Santam
Santam Ltd, together with its subsidiaries, provides various general insurance products for individuals and businesses in South Africa, rest of Africa, Southeast Asia, India, the Middle East, and internationally. The company offers personal insurance products, such as car, building, home contents, watercraft, travel, and drone insurance; and all risk insurance for jewelry, mobile communication de… Read more
Santam (SNT) - Total Assets
Latest total assets as of December 2025: ZAC82.39 Billion ZAC
Based on the latest financial reports, Santam (SNT) holds total assets worth ZAC82.39 Billion ZAC as of December 2025.
Total assets represent everything the company owns and controls, combining both current assets—like cash and cash equivalents, accounts receivable, and inventories—and non-current assets such as property, plant, equipment (PP&E), intangible assets, and long-term investments.
Santam - Total Assets Trend (2002–2025)
This chart illustrates how Santam’s total assets have evolved over time, based on quarterly financial data. Explore and compare other companies by total assets.
Santam - Asset Composition Analysis
Current Asset Composition (December 2025)
Santam's total assets of ZAC82.39 Billion consist of 16.3% current assets and 83.8% non-current assets.
| Asset Category | Amount (ZAC) | % of Total Assets |
|---|---|---|
| Cash & Equivalents | ZAC0.00 | 7.4% |
| Accounts Receivable | ZAC7.30 Billion | 8.9% |
| Inventory | ZAC0.00 | 0.0% |
| Property, Plant & Equipment | ZAC0.00 | 0.0% |
| Intangible Assets | ZAC190.00 Million | 0.2% |
| Goodwill | ZAC795.00 Million | 1.0% |
Asset Composition Trend (2002–2025)
This chart illustrates how Santam's asset composition has evolved over time. Understanding changes in asset allocation can provide insights into the company's strategic shifts, capital allocation priorities, and business focus evolution.
Key Asset Composition Facts
- Current vs. Non-Current Assets: Santam's current assets represent 16.3% of total assets in 2025, a decrease from 25.5% in 2002.
- Cash Position: Cash and equivalents constituted 7.4% of total assets in 2025, down from 25.5% in 2002.
- Tangible vs. Intangible: Intangible assets (including goodwill) make up 0.0% of total assets, unchanged from 0.0% in 2002.
- Asset Diversification: The largest asset category is accounts receivable at 8.9% of total assets.
Santam Competitors by Total Assets
Key competitors of Santam based on total assets are shown below.
| Company | Country | Total Assets |
|---|---|---|
|
Syarikat Takaful Malaysia Bhd
KLSE:6139
|
Malaysia | RM17.81 Billion |
|
ACMAT Corporation
PINK:ACMT
|
USA | $50.58 Million |
|
Enact Holdings Inc
NASDAQ:ACT
|
USA | $6.89 Billion |
|
Assured Guaranty Ltd
NYSE:AGO
|
USA | $12.10 Billion |
|
Ambac Financial Group Inc
NYSE:AMBC
|
USA | $2.15 Billion |
|
AMERISAFE Inc
NASDAQ:AMSF
|
USA | $222.87 Million |
|
AXIS Capital Holdings Ltd
NYSE:AXS
|
USA | $32.32 Billion |
|
Beazley plc
PINK:BZLYF
|
USA | $16.22 Billion |
Santam - Asset Efficiency Metrics
Asset efficiency metrics measure how effectively a company uses its assets to generate revenue and profits. These indicators help investors evaluate management's ability to deploy capital efficiently.
Asset Turnover Ratio
Measures how efficiently a company uses its assets to generate sales
Strong asset utilization - Santam generates 0.74x its asset value in annual revenue.
Return on Assets (ROA)
Measures how efficiently a company uses its assets to generate profits
Moderate ROA - For every $100 in assets, Santam generates $ 4.93 in net profit.
Santam - Liquidity and Working Capital Analysis
Liquidity ratios measure a company's ability to pay off its short-term debts as they come due, using the company's current or quick assets. Working capital represents the operational liquidity available.
Key Liquidity Metrics
| Metric | Current | 1 Year Ago | 5 Years Ago |
|---|---|---|---|
| Current Ratio | 0.45 | 0.44 | 0.88 |
| Quick Ratio | 0.45 | 0.44 | 0.88 |
| Cash Ratio | 0.00 | 0.00 | 0.00 |
| Working Capital | ZAC-23.53 Billion | ZAC -19.35 Billion | ZAC -638.00 Million |
Santam - Advanced Valuation Insights
This section examines the relationship between Santam's asset base and its market valuation, helping to identify whether the company's assets are efficiently translated into market value.
Key Valuation Metrics
| Current Price-to-Book Ratio | 3.32 |
| Latest Market Cap to Assets Ratio | 0.00 |
| Asset Growth Rate (YoY) | 12.2% |
| Total Assets | ZAC82.39 Billion |
| Market Capitalization | $23.03 Million USD |
Valuation Analysis
Below Book Valuation: The market values Santam's assets below their book value (0.00 x), which may indicate investor concerns about asset quality or future growth.
Rapid Asset Growth: Santam's assets grew by 12.2% over the past year, indicating significant expansion of the company's resource base.
Annual Total Assets for Santam (2002–2025)
The table below shows the annual total assets of Santam from 2002 to 2025.
| Year | Total Assets | Change |
|---|---|---|
| 2025-12-31 | ZAC82.39 Billion | +12.19% |
| 2024-12-31 | ZAC73.44 Billion | +9.40% |
| 2023-12-31 | ZAC67.13 Billion | -8.10% |
| 2022-12-31 | ZAC73.05 Billion | +11.42% |
| 2021-12-31 | ZAC65.56 Billion | +16.69% |
| 2020-12-31 | ZAC56.18 Billion | +14.11% |
| 2019-12-31 | ZAC49.23 Billion | +9.17% |
| 2018-12-31 | ZAC45.10 Billion | +16.45% |
| 2017-12-31 | ZAC38.73 Billion | +32.29% |
| 2016-12-31 | ZAC29.28 Billion | +5.09% |
| 2015-12-31 | ZAC27.86 Billion | +10.62% |
| 2014-12-31 | ZAC25.18 Billion | +11.35% |
| 2013-12-31 | ZAC22.62 Billion | +14.59% |
| 2012-12-31 | ZAC19.74 Billion | +5.61% |
| 2011-12-31 | ZAC18.69 Billion | +5.38% |
| 2010-12-31 | ZAC17.73 Billion | +3.82% |
| 2009-12-31 | ZAC17.08 Billion | +3.85% |
| 2008-12-31 | ZAC16.45 Billion | -5.94% |
| 2007-12-31 | ZAC17.49 Billion | +3.99% |
| 2006-12-31 | ZAC16.82 Billion | +13.18% |
| 2005-12-31 | ZAC14.86 Billion | +18.59% |
| 2004-12-31 | ZAC12.53 Billion | +17.00% |
| 2003-12-31 | ZAC10.71 Billion | +20.10% |
| 2002-12-31 | ZAC8.92 Billion | -- |