 ZAR
7/10/202639,815.00 ZAR
7/9/202639,240.00 ZAR
7/8/202639,398.00 ZAR
7/7/202639,700.00 ZAR
7/6/202639,599.00 ZAR
7/3/202639,200.00 ZAR
7/2/202639,167.00 ZAR
7/1/202638,800.00 ZAR
6/30/202638,500.00 ZAR
6/29/202638,968.00 ZAR
6/26/202639,045.00 ZAR
6/25/202638,747.00 ZAR
6/24/202638,937.00 ZAR
6/23/202638,979.00 ZAR
6/22/202639,980.00 ZAR
6/19/202640,149.00 ZAR
6/18/202640,000.00 ZAR
6/17/202640,167.00 ZAR
6/15/202639,888.00 ZAR
6/12/202639,174.00 ZAR
6/11/202638,416.00 ZAR
6/10/202638,297.00 ZAR
6/9/202638,213.00 ZAR
6/8/202637,282.00 ZAR
6/5/202636,353.00 ZAR
6/4/202636,541.00 ZAR
6/3/202636,660.00 ZAR
6/2/202636,700.00 ZAR
6/1/202636,997.00 ZAR
5/29/202637,485.00 ZAR
5/28/202637,875.00 ZAR
5/27/202638,018.00 ZAR
5/26/202638,197.00 ZAR
5/25/202638,487.00 ZAR
5/22/202638,066.00 ZAR
5/21/202637,612.00 ZAR
5/20/202637,738.00 ZAR
5/19/202637,729.00 ZAR
5/18/202637,596.00 ZAR
5/15/202638,300.00 ZAR
5/14/202639,006.00 ZAR
5/13/202639,350.00 ZAR
5/12/202639,434.00 ZAR
5/11/202639,600.00 ZAR
5/8/202639,655.00 ZAR
5/7/202639,206.00 ZAR
5/6/202640,200.00 ZAR
5/5/202639,652.00 ZAR
5/4/202640,200.00 ZAR
4/30/202639,890.00 ZAR
4/29/202640,500.00 ZAR
4/28/202640,400.00 ZAR
4/24/202640,400.00 ZAR
4/23/202640,360.00 ZAR
4/22/202640,300.00 ZAR
4/21/202640,319.00 ZAR
4/20/202640,500.00 ZAR
4/17/202641,100.00 ZAR
4/16/202640,666.00 ZAR
4/15/202640,718.00 ZAR
4/14/202640,560.00 ZAR
4/13/202639,932.00 ZAR
4/10/202640,427.00 ZAR
4/9/202640,651.00 ZAR
4/8/202640,855.00 ZAR
4/7/202639,448.00 ZAR
4/2/202639,692.00 ZAR
4/1/202639,677.00 ZAR
3/31/202639,186.00 ZAR
3/30/202638,892.00 ZAR
3/27/202639,804.00 ZAR
3/26/202639,662.00 ZAR
3/25/202639,778.00 ZAR
3/24/202640,013.00 ZAR
3/23/202639,775.00 ZAR
3/20/202641,854.00 ZAR
3/19/202640,650.00 ZAR
3/18/202641,000.00 ZAR
3/17/202640,911.00 ZAR
3/16/202640,939.00 ZAR
3/13/202640,850.00 ZAR
3/12/202640,400.00 ZAR
3/11/202640,967.00 ZAR
3/10/202641,520.00 ZAR
3/9/202640,425.00 ZAR
3/6/202641,615.00 ZAR
3/5/202642,453.00 ZAR
3/4/202642,624.00 ZAR
3/3/202642,464.00 ZAR
3/2/202644,446.00 ZAR
2/27/202643,723.00 ZAR
2/26/202645,000.00 ZAR
2/25/202643,574.00 ZAR
2/24/202644,114.00 ZAR
2/23/202644,612.00 ZAR
2/20/202644,252.00 ZAR
2/19/202644,459.00 ZAR
2/18/202644,742.00 ZAR
2/17/202644,354.00 ZAR
2/16/202644,466.00 ZAR
2/13/202644,277.00 ZAR
2/12/202645,156.00 ZAR
2/11/202644,868.00 ZAR
2/10/202645,170.00 ZAR
2/9/202644,652.00 ZAR
2/6/202644,366.00 ZAR
2/5/202644,275.00 ZAR
2/4/202644,643.00 ZAR
2/3/202644,581.00 ZAR
2/2/202644,061.00 ZAR
1/30/202643,030.00 ZAR
1/29/202643,200.00 ZAR
1/28/202642,696.00 ZAR
1/27/202642,450.00 ZAR
1/26/202642,485.00 ZAR
1/23/202642,139.00 ZAR
1/22/202642,914.00 ZAR
1/21/202642,390.00 ZAR
1/20/202642,004.00 ZAR
1/19/202642,297.00 ZAR
1/16/202642,687.00 ZAR
1/15/202642,364.00 ZAR
1/14/202641,477.00 ZAR
1/13/202641,346.00 ZAR
1/12/202641,446.00 ZAR
1/9/202642,105.00 ZAR
1/8/202642,407.00 ZAR
1/7/202642,006.00 ZAR
1/6/202642,542.00 ZAR
1/5/202642,658.00 ZAR
1/2/202642,658.00 ZAR
12/31/202542,745.00 ZAR
12/30/202542,607.00 ZAR
12/29/202542,700.00 ZAR
12/24/202543,074.00 ZAR
12/23/202542,884.00 ZAR
12/22/202542,600.00 ZAR
12/19/202542,253.00 ZAR
12/18/202542,490.00 ZAR
12/17/202541,948.00 ZAR
12/15/202541,758.00 ZAR
12/12/202541,800.00 ZAR
12/11/202541,600.00 ZAR
12/10/202541,900.00 ZAR
12/9/202541,751.00 ZAR
12/8/202541,750.00 ZAR
12/5/202541,898.00 ZAR
12/4/202541,830.40 ZAR
12/3/202541,875.00 ZAR
12/2/202542,442.00 ZAR
12/1/202541,703.00 ZAR
11/28/202541,808.00 ZAR
11/27/202542,219.00 ZAR
11/26/202542,903.00 ZAR
11/25/202542,805.00 ZAR
11/24/202542,565.00 ZAR
11/21/202542,777.00 ZAR
11/20/202543,480.00 ZAR
11/19/202542,994.00 ZAR
11/18/202542,196.00 ZAR
11/17/202542,857.00 ZAR
11/14/202542,789.00 ZAR
11/13/202543,219.00 ZAR
11/12/202543,050.00 ZAR
11/11/202543,682.00 ZAR
11/10/202541,714.00 ZAR
11/7/202541,634.00 ZAR
11/6/202542,054.00 ZAR
11/5/202541,661.00 ZAR
11/4/202541,100.00 ZAR
11/3/202541,230.00 ZAR
10/31/202541,359.00 ZAR
10/30/202541,000.00 ZAR
10/29/202540,900.00 ZAR
10/28/202540,835.00 ZAR
10/27/202540,111.00 ZAR
10/24/202540,300.00 ZAR
10/23/202540,700.00 ZAR
10/22/202539,813.00 ZAR
10/21/202539,608.00 ZAR
10/20/202539,350.00 ZAR
10/17/202539,300.00 ZAR
10/16/202539,321.00 ZAR
10/15/202539,277.00 ZAR
10/14/202538,700.00 ZAR
10/13/202538,630.00 ZAR
10/10/202539,040.00 ZAR
10/9/202538,600.00 ZAR
10/8/202538,000.00 ZAR
10/7/202537,937.00 ZAR
10/6/202538,001.00 ZAR
10/3/202538,000.00 ZAR
10/2/202537,777.00 ZAR
10/1/202538,055.00 ZAR
9/30/202537,788.00 ZAR
9/29/202538,249.00 ZAR
9/26/202538,637.00 ZAR
9/25/202539,224.00 ZAR
9/23/202539,849.00 ZAR
9/22/202539,950.00 ZAR
9/19/202540,010.00 ZAR
9/18/202540,400.00 ZAR
9/17/202540,933.00 ZAR
9/16/202541,432.00 ZAR
9/15/202541,705.00 ZAR
9/12/202541,609.00 ZAR
9/11/202541,661.00 ZAR
9/10/202541,828.00 ZAR
9/9/202541,301.00 ZAR
9/8/202541,692.00 ZAR
9/5/202541,530.00 ZAR
9/4/202541,659.00 ZAR
9/3/202541,647.00 ZAR
9/2/202542,747.00 ZAR
9/1/202543,750.00 ZAR
8/29/202543,800.00 ZAR
8/28/202544,421.00 ZAR
8/27/202543,928.00 ZAR
8/26/202544,037.00 ZAR
8/25/202543,838.00 ZAR
8/22/202543,688.00 ZAR
8/21/202543,633.00 ZAR
8/20/202543,982.00 ZAR
8/19/202543,878.00 ZAR
8/18/202543,391.00 ZAR
8/15/202543,163.00 ZAR
8/14/202543,261.00 ZAR
8/13/202543,349.00 ZAR
8/12/202543,362.42 ZAR
8/11/202543,297.32 ZAR
8/8/202543,300.00 ZAR
8/7/202543,300.00 ZAR
8/6/202543,571.00 ZAR
8/5/202543,350.00 ZAR
8/4/202543,738.00 ZAR
8/1/202543,412.00 ZAR
7/31/202544,132.00 ZAR
7/30/202543,572.00 ZAR
7/29/202543,150.00 ZAR
7/28/202542,685.00 ZAR
7/25/202543,396.00 ZAR
7/24/202543,424.00 ZAR
7/23/202543,639.00 ZAR
7/22/202543,612.64 ZAR
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Santam Revenue, EBIT, Net Income

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Revenue
EBIT
Net Income
Details
Date
Revenue
EBIT
Net Income
Jan 1, 2020
28.10 B ZAR
1.63 B ZAR
327.00 M ZAR
Jan 1, 2021
30.94 B ZAR
3.71 B ZAR
2.75 B ZAR
Jan 1, 2022
42.18 B ZAR
3.13 B ZAR
1.98 B ZAR
Jan 1, 2023
42.41 B ZAR
4.30 B ZAR
3.25 B ZAR
Jan 1, 2024
47.65 B ZAR
5.99 B ZAR
3.68 B ZAR
Jan 1, 2025 (e)
33.10 B ZAR
7.82 B ZAR
4.26 B ZAR
Jan 1, 2026 (e)
44.69 B ZAR
8.36 B ZAR
4.56 B ZAR
Jan 1, 2027 (e)
8.06 B ZAR
6.88 B ZAR
4.87 B ZAR

Santam Income Statement, Balance Sheet, Cash Flow Statement

Last updated Jul 21, 2026, 7:54 AM
 
REVENUEB ZAR
REVENUE GROWTH%
GROSS MARGIN%
GROSS INCOMEB ZAR
EBITB ZAR
EBIT MARGIN%
NET INCOMEB ZAR
NET INCOME GROWTH%
DIV.ZAR
DIV. GROWTH%
SHARESM
20122013201420152016201720182019202020212022202320242025e2026e2027e
17.1318.3119.2420.7221.7724.8725.8628.3128.1030.9442.1842.4147.6533.1044.698.06
16.886.945.037.735.0314.273.989.46-0.7510.1036.350.5412.34-30.5335.02-81.96
47.0944.0441.9338.9237.0532.4331.1928.4928.7027.5419.1219.0216.9319.1219.1219.12
8.078.078.078.078.078.078.078.078.078.528.078.078.076.338.541.54
1.411.372.312.941.552.433.353.321.633.713.134.305.997.828.366.88
8.237.4911.9914.197.109.7612.9411.735.8011.997.4210.1412.5723.6218.7085.29
1.031.121.582.351.211.672.432.200.332.751.983.253.684.264.564.87
-25.369.0640.9848.70-48.3837.5445.59-9.39-85.13739.45-27.8764.1413.2015.857.096.66
5.856.526.957.688.399.069.7910.5714.368.6412.5231.2014.4015.7517.3219.05
11.4311.456.6010.509.247.998.067.9735.86-39.8344.91149.20-53.859.379.979.99
115.00115.00115.09113.72111.37111.43111.23111.18110.91110.78110.35110.08110.74110.74110.74110.74
Details

Income Statement Key Figures

Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales Santam generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Santam retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Santam's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares Santam has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Santam's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

Santam stock margins

The Santam margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Santam. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Santam.
  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Gross margin
EBIT margin
Profit margin
Details
Date
Gross margin
EBIT margin
Profit margin
Jan 1, 2020
19.12 %
5.80 %
1.16 %
Jan 1, 2021
27.54 %
11.99 %
8.87 %
Jan 1, 2022
19.12 %
7.42 %
4.69 %
Jan 1, 2023
19.12 %
10.14 %
7.66 %
Jan 1, 2024
19.12 %
12.57 %
7.72 %
Jan 1, 2025 (e)
19.12 %
23.62 %
12.88 %
Jan 1, 2026 (e)
19.12 %
18.70 %
10.21 %
Jan 1, 2027 (e)
19.12 %
85.29 %
60.39 %

Santam Stock Revenue, EBIT, Earnings per Share

The Santam earnings per share therefore indicates how much revenue Santam has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.
  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Revenue per Share
EBIT per share
Earnings per Share
Details
Date
Revenue per Share
EBIT per share
Earnings per Share
Jan 1, 2020
253.33 ZAR
14.69 ZAR
2.95 ZAR
Jan 1, 2021
279.25 ZAR
33.47 ZAR
24.78 ZAR
Jan 1, 2022
382.25 ZAR
28.37 ZAR
17.94 ZAR
Jan 1, 2023
385.27 ZAR
39.05 ZAR
29.52 ZAR
Jan 1, 2024
430.24 ZAR
54.10 ZAR
33.22 ZAR
Jan 1, 2025 (e)
298.88 ZAR
70.59 ZAR
38.49 ZAR
Jan 1, 2026 (e)
403.54 ZAR
75.47 ZAR
41.22 ZAR
Jan 1, 2027 (e)
72.79 ZAR
62.08 ZAR
43.96 ZAR

Santam business model & stock analysis

Santam Ltd is a South African insurance company that was founded in 1918. The company is headquartered in Cape Town and operates businesses throughout the African continent, as well as in the USA and Australia. The business model of Santam is primarily focused on developing and providing individual insurance solutions for individuals and companies to protect people's lives and property. The company offers a wide range of insurance products, including auto insurance, property insurance, household insurance, as well as risk management solutions for businesses and institutions. Santam has a variety of insurance divisions, including: 1. Personal and commercial insurance: This division includes a wide range of insurances such as personal liability and household insurance, as well as business liability and property insurance. 2. Mining and energy insurance: Here, the company offers specialized insurance products for mining, oil, and gas companies. 3. Transport and aviation insurance: Santam provides comprehensive transport and aviation insurance solutions for companies, including travel, cargo, and aviation extensions insurance. 4. Agribusiness and animal health insurance: The company offers insurance for the agricultural sector and the animal health industry, allowing farmers and animal owners to protect their property and interests against potential risks. 5. Life and pension insurance: Santam also offers a variety of life insurance products, including death and disability insurance. Additionally, the company also has a strong focus on sustainability and corporate social responsibility (CSR). Through various CSR initiatives, Santam helps improve social and economic conditions in communities by supporting education and environmental programs, for example. Overall, Santam has established its reputation as a trusted and reliable provider of insurance solutions in South Africa and beyond. The company has a strong financial background and is listed on the Johannesburg Stock Exchange. In 2020, however, the company also faced challenges due to the COVID-19 pandemic, as the demand for insurance decreased and claims increased. Nevertheless, Santam successfully implemented measures to assist its customers during this difficult time. Answer: Santam Ltd is a South African insurance company that offers a wide range of insurance products and solutions for individuals and businesses. They operate in various sectors, including personal and commercial insurance, mining and energy insurance, transport and aviation insurance, agribusiness and animal health insurance, as well as life and pension insurance. The company is also committed to sustainability and corporate social responsibility initiatives.

Santam SWOT Analysis

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.

Santam Eulerpool Fair Value

Details

Fair Value Estimate

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

Santam historical P/E ratio, EBIT multiple, and P/S ratio

Santam annual returns

Details

Annual Return

What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

Santam shares outstanding

The number of shares of Santam was 110.74 M in 2025. This indicates how many shares Santam is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.
  • 3 Years

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  • 25 Years

  • Max

Number of stocks
Details
Date
Number of stocks
Jan 1, 2020
110.91 M Stocks
Jan 1, 2021
110.78 M Stocks
Jan 1, 2022
110.35 M Stocks
Jan 1, 2023
110.08 M Stocks
Jan 1, 2024
110.74 M Stocks
Jan 1, 2025 (e)
110.74 M Stocks
Jan 1, 2026 (e)
110.74 M Stocks
Jan 1, 2027 (e)
110.74 M Stocks

Santam stock splits

In Santam's history, there have been no stock splits.

Santam Dividend History

37 years of dividend payments

YearAnnual DividendYoY ChangePayments
20261,090.00ZARYTD
Mar 25, 20261,090.00ZAR 18,374.6%1/1
202515.75ZAR 9.4%
Mar 18, 20259.85ZAR 84.1%1/2
Sep 17, 20255.90ZAR 40.1%2/2
202414.40ZAR 53.8%
202331.20ZAR 149.2%
202212.52ZAR 189.8%
20214.32ZAR 39.8%
20207.18ZAR 32.1%
201910.57ZAR 8.0%
20189.79ZAR 8.1%
20179.06ZAR 8.0%

Santam dividend history and estimates

In 2025, Santam paid a dividend amounting to 15.75 ZAR. Dividend means that Santam distributes a portion of its profits to its owners.
  • 3 Years

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  • Max

Dividend
Dividend (Estimate)
Special dividend
Details
Date
Dividend
Dividend (Estimate)
Special dividend
Jan 1, 2020 (e)
7.18 ZAR
7.18 ZAR
0.00 ZAR
Jan 1, 2021 (e)
4.32 ZAR
4.32 ZAR
0.00 ZAR
Jan 1, 2022
12.52 ZAR
0.00 ZAR
0.00 ZAR
Jan 1, 2023
31.20 ZAR
0.00 ZAR
17.80 ZAR
Jan 1, 2024
14.40 ZAR
0.00 ZAR
0.00 ZAR
Jan 1, 2025
15.75 ZAR
0.00 ZAR
0.00 ZAR
Jan 1, 2026 (e)
0.00 ZAR
17.32 ZAR
0.00 ZAR
Jan 1, 2027 (e)
0.00 ZAR
19.05 ZAR
0.00 ZAR

Santam dividend payout ratio

In 2025, Santam had a payout ratio of 40.92%. The payout ratio indicates the percentage of the company's profits that Santam distributes as dividends.
  • 3 Years

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  • Max

Payout ratio
Details
Date
Payout ratio
Jan 1, 2020
243.53 %
Jan 1, 2021
17.44 %
Jan 1, 2022
69.79 %
Jan 1, 2023
105.69 %
Jan 1, 2024
43.34 %
Jan 1, 2025 (e)
40.92 %
Jan 1, 2026 (e)
42.03 %
Jan 1, 2027 (e)
43.33 %

Current Santam forecasts and price targets in July 2026

Analyst Price Targets 2026
Δ MOM Price Target
0.89 %
Buy55.56 % (5)
Hold33.33 % (3)
Sell11.11 % (1)
12M Price Target
461.55
Last Price
40,115.00
Currency
ZAR
12M Return Potential
-98.85 %
LTM Return
0 %

EESG©

Eulerpool ESG Scorecard© for the Santam stock

73/100
70
Environment
79
Social
68
Governance
E

Environment

20
Scope 1 - Direct Emissions1,601
Scope 2 - Indirect emissions from purchased energy5,867
Scope 3 - Indirect emissions within the value chain6,950
Total CO₂ emissions7,468
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency
S

Social

20
Percentage of female employees57
Percentage of women in management
Percentage of Asian employees
Share of Asian management
Percentage of Hispanic/Latino employees
Hispano/Latino Management share
Percentage of Black employees
Black Management Share
Percentage of white employees
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic
G

Governance (Corporate Governance)

4
Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Santam shareholder structure

% Name
66.52754%
Sanlam Ltd.
Sanlam Ltd.
5.42700%
Public Investment Corporation (SOC) Limited
Public Investment Corporation (SOC) Limited
4.57603%
Ninety One SA Pty Ltd.
Ninety One SA Pty Ltd.
1.13252%
The Vanguard Group, Inc.
The Vanguard Group, Inc.
0.55257%
Allan Gray Proprietary Limited
Allan Gray Proprietary Limited
0.49543%
Dimensional Fund Advisors, L.P.
Dimensional Fund Advisors, L.P.
...

Santam Executives and Management Board

TM

Mr. Tavaziva Madzinga

(46)

Group Chief Executive Officer, Executive Director · since 2022

Compensation23.37 M ZAR
MO

Mr. Matthys Olivier

(51)

Chief Financial Officer, Group Finance Director, Executive Director · since 2023

Compensation9.75 M ZAR
MF

Mr. Monwabisi Fandeso

(66)

Lead Independent Non-Executive Director

Compensation2.32 M ZAR
PS

Mr. Preston Speckmann

(68)

Independent Non-Executive Director

Compensation1.70 M ZAR
NM

Ms. Nombulelo Moholi

(65)

Independent Non-Executive Chairman of the Board

Compensation1.63 M ZAR

Frequently asked questions about Santam

Santam Ltd is a leading South African insurance company. Its business model revolves around providing various insurance solutions and services. Santam offers a wide range of insurance products, including personal, commercial, and specialist lines of insurance. The company aims to mitigate risk and protect individuals, businesses, and assets from potential financial loss. Santam prides itself on its customer-centric approach, ensuring prompt and fair claims settlement. With a strong focus on sustainability and investing in technology, Santam continually strives to innovate and adapt to evolving customer needs. As a trusted insurance partner, Santam Ltd offers comprehensive coverage and peace of mind to individuals and businesses alike.

All fundamentals and in-depth analysis of Santam

Our stock analysis for Santam stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Santam. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.