Santam Financial Flexibility Index
Santam 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). See Santam free cash flow generation to measure how efficiently the company converts operating cash flow to free cash.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of Santam (2002–2025)
Financial flexibility index of Santam from 2002 to 2025. Historical Financial Flexibility Index trend for Santam across 24 annual periods. Check SNT operating cash flow to net income to evaluate the quality of earnings relative to operating cash generation.
Santam Financial Flexibility Index by Year (2002–2025)
Santam financial flexibility index by year from 2002 to 2025. Year-by-year free cash flow to debt coverage for Santam. For the full cash flow conversion analysis, see SNT operating cash flow.
| 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 | — |