Santam (SNT) - Total Assets
Based on the latest financial reports, Santam (SNT) holds total assets worth ZAC82.39 Billion ZAC (≈ $43.79 Million USD) 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. See Santam net assets for net asset value and shareholders' equity analysis.
Santam - Total Assets Trend (2002–2025)
This chart illustrates how Santam's total assets have evolved over time, based on quarterly financial data.
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. For live market cap, price, and company overview, see Santam market capitalisation.
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 |
|---|---|---|
|
NIB Holdings Ltd
AU:NHF
|
Australia | AU$2.19 Billion |
|
Medibank Private Ltd
AU:MPL
|
Australia | AU$4.26 Billion |
|
Helia Group Ltd
AU:HLI
|
Australia | AU$2.87 Billion |
|
Trisura Group Ltd
TO:TSU
|
Canada | CA$5.01 Billion |
|
Medibank Private Limited
F:MPV
|
Germany | €4.70 Billion |
|
AXIS Capital Holdings Limited
F:AXV
|
Germany | €34.34 Billion |
|
Essent Group Ltd.
F:EG0
|
Germany | €7.35 Billion |
|
Assured Guaranty Ltd
F:DHU
|
Germany | €12.10 Billion |
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 | 2.88 |
| Latest Market Cap to Assets Ratio | 0.03 |
| Asset Growth Rate (YoY) | 12.2% |
| Total Assets | ZAC82.39 Billion |
| Market Capitalization | $2.32 Billion USD |
Valuation Analysis
Below Book Valuation: The market values Santam's assets below their book value (0.03x), 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 ≈ $43.79 Million |
+12.19% |
| 2024-12-31 | ZAC73.44 Billion ≈ $39.03 Million |
+9.40% |
| 2023-12-31 | ZAC67.13 Billion ≈ $35.68 Million |
-8.10% |
| 2022-12-31 | ZAC73.05 Billion ≈ $38.82 Million |
+11.42% |
| 2021-12-31 | ZAC65.56 Billion ≈ $34.84 Million |
+16.69% |
| 2020-12-31 | ZAC56.18 Billion ≈ $29.86 Million |
+14.11% |
| 2019-12-31 | ZAC49.23 Billion ≈ $26.17 Million |
+9.17% |
| 2018-12-31 | ZAC45.10 Billion ≈ $23.97 Million |
+16.45% |
| 2017-12-31 | ZAC38.73 Billion ≈ $20.58 Million |
+32.29% |
| 2016-12-31 | ZAC29.28 Billion ≈ $15.56 Million |
+5.09% |
| 2015-12-31 | ZAC27.86 Billion ≈ $14.81 Million |
+10.62% |
| 2014-12-31 | ZAC25.18 Billion ≈ $13.38 Million |
+11.35% |
| 2013-12-31 | ZAC22.62 Billion ≈ $12.02 Million |
+14.59% |
| 2012-12-31 | ZAC19.74 Billion ≈ $10.49 Million |
+5.61% |
| 2011-12-31 | ZAC18.69 Billion ≈ $9.93 Million |
+5.38% |
| 2010-12-31 | ZAC17.73 Billion ≈ $9.43 Million |
+3.82% |
| 2009-12-31 | ZAC17.08 Billion ≈ $9.08 Million |
+3.85% |
| 2008-12-31 | ZAC16.45 Billion ≈ $8.74 Million |
-5.94% |
| 2007-12-31 | ZAC17.49 Billion ≈ $9.29 Million |
+3.99% |
| 2006-12-31 | ZAC16.82 Billion ≈ $8.94 Million |
+13.18% |
| 2005-12-31 | ZAC14.86 Billion ≈ $7.90 Million |
+18.59% |
| 2004-12-31 | ZAC12.53 Billion ≈ $6.66 Million |
+17.00% |
| 2003-12-31 | ZAC10.71 Billion ≈ $5.69 Million |
+20.10% |
| 2002-12-31 | ZAC8.92 Billion ≈ $4.74 Million |
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About Santam
Santam Ltd, together with its subsidiaries, provides various general insurance products and services to individuals, commercial, and corporate markets in South Africa, rest of Africa, and internationally. It offers personal insurance, such as car insurance, home, contents insurance, building insurance, all risk insurance, watercraft insurance, drone insurance, travel insurance, and personal legal… Read more