Santam (SNT) — Financial Flexibility Index
Santam (SNT) has a Financial Flexibility Index of 0.04x as of June 2026. Free cash flow of ZAC2.47 Billion (operating CF ZAC2.44 Billion minus capex ZAC32.00 Million) represents 0% of total liabilities (ZAC68.30 Billion). Check SNT cash reinvestment to operating cash ratio to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Santam Financial Flexibility Index (2002–2025)
Historical Financial Flexibility Index trend for Santam across 24 annual periods. For the full cash flow conversion analysis, see Santam (SNT) cash conversion ratio.
Annual Financial Flexibility Index for Santam (2002–2025)
Year-by-year free cash flow to debt coverage for Santam. Explore how well can Santam service its debt to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (ZAC) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.04x | ZAC2.54 Billion | ZAC2.45 Billion | ZAC65.81 Billion | ▼ -39.6% |
| 2024 | 0.06x | ZAC3.80 Billion | ZAC3.68 Billion | ZAC59.36 Billion | ▲ +280.2% |
| 2023 | 0.02x | ZAC938.00 Million | ZAC667.00 Million | ZAC55.72 Billion | ▼ -71.9% |
| 2022 | 0.06x | ZAC3.68 Billion | ZAC3.54 Billion | ZAC61.45 Billion | ▲ +60.8% |
| 2021 | 0.04x | ZAC1.99 Billion | ZAC1.88 Billion | ZAC53.50 Billion | ▲ +34.8% |
| 2020 | 0.03x | ZAC1.27 Billion | ZAC1.13 Billion | ZAC46.09 Billion | ▼ -64.1% |
| 2019 | 0.08x | ZAC3.02 Billion | ZAC2.90 Billion | ZAC39.17 Billion | ▲ +124.7% |
| 2018 | 0.03x | ZAC1.23 Billion | ZAC1.14 Billion | ZAC35.73 Billion | ▼ -59.2% |
| 2017 | 0.08x | ZAC2.59 Billion | ZAC2.49 Billion | ZAC30.80 Billion | ▲ +28.1% |
| 2016 | 0.07x | ZAC1.44 Billion | ZAC1.33 Billion | ZAC21.93 Billion | ▼ -52.5% |
| 2015 | 0.14x | ZAC2.67 Billion | ZAC2.54 Billion | ZAC19.31 Billion | ▲ +16.7% |
| 2014 | 0.12x | ZAC2.10 Billion | ZAC1.93 Billion | ZAC17.74 Billion | ▲ +37.6% |
| 2013 | 0.09x | ZAC1.38 Billion | ZAC1.28 Billion | ZAC16.08 Billion | ▼ -33.6% |
| 2012 | 0.13x | ZAC1.83 Billion | ZAC1.74 Billion | ZAC14.12 Billion | ▼ -1.9% |
| 2011 | 0.13x | ZAC1.66 Billion | ZAC1.59 Billion | ZAC12.55 Billion | ▲ +27.9% |
| 2010 | 0.10x | ZAC1.29 Billion | ZAC1.26 Billion | ZAC12.52 Billion | ▼ -23.9% |
| 2009 | 0.14x | ZAC1.65 Billion | ZAC1.61 Billion | ZAC12.14 Billion | ▲ +116.7% |
| 2008 | 0.06x | ZAC754.00 Million | ZAC706.00 Million | ZAC12.05 Billion | ▼ -54.7% |
| 2007 | 0.14x | ZAC1.84 Billion | ZAC1.81 Billion | ZAC13.31 Billion | ▼ -13.5% |
| 2006 | 0.16x | ZAC1.61 Billion | ZAC1.59 Billion | ZAC10.07 Billion | ▼ -10.5% |
| 2005 | 0.18x | ZAC1.61 Billion | ZAC1.59 Billion | ZAC9.01 Billion | ▼ -15.7% |
| 2004 | 0.21x | ZAC1.50 Billion | ZAC1.46 Billion | ZAC7.06 Billion | ▲ +27.3% |
| 2003 | 0.17x | ZAC1.11 Billion | ZAC1.08 Billion | ZAC6.70 Billion | ▲ +23.8% |
| 2002 | 0.13x | ZAC739.41 Million | ZAC717.11 Million | ZAC5.50 Billion | — |