Santam (SNT) — Cash Flow-to-Debt Ratio
Latest as of December 2025:
-0.01x
Santam (SNT) has a Cash Flow-to-Debt Ratio of -0.01x as of December 2025, meaning its operating cash flow of ZAC-525.00 Million could theoretically repay 0% of its total liabilities (ZAC65.81 Billion) in one year. Explore Santam long-term investment allocation to see how much of total assets are deployed in long-term investments.
CF-to-Debt Ratio
-0.01x
Operating CF / Total Liabilities
Operating Cash Flow
ZAC-525.00 Million
ZAC
Total Liabilities
ZAC65.81 Billion
ZAC
Data as of
Dec 2025
Most recent filing
Santam Cash Flow-to-Debt Ratio (2002–2025)
Historical debt coverage capacity for Santam across 24 annual periods. Also explore Santam (SNT) total assets for the complete picture of this company's asset base.
Annual Cash Flow-to-Debt Ratio for Santam (2002–2025)
Year-by-year debt coverage analysis for Santam. For market capitalisation and broader financial context, see how much is Santam worth.
| Year | CF-to-Debt Ratio | Operating CF (ZAC) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.04x | ZAC2.45 Billion | ZAC65.81 Billion | ▼ -40.0% |
| 2024 | 0.06x | ZAC3.68 Billion | ZAC59.36 Billion | ▲ +417.9% |
| 2023 | 0.01x | ZAC667.00 Million | ZAC55.72 Billion | ▼ -79.2% |
| 2022 | 0.06x | ZAC3.54 Billion | ZAC61.45 Billion | ▲ +63.7% |
| 2021 | 0.04x | ZAC1.88 Billion | ZAC53.50 Billion | ▲ +44.0% |
| 2020 | 0.02x | ZAC1.13 Billion | ZAC46.09 Billion | ▼ -66.9% |
| 2019 | 0.07x | ZAC2.90 Billion | ZAC39.17 Billion | ▲ +132.6% |
| 2018 | 0.03x | ZAC1.14 Billion | ZAC35.73 Billion | ▼ -60.7% |
| 2017 | 0.08x | ZAC2.49 Billion | ZAC30.80 Billion | ▲ +33.6% |
| 2016 | 0.06x | ZAC1.33 Billion | ZAC21.93 Billion | ▼ -54.0% |
| 2015 | 0.13x | ZAC2.54 Billion | ZAC19.31 Billion | ▲ +21.1% |
| 2014 | 0.11x | ZAC1.93 Billion | ZAC17.74 Billion | ▲ +37.0% |
| 2013 | 0.08x | ZAC1.28 Billion | ZAC16.08 Billion | ▼ -35.4% |
| 2012 | 0.12x | ZAC1.74 Billion | ZAC14.12 Billion | ▼ -3.0% |
| 2011 | 0.13x | ZAC1.59 Billion | ZAC12.55 Billion | ▲ +25.4% |
| 2010 | 0.10x | ZAC1.26 Billion | ZAC12.52 Billion | ▼ -23.8% |
| 2009 | 0.13x | ZAC1.61 Billion | ZAC12.14 Billion | ▲ +126.2% |
| 2008 | 0.06x | ZAC706.00 Million | ZAC12.05 Billion | ▼ -56.8% |
| 2007 | 0.14x | ZAC1.81 Billion | ZAC13.31 Billion | ▼ -14.1% |
| 2006 | 0.16x | ZAC1.59 Billion | ZAC10.07 Billion | ▼ -10.4% |
| 2005 | 0.18x | ZAC1.59 Billion | ZAC9.01 Billion | ▼ -14.9% |
| 2004 | 0.21x | ZAC1.46 Billion | ZAC7.06 Billion | ▲ +28.9% |
| 2003 | 0.16x | ZAC1.08 Billion | ZAC6.70 Billion | ▲ +23.3% |
| 2002 | 0.13x | ZAC717.11 Million | ZAC5.50 Billion | — |
Cash Flow-to-Debt Ratio = Operating Cash Flow / Total Liabilities. Higher is better for debt service capacity.