Is a complete JSE/SNT research report available?

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Accepted Answer

No complete published report is available for jse/SNT (JSE/SNT) on this page. Market-directory data, when present, is not a substitute for a reviewed stock analysis.

Market cap	44.1B
Revenue (ttm)	61.2B
Net income (ttm)	4.1B
EPS (ttm)	ZAC 36.8
Shares out	109.2M
P/E (trailing)	11.0x
P/E (forward)	11.1x
Dividend	ZAC 16.8 (4.16%)
Volume	70,879

Metric	Value
Country	South Africa
Country code	ZA
Employees	6,043
Employees Change	241%
Employees Change Percent	4.19
Enterprise value	ZAc 45.7B
Exchange	Johannesburg Stock Exchange
Financial currency	ZAR
First seen	2026-05-10
Industry	Insurance - Specialty
Isin	ZAE000093779
Last refreshed	2026-07-31
Market cap	ZAc 44.1B
Price	ZAc 40,242
Price currency	ZAc
Rev Per Employee	10,133,377.46x
Sector	Financials
Sector PE	13.18
Sector PE Fwd	11.27
Sic	6331
Symbol	jse/SNT
Website	https://www.santam.co.za

Metric	Value
Earnings Yield	9.2%
EV Earnings	11.27x
EV/EBIT	4.12x
EV/EBITDA	4.02x
EV/FCF	19.34x
EV/Sales	0.75x
FCF yield	5.36%
Forward P/E	11.07x
P/B ratio	2.66x
P/E ratio	10.99x
P/S ratio	0.72x
PE Ratio10 Y	17.73x
PE Ratio3 Y	11.71x
PE Ratio5 Y	18.71x
PEG ratio	1.58x

Metric	Value
EBIT Margin	17.88%
EBITDA Margin	18.1%
FCF margin	3.86%
Gross margin	19.85%
Gross Profit	ZAc 12.2B
Net Income	ZAc 4.1B
Net Income Growth	10.33%
Net Income Growth Q	2.7%
Net Income Growth Quarters	2%
Net Income Growth Years	3%
Net Income Growth3 Y	20.32%
Net Income Growth5 Y	29.12%
Pretax Margin	12.32%
Profit Margin	6.63%
Profit Per Employee	ZAc 671,686
Profitable Quarters	ZAc 48
Profitable Years	24
ROA	8.78
Roa5y	5.32
ROCE	41.2
ROE	33.08
Roe5y	26.79
ROIC	32.37
Roic5y	23.52

Metric	Value
Cagr10y	11.1%
Cagr15y	13.14%
Cagr1y	-1.83%
Cagr20y	15.83%
Cagr3y	17.97%
Cagr5y	17.34%
Div CAGR10	7.49%
Div CAGR3	8.73%
Div CAGR5	31.21%
EPS Growth	10.72
EPS Growth Q	3.07
EPS Growth Quarters	2
EPS Growth Years	3
EPS Growth3 Y	20.42
EPS Growth5 Y	29.3
FCF Growth	-34.17%
FCF Growth3 Y	-2.96%
FCF Growth5 Y	-8.39%
OCF Growth	-33.48%
OCF Growth10 Y	2.23%
OCF Growth3 Y	-2.39%
OCF Growth5 Y	-7.85%
Revenue Growth	7.97x
Revenue Growth Q	4.87x
Revenue Growth Quarters	1x
Revenue Growth Years	19x
Revenue Growth3 Y	16.47x
Revenue Growth5 Y	17.17x

JSE/SNT (JSE/SNT)

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Metric	Value
Asset Turnover	ZAc 0.79
Assets	ZAc 82.4B
Cash	ZAc 22B
Debt	ZAc 6.2B
Debt EBITDA	ZAc 0.55
Debt Equity	ZAc 0.37
Debt FCF	ZAc 2.6
Equity	ZAc 16.6B
Interest Coverage	3.83
Liabilities	ZAc 65.8B
Net Cash	ZAc -74M
Net Cash By Market Cap	ZAc -0.17
Net Debt EBITDA	ZAc 0.01
Net Debt Equity	ZAc 0
Net Debt FCF	ZAc 0.03
Tangible Book Value	ZAc 14.1B
Tangible Book Value Per Share	ZAc 129
WACC	8.73

Metric	Value
Current ratio	0.52
Net Working Capital	ZAc -31.2B
Quick ratio	0.41
Working Capital	ZAc -26.7B

Metric	Value
Buyback Yield	0.33%
Dividend Growth	10.53%
Dividend Growth Years	1%
Dividend per share	ZAc 16.8
Dividend Years	35
Dividend Yield	4.16%
Ex Div Date	2026-03-25
Last Dividend	ZAc 10.9
Payout Frequency	Semi-Annual
Payout Ratio	45.68%

Metric	Value
10Y total return	186.49%
1Y total return	-1.83%
200-day SMA	40,952.3
3Y total return	64.18%
50-day SMA	38,918.2
50-day SMA vs 200-day SMA	50under200
5Y total return	122.45%
All Time High	46,172
All Time High Change	-12.02%
All Time High Date	2026-02-11
All Time Low	415
All Time Low Change	9,687.95%
All Time Low Date	1992-01-03
ATR	688.7
Beta	0.25
Beta1y	0.15
Beta2y	0.23
Ch YTD	-4.97
High	40,781
High52	46,172
High52 Date	2026-02-11
High52ch	-12.84%
Low	40,066
Low52	36,011
Low52 Date	2026-06-05
Low52ch	11.75%
Ma50ch	4.37%
Price vs 200-day SMA	-0.81%
RSI	62.08
RSI Monthly	54.89
RSI Weekly	52.2
Sharpe ratio	-0.2x
Sortino ratio	0
Total Return	4.53%
Tr YTD	-2.31
Tr15y	537.07%
Tr1m	4.24%
Tr1w	2.39%
Tr3m	0.3%

Metric	Value
Analyst Count	5
Analyst Ratings	Hold
Operating Income	ZAc 10.9B
Operating margin	17.88
Price target	ZAc 44,933
Price Target Change	ZAc 11.66

Metric	Value
Float	36,575,316%
Net Borrowing	848,000,000
Shares Insiders	0.12%
Shares Institutions	78.83%
Shares Out	109,236,220
Shares Qo Q	0.27%
Shares Yo Y	-0.33%

Metric	Value
Adjusted FCF	ZAc 2.3B
Adjusted OCF	2,350,000,000
Average Volume	53,968.3x
Bv Per Share	137.7
CAPEX	ZAc -82M
Ch10y	74.34
Ch15y	208.9
Ch1m	4.24
Ch1w	2.39
Ch1y	-5.86
Ch20y	480.3
Ch3m	0.3
Ch3y	35.47
Ch5y	62.41
Ch6m	-5.97
Change	-0.41%
Change From Open	0.2
Close	40,409
Days Gap	-0.61
Dollar Volume	2,852,312,718
Earnings Date	2026-09-07
EBIT	ZAc 10.9B
EBITDA	ZAc 11.1B
EPS	ZAc 36.78
F Score	3
FCF	ZAc 2.4B
FCF EV Yield	5.17x
FCF Per Share	ZAc 21.66
Financing CF	-1,794,000,000
Fiscal Year End	December
Founded	1,918
Goodwill	795,000,000
Graham Number	35670.07282
Graham Upside	-11.85
Income Tax	ZAc 2.5B
Investing CF	-913,000,000
Is Primary Listing	1
Last Earnings Date	2026-03-05
Last Report Date	2025-12-31
Lynch Fair Value	ZAc 93,021
Lynch Upside	129.9
Ma150	40,753.2
Ma150ch	-0.33%
Ma20	39,805.3
Ma20ch	2.05%
Net CF	-302,000,000
Next Earnings Date	2026-09-07
Open	40,161
P FCF Ratio	18.66
P FCF Ratio SBC	19.46
P OCF Ratio	18.03
P OCF Ratio SBC	18.78
Payment Date	2026-03-30
Position In Range	24.62
Ppne	861,000,000
Price Date	2026-07-30
Price EBITDA	ZAc 3.98
Ptbv Ratio	3.14
Relative Volume	1.31x
Revenue	61,236,000,000x
SBC By Revenue	0.16x
Share Based Comp	98,000,000
Tax By Revenue	4.04x
Tax Rate	32.79%
Tr20y	1,790.17%
Tr6m	-3.34%
Volume	70,879