Santam (SNT) — Financial Flexibility Index
Santam (SNT) has a Financial Flexibility Index of -0.01x as of December 2025. Free cash flow of ZAC-512.00 Million (operating CF ZAC-525.00 Million minus capex ZAC13.00 Million) represents 0% of total liabilities (ZAC65.81 Billion). Also explore Santam equity growth rate to track the company's year-over-year net asset growth rate.
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. Check SNT strategic asset allocation to assess the company's strategic physical and investment asset allocation.
Annual Financial Flexibility Index for Santam (2002–2025)
Year-by-year free cash flow to debt coverage for Santam. For the full company profile including market capitalisation, see Santam market capitalisation.
| Year | Flexibility Index | Free Cash Flow (ZAC) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.04x | ZAC2.53 Billion | ZAC2.45 Billion | ZAC65.81 Billion | ▼ -39.9% |
| 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 | — |