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. See SNT working capital ratio to evaluate short-term liquidity relative to the company's equity base.
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. For the complete balance sheet picture, see SNT asset base.
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. Explore long-term investment intensity of Santam to see how much of total assets are deployed in long-term investments.
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 |
|---|---|---|
|
Medibank Private Ltd
AU:MPL |
Insurance - Specialty | 10.63% |
|
NIB Holdings Ltd
AU:NHF |
Insurance - Specialty | 8.20% |
|
Helia Group Ltd
AU:HLI |
Insurance - Specialty | 20.28% |
|
Trisura Group Ltd
TO:TSU |
Insurance - Specialty | 30.84% |
|
Medibank Private Limited
F:MPV |
Insurance - Specialty | 4.79% |
|
AXIS Capital Holdings Limited
F:AXV |
Insurance - Specialty | 14.21% |
|
Essent Group Ltd.
F:EG0 |
Insurance - Specialty | 82.03% |
|
Assured Guaranty Ltd
F:DHU |
Insurance - Specialty | 15.79% |
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 ≈ $3.43 Million |
ZAC67.13 Billion ≈ $35.68 Million |
+4.87pp |
| 2022-12-31 | 4.76% | ZAC3.48 Billion ≈ $1.85 Million |
ZAC73.05 Billion ≈ $38.82 Million |
+3.19pp |
| 2021-12-31 | 1.57% | ZAC1.03 Billion ≈ $547.92K |
ZAC65.56 Billion ≈ $34.84 Million |
-2.39pp |
| 2020-12-31 | 3.96% | ZAC2.23 Billion ≈ $1.18 Million |
ZAC56.18 Billion ≈ $29.86 Million |
-1.92pp |
| 2019-12-31 | 5.88% | ZAC2.90 Billion ≈ $1.54 Million |
ZAC49.23 Billion ≈ $26.17 Million |
-0.61pp |
| 2018-12-31 | 6.49% | ZAC2.93 Billion ≈ $1.56 Million |
ZAC45.10 Billion ≈ $23.97 Million |
+0.88pp |
| 2017-12-31 | 5.61% | ZAC2.17 Billion ≈ $1.16 Million |
ZAC38.73 Billion ≈ $20.58 Million |
+0.96pp |
| 2016-12-31 | 4.65% | ZAC1.36 Billion ≈ $723.30K |
ZAC29.28 Billion ≈ $15.56 Million |
-3.54pp |
| 2015-12-31 | 8.19% | ZAC2.28 Billion ≈ $1.21 Million |
ZAC27.86 Billion ≈ $14.81 Million |
+8.15pp |
| 2014-12-31 | 0.04% | ZAC9.00 Million ≈ $4.78K |
ZAC25.18 Billion ≈ $13.38 Million |
-0.03pp |
| 2013-12-31 | 0.07% | ZAC15.00 Million ≈ $7.97K |
ZAC22.62 Billion ≈ $12.02 Million |
-16.15pp |
| 2011-12-31 | 16.22% | ZAC3.03 Billion ≈ $1.61 Million |
ZAC18.69 Billion ≈ $9.93 Million |
-9.93pp |
| 2010-12-31 | 26.15% | ZAC4.64 Billion ≈ $2.46 Million |
ZAC17.73 Billion ≈ $9.43 Million |
-0.51pp |
| 2009-12-31 | 26.66% | ZAC4.55 Billion ≈ $2.42 Million |
ZAC17.08 Billion ≈ $9.08 Million |
+7.88pp |
| 2008-12-31 | 18.78% | ZAC3.09 Billion ≈ $1.64 Million |
ZAC16.45 Billion ≈ $8.74 Million |
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About Santam
Santam Ltd, together with its subsidiaries, provides various general insurance products and services to individuals, commercial, and corporate markets in South Africa, rest of Africa, and internationally. It offers personal insurance, such as car insurance, home, contents insurance, building insurance, all risk insurance, watercraft insurance, drone insurance, travel insurance, and personal legal… Read more