Santam Cash Flow Quality Index
Santam cash flow quality index. Santam (SNT) has a Cash Flow Quality Index of 1.11x as of June 2026. Operating cash flow of ZAC2.44 Billion exceeds net income of ZAC2.19 Billion, indicating high earnings quality where cash backs reported profits. See SNT financial flexibility score to measure the company's free cash flow as a share of total liabilities.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of Santam (2002–2025)
Cash flow quality index of Santam from 2002 to 2025. Historical Cash Flow Quality Index for Santam across 24 annual periods. Values consistently above 1.0x indicate high-quality earnings. Explore Santam (SNT) debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
Santam Cash Flow Quality Index by Year (2002–2025)
Santam cash flow quality index by year from 2002 to 2025. Year-by-year earnings quality comparison for Santam. For the full cash flow conversion analysis, see how efficiently does Santam generate cash.
| 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 | — |