Santam (SNT.JO) Stock Price

Santam Price

JSE·CLOSED
489.98
​
Market closed

Over the last 19 years Santam grew revenue by 9.5% annually, reaching 61.20 B ZAR. Earnings per share have grown at 4.6% per year over the last 19 years. For Santam, the net margin of 6.6% is down versus 8.9% a few years ago. At today's price the dividend yield works out to roughly 3.21%. The payout ratio is around 43% of earnings. The dividend has grown at 2.4% per year over the past 19 years. The consensus 12-month price target for Santam is 461.55 ZAR, about 5.8% below where the stock trades today. Of 9 analysts, 5 rate the stock a buy — an overall Buy consensus.

Santam stock price

Access this data via the Eulerpool API

100,000 free requests/mo · no credit card

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.

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.

Santam Ltd is primarily active in the insurance industry.

The main competitors of Santam Ltd in the market include companies such as Old Mutual Insure, Hollard Insurance, Lion of Africa Insurance, and Discovery Insure.

Santam Ltd is a renowned insurance company with a rich history and background. Founded in 1918, Santam has emerged as one of the leading insurers in South Africa. The company has been providing comprehensive insurance solutions to individuals, businesses, and institutions for over a century. Santam's commitment to excellence and innovation has earned them a trusted reputation in the industry. With a wide range of products and services tailored to meet various needs, Santam continues to protect and support their clients, ensuring peace of mind in an ever-changing world. Santam Ltd's strong track record makes them a reliable choice for insurance solutions.

Some significant milestones achieved by Santam Ltd include its establishment in 1918 as the first short-term insurance company in South Africa. Over the years, Santam has grown to become a market leader, offering a wide range of insurance products and services. It has maintained a strong financial performance and has been listed on the Johannesburg Stock Exchange since 1964. Santam has expanded its operations beyond South Africa, with a presence in Namibia, Botswana, and Zimbabwe. The company has received numerous accolades and awards for its excellence in insurance and risk management, highlighting its reputation as a trusted and innovative industry player.

Santam Ltd is primarily present in South Africa, where the company is headquartered. As a leading insurance provider in the region, Santam Ltd offers a wide range of insurance products and services to individuals and businesses throughout South Africa. With a strong presence in the local market, Santam Ltd has established itself as a reputable and trusted insurance provider in the country.

Santam Ltd represents a strong commitment to ethical business practices and values. The company's corporate philosophy revolves around integrity, accountability, and customer-centricity. Santam Ltd aims to create sustainable value for its stakeholders and consistently strives for excellence in its operations. With over a century of experience, Santam Ltd prides itself on being a trusted and reliable insurer in the South African market. Its core values include professionalism, innovation, and teamwork, enabling the company to deliver tailored insurance solutions that meet the diverse needs of its customers. Santam Ltd's corporate philosophy reflects its dedication to providing comprehensive and quality insurance services.

Analysts currently set an average price target of 481.19 ZAR for the Santam stock (median: 461.55 ZAR), implying -1.8 % versus the latest price. The consensus is based on 9 analyst ratings.

9 analysts currently rate the Santam stock: 5 recommend buying, 3 holding and 1 selling. For 2026, analysts expect Santam to generate revenue of 60.75 B ZAR and earnings per share of 0.39 ZAR.

Converted at the current exchange rate, the Santam share trades at 26.25 EUR (489.98 ZAR).

The Santam share (SNT.JO) is listed on 1 stock exchanges, including: JSE (Johannesburg) (SNT.JO).

Santam Ltd is a leading insurance company in South Africa that offers a wide range of insurance products and services. The company was founded in 1918 and has its headquarters in Cape Town, South Africa. Santam specializes in risk management and offers solutions for asset protection and liability claims. Santam Ltd is divided into different divisions to meet the diverse needs of customers. The divisions include property, liability, transport, engineering, and financial risks, as well as legal protection and life insurance. In property insurance, Santam offers products to protect assets such as buildings, household goods, vehicles, and other property. The company also offers specialized property insurance for diamonds, artworks, and historical buildings. Santam's liability insurance protects customers against damages they have caused to others. The company also offers specialized liability insurance such as product, professional, event, and environmental liability insurance. Santam's transport insurance division provides coverage for the transportation of goods and cargo, as well as a combination of all types of transport risks. Santam's engineering insurance protects customers against damages that can arise from construction activities. The company also offers insurance against damages caused by machinery and electrical equipment, as well as cyber risks. Santam also offers financial insurance, such as business interruption, credit, and surety insurance, to protect customers from financial losses. In addition, Santam Ltd also offers legal protection insurance and life insurance. Legal protection insurance covers the costs of legal defense, while life insurance protects beneficiaries in the event of the insured person's death. Santam's business model is based on its risk management expertise and ability to develop tailored insurance solutions for customers. The company is committed to providing excellent customer service and strengthening its position as a market leader in the insurance industry in South Africa. Santam is also committed to protecting the environment and has an ambitious goal to become carbon neutral by 2030. The company has reduced its carbon emissions in recent years and is implementing advanced technologies and processes to further reduce its emissions. In summary, Santam Ltd is a leading insurance company in South Africa that offers a wide range of insurance products and services. The company specializes in risk management and provides tailored solutions for asset protection and liability claims. With a focus on customer service and environmental protection, Santam aims to provide value to its customers while creating a sustainable future.

The expected revenue of Santam is 60.75 B ZAR. This figure is based on current financial data and reflects the company's business performance.

The expected profit of Santam is 43.57 M ZAR. The net profit reflects the company's profitability after deducting all expenses.

The price-to-earnings ratio (P/E) of Santam is currently 1,242.97. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the Santam stock.

The price-to-sales ratio (P/S) of Santam is currently 0.89. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the Santam stock.

The Eulerpool Quality Score for Santam is 8/10.

The ISIN of Santam is ZAE000093779. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.

The ticker of Santam is SNT.JO. The ticker symbol is used to trade Santam shares on the stock exchange.

Fair ValueTerminal
460.58 ZAR
Over-/UndervaluationTerminal
Fairly valued
Sector
Industry
Insurance
Number of shares
Employees
Revenue per Employee
10.16 M ZAR
Revenue growth Ø5 years
EBIT growth Ø5 years
Net Income growth Ø5 years
Website santam.co.za
Country
South Africa
Currency
ZAR
Initial public offering
Jul 1, 1992
ISIN
ZAE000093779
Cusip
S73323115
Sedol
6061001
Market capitalization
54.26 B ZARLarge Cap
52-Week Range
PEG
0.03
P/E ratio
P/Ee 2026
1,245.41
P/Ee 2027
1,100.37
P/Ee 2028
10.42
P/S
P/Se
0.89
EV/EBIT
6.80
P/B Ratio
3.61
ROE (Return on Equity)
ROA (Return on Assets)
ROCE (Return on Capital Employed)
ROIC (Return on Invested Capital)
20.19 %
Dividend
Dividend yield
3.21 %
Est. Dividend Yield
3.55 %
Payout Ratio
42.89 %
Dividend growth Ø5Y
6.80 %
Dividend payments per year
2
Dividend paid since
36 years
Dividend not reduced since
1 year
Dividend increased since
1 year
Dividend withholding tax
20.00 %
Last updated Nov 15, 2026, 12:19 AM

Santam Peer Group

Santam Ticker

JSE · SNT.JO

Santam FIGI

SNT:SJ · BBG000BFNPN7SNM:NW · BBG000BP80N7RXWA:GR · BBG000BQHCK2RXWA:GS · BBG000BQHDF6RXWA:GB · BBG000BQHFB5SNT1:EO · BBG000DHGT42SNT1:E1 · BBG000DHJ4C5SNT1:XT · BBG000DHJ4N3SNT1:XW · BBG000DHJ4Z0SNT1EUR:EO · BBG000F12XD1SNT1EUR:E1 · BBG000F136R4SNT1EUR:XT · BBG000F13765

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.