Santam (SNT) — Net Asset Quality Index
Santam (SNT) has a Net Asset Quality Index of 20.1% as of December 2025. This metric measures the proportion of total assets financed by shareholders' equity — total assets of ZAC82.39 Billion minus total liabilities of ZAC65.81 Billion yields net assets of ZAC16.58 Billion. A higher index indicates a stronger, lower-leverage balance sheet. Check how resilient are Santam's assets to evaluate the company's liquid asset resilience ratio.
Quality Index
Net Assets
Total Assets
Total Liabilities
Santam Net Asset Quality Index Over Time (2002–2025)
This chart shows how Santam's Net Asset Quality Index has evolved across 24 annual periods from 2002 to 2025. As of December 2025, the index stands at 20.1%, representing net assets of ZAC16.58 Billion against total assets of ZAC82.39 Billion ZAC. See SNT working capital efficiency to evaluate short-term liquidity relative to the company's equity base.
Annual Net Asset Quality Index for Santam (2002–2025)
The table below presents the year-by-year Net Asset Quality Index for Santam from 2002 to 2025, covering 24 annual filings. Each row shows total assets, total liabilities, net assets, the quality index percentage, and the change in percentage points compared to the prior year. For market capitalisation and the full company profile, see Santam market capitalisation.
| Year | Quality Index | Net Assets (ZAC) | Total Assets | Total Liabilities | Change (pp) |
|---|---|---|---|---|---|
| 2025 | 20.1% | ZAC16.58 Billion | ZAC82.39 Billion | ZAC65.81 Billion | ▲ +1.0 pp |
| 2024 | 19.2% | ZAC14.07 Billion | ZAC73.44 Billion | ZAC59.36 Billion | ▲ +2.2 pp |
| 2023 | 17.0% | ZAC11.41 Billion | ZAC67.13 Billion | ZAC55.72 Billion | ▲ +1.1 pp |
| 2022 | 15.9% | ZAC11.60 Billion | ZAC73.05 Billion | ZAC61.45 Billion | ▼ -2.5 pp |
| 2021 | 18.4% | ZAC12.06 Billion | ZAC65.56 Billion | ZAC53.50 Billion | ▲ +0.4 pp |
| 2020 | 18.0% | ZAC10.09 Billion | ZAC56.18 Billion | ZAC46.09 Billion | ▼ -2.5 pp |
| 2019 | 20.4% | ZAC10.06 Billion | ZAC49.23 Billion | ZAC39.17 Billion | ▼ -0.3 pp |
| 2018 | 20.8% | ZAC9.37 Billion | ZAC45.10 Billion | ZAC35.73 Billion | ▲ +0.3 pp |
| 2017 | 20.5% | ZAC7.92 Billion | ZAC38.73 Billion | ZAC30.80 Billion | ▼ -4.6 pp |
| 2016 | 25.1% | ZAC7.34 Billion | ZAC29.28 Billion | ZAC21.93 Billion | ▼ -5.6 pp |
| 2015 | 30.7% | ZAC8.55 Billion | ZAC27.86 Billion | ZAC19.31 Billion | ▲ +1.1 pp |
| 2014 | 29.5% | ZAC7.44 Billion | ZAC25.18 Billion | ZAC17.74 Billion | ▲ +0.7 pp |
| 2013 | 28.9% | ZAC6.53 Billion | ZAC22.62 Billion | ZAC16.08 Billion | ▲ +0.4 pp |
| 2012 | 28.5% | ZAC5.62 Billion | ZAC19.74 Billion | ZAC14.12 Billion | ▼ -4.4 pp |
| 2011 | 32.9% | ZAC6.14 Billion | ZAC18.69 Billion | ZAC12.55 Billion | ▲ +3.4 pp |
| 2010 | 29.4% | ZAC5.22 Billion | ZAC17.73 Billion | ZAC12.52 Billion | ▲ +0.5 pp |
| 2009 | 28.9% | ZAC4.94 Billion | ZAC17.08 Billion | ZAC12.14 Billion | ▲ +2.2 pp |
| 2008 | 26.8% | ZAC4.40 Billion | ZAC16.45 Billion | ZAC12.05 Billion | ▲ +2.9 pp |
| 2007 | 23.9% | ZAC4.18 Billion | ZAC17.49 Billion | ZAC13.31 Billion | ▼ -16.2 pp |
| 2006 | 40.1% | ZAC6.75 Billion | ZAC16.82 Billion | ZAC10.07 Billion | ▲ +0.8 pp |
| 2005 | 39.4% | ZAC5.85 Billion | ZAC14.86 Billion | ZAC9.01 Billion | ▼ -4.2 pp |
| 2004 | 43.6% | ZAC5.46 Billion | ZAC12.53 Billion | ZAC7.06 Billion | ▲ +6.2 pp |
| 2003 | 37.4% | ZAC4.01 Billion | ZAC10.71 Billion | ZAC6.70 Billion | ▼ -0.9 pp |
| 2002 | 38.3% | ZAC3.41 Billion | ZAC8.92 Billion | ZAC5.50 Billion | — |