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. See free cash flow generation of Santam to measure how efficiently the company converts operating cash flow to free cash.
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 equity growth rate to track the company's year-over-year net asset growth rate.
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 SNT market cap.
| 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.