Santam
Santam Ltd, together with its subsidiaries, provides various general insurance products for individuals and businesses in South Africa, rest of Africa, Southeast Asia, India, the Middle East, and internationally. The company offers personal insurance products, such as car, building, home contents, watercraft, travel, and drone insurance; and all risk insurance for jewelry, mobile communication de… Read more
Santam - Asset Resilience Ratio
Santam (SNT) has an Asset Resilience Ratio of 8.45% as of June 2024. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2008–2023)
This chart shows how Santam's Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
Liquid Assets Composition Over Time
This chart breaks down Santam's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | ZAC0.00 | 0% |
| Short-term Investments | ZAC5.88 Billion | 8.45% |
| Total Liquid Assets | ZAC5.88 Billion | 8.45% |
Asset Resilience Insights
- Limited Liquidity: Santam maintains only 8.45% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company has significant short-term investments, indicating active treasury management.
Santam Industry Peers by Asset Resilience Ratio
Compare Santam's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Syarikat Takaful Malaysia Bhd
KLSE:6139 |
Insurance - Specialty | 6.76% |
|
ACMAT Corporation
PINK:ACMT |
Insurance - Specialty | 10.59% |
|
Enact Holdings Inc
NASDAQ:ACT |
Insurance - Specialty | 26.14% |
|
Assured Guaranty Ltd
NYSE:AGO |
Insurance - Specialty | 19.30% |
|
Ambac Financial Group Inc
NYSE:AMBC |
Insurance - Specialty | 19.88% |
|
AMERISAFE Inc
NASDAQ:AMSF |
Insurance - Specialty | 39.23% |
|
AXIS Capital Holdings Ltd
NYSE:AXS |
Insurance - Specialty | 4.09% |
|
Beazley plc
PINK:BZLYF |
Insurance - Specialty | 0.00% |
Annual Asset Resilience Ratio for Santam (2008–2023)
The table below shows the annual Asset Resilience Ratio data for Santam.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2023-12-31 | 9.63% | ZAC6.46 Billion | ZAC67.13 Billion | +4.87pp |
| 2022-12-31 | 4.76% | ZAC3.48 Billion | ZAC73.05 Billion | +3.19pp |
| 2021-12-31 | 1.57% | ZAC1.03 Billion | ZAC65.56 Billion | -2.39pp |
| 2020-12-31 | 3.96% | ZAC2.23 Billion | ZAC56.18 Billion | -1.92pp |
| 2019-12-31 | 5.88% | ZAC2.90 Billion | ZAC49.23 Billion | -0.61pp |
| 2018-12-31 | 6.49% | ZAC2.93 Billion | ZAC45.10 Billion | +0.88pp |
| 2017-12-31 | 5.61% | ZAC2.17 Billion | ZAC38.73 Billion | +0.96pp |
| 2016-12-31 | 4.65% | ZAC1.36 Billion | ZAC29.28 Billion | -3.54pp |
| 2015-12-31 | 8.19% | ZAC2.28 Billion | ZAC27.86 Billion | +8.15pp |
| 2014-12-31 | 0.04% | ZAC9.00 Million | ZAC25.18 Billion | -0.03pp |
| 2013-12-31 | 0.07% | ZAC15.00 Million | ZAC22.62 Billion | -16.15pp |
| 2011-12-31 | 16.22% | ZAC3.03 Billion | ZAC18.69 Billion | -9.93pp |
| 2010-12-31 | 26.15% | ZAC4.64 Billion | ZAC17.73 Billion | -0.51pp |
| 2009-12-31 | 26.66% | ZAC4.55 Billion | ZAC17.08 Billion | +7.88pp |
| 2008-12-31 | 18.78% | ZAC3.09 Billion | ZAC16.45 Billion | -- |