Santam (SNT) — Cash Flow Quality Index
Santam (SNT) has a Cash Flow Quality Index of -0.26x as of December 2025. Operating cash flow of ZAC-525.00 Million is below net income of ZAC2.01 Billion, suggesting accrual-heavy earnings not yet converted to cash. Explore Santam (SNT) investment intensity to see how much of total assets are deployed in long-term investments.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Santam Cash Flow Quality Index (2002–2025)
Historical Cash Flow Quality Index for Santam across 24 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check Santam tangible book value ratio to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for Santam (2002–2025)
Year-by-year earnings quality comparison for Santam. For live market cap and the full company financial profile, see market value of Santam.
| Year | Quality Index | Operating CF (ZAC) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 0.60x | ZAC2.45 Billion | ZAC4.06 Billion | ▼ -2.5% |
| 2024 | 0.62x | ZAC3.68 Billion | ZAC5.95 Billion | ▲ +135.9% |
| 2023 | 0.26x | ZAC667.00 Million | ZAC2.54 Billion | ▼ -74.2% |
| 2022 | 1.02x | ZAC3.54 Billion | ZAC3.48 Billion | ▲ +133.0% |
| 2021 | 0.44x | ZAC1.88 Billion | ZAC4.32 Billion | ▼ -44.0% |
| 2020 | 0.78x | ZAC1.13 Billion | ZAC1.45 Billion | ▼ -6.5% |
| 2019 | 0.83x | ZAC2.90 Billion | ZAC3.48 Billion | ▲ +158.2% |
| 2018 | 0.32x | ZAC1.14 Billion | ZAC3.52 Billion | ▼ -70.3% |
| 2017 | 1.09x | ZAC2.49 Billion | ZAC2.30 Billion | ▼ -0.9% |
| 2016 | 1.10x | ZAC1.33 Billion | ZAC1.21 Billion | ▲ +45.3% |
| 2015 | 0.75x | ZAC2.54 Billion | ZAC3.37 Billion | ▼ -9.0% |
| 2014 | 0.83x | ZAC1.93 Billion | ZAC2.33 Billion | ▼ -4.3% |
| 2013 | 0.87x | ZAC1.28 Billion | ZAC1.47 Billion | ▼ -48.7% |
| 2012 | 1.69x | ZAC1.74 Billion | ZAC1.03 Billion | ▲ +100.9% |
| 2011 | 0.84x | ZAC1.59 Billion | ZAC1.89 Billion | ▲ +61.4% |
| 2010 | 0.52x | ZAC1.26 Billion | ZAC2.43 Billion | ▼ -63.9% |
| 2009 | 1.44x | ZAC1.61 Billion | ZAC1.12 Billion | ▲ +47.9% |
| 2008 | 0.98x | ZAC706.00 Million | ZAC724.00 Million | ▼ -43.3% |
| 2007 | 1.72x | ZAC1.81 Billion | ZAC1.05 Billion | ▲ +102.0% |
| 2006 | 0.85x | ZAC1.59 Billion | ZAC1.87 Billion | ▼ -3.4% |
| 2005 | 0.88x | ZAC1.59 Billion | ZAC1.80 Billion | ▲ +44.4% |
| 2004 | 0.61x | ZAC1.46 Billion | ZAC2.40 Billion | ▼ -30.8% |
| 2003 | 0.88x | ZAC1.08 Billion | ZAC1.22 Billion | ▼ -46.5% |
| 2002 | 1.65x | ZAC717.11 Million | ZAC434.77 Million | — |