Santam (SNT) — Cash Flow Quality Index
Latest as of June 2026:
1.11x
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. Explore cash flow to debt ratio of Santam to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
1.11x
Operating CF / Net Income
Operating Cash Flow
ZAC2.44 Billion
ZAC
Net Income
ZAC2.19 Billion
ZAC
Data as of
Jun 2026
Most recent filing
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. For the full cash flow conversion analysis, see cash efficiency ratio of Santam.
Annual Cash Flow Quality Index for Santam (2002–2025)
Year-by-year earnings quality comparison for 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 | — |
Cash Flow Quality Index = Operating Cash Flow / Net Income. Ratios above 1.0x indicate cash-backed earnings.