Santam (SNT) - Total Liabilities
Based on the latest financial reports, Santam (SNT) has total liabilities worth ZAC65.81 Billion ZAC (≈ $34.98 Million USD) as of December 2025. Total liabilities represent everything the company owes to external parties, combining both current liabilities—like accounts payable, short-term debt, and accrued expenses—and non-current liabilities such as long-term debt, pension obligations, lease liabilities, and deferred tax liabilities. Explore SNT cash flow metrics to assess how effectively this company generates cash.
Santam - Total Liabilities Trend (2002–2025)
This chart illustrates how Santam's total liabilities have evolved over time, based on quarterly financial data. Check asset resilience ratio of Santam to evaluate the company's liquid asset resilience ratio.
Santam Competitors by Total Liabilities
The table below lists competitors of Santam ranked by their total liabilities.
| Company | Country | Total Liabilities |
|---|---|---|
|
Jiaozuo Wanfang Aluminum
SHE:000612
|
China | CN¥1.14 Billion |
|
Dermapharm Holding SE
XETRA:DMP
|
Germany | €1.49 Billion |
|
Inv La Constru
SN:ILC
|
Chile | CL$16.08 Trillion |
|
Piramal Pharma Limited
NSE:PPLPHARMA
|
India | Rs81.16 Billion |
|
Bayer Cropscience Limited
NSE:BAYERCROP
|
India | Rs20.68 Billion |
|
XiAn Shaangu Power Co Ltd
SHG:601369
|
China | CN¥15.20 Billion |
|
Saigon Beer Alcohol Beverage Corp
VN:SAB
|
Vietnam | ₫10.32 Trillion |
|
Shanghai Haoyuan Chemexpress Co. Ltd. A
SHG:688131
|
China | CN¥2.94 Billion |
Liability Composition Analysis (2002–2025)
This chart breaks down Santam's total liabilities into key components over time: long-term debt, short-term debt, other current liabilities, and other non-current liabilities. Toggle between absolute values and percentage view to see how the composition has shifted. For the full company profile including market capitalisation, see SNT stock market capitalisation.
Liquidity & Leverage Metrics
Key Metrics Explained
| Metric | Value | Description |
|---|---|---|
| Current Ratio | N/A | Measures ability to pay short-term obligations (Current Assets ÷ Current Liabilities) |
| Quick Ratio | N/A | More stringent measure of short-term liquidity ((Current Assets - Inventory) ÷ Current Liabilities) |
| Cash Ratio | N/A | Most conservative liquidity measure (Cash & Equivalents ÷ Current Liabilities) |
| Debt to Equity | 4.37 | Measures financial leverage (Total Liabilities ÷ Shareholder Equity) |
| Debt to Assets | 0.80 | Portion of assets financed with debt (Total Liabilities ÷ Total Assets) |
Liability Trends Comparison
This chart compares key liability metrics across different time periods, showing how Santam's debt structure has evolved. The comparison includes total liabilities, long-term debt, and current liabilities.
Annual Total Liabilities for Santam (2002–2025)
The table below shows the annual total liabilities of Santam from 2002 to 2025.
| Year | Total Liabilities | Change |
|---|---|---|
| 2025-12-31 | ZAC65.81 Billion ≈ $34.98 Million |
+10.86% |
| 2024-12-31 | ZAC59.36 Billion ≈ $31.55 Million |
+6.53% |
| 2023-12-31 | ZAC55.72 Billion ≈ $29.61 Million |
-9.32% |
| 2022-12-31 | ZAC61.45 Billion ≈ $32.66 Million |
+14.87% |
| 2021-12-31 | ZAC53.50 Billion ≈ $28.43 Million |
+16.07% |
| 2020-12-31 | ZAC46.09 Billion ≈ $24.49 Million |
+17.66% |
| 2019-12-31 | ZAC39.17 Billion ≈ $20.82 Million |
+9.62% |
| 2018-12-31 | ZAC35.73 Billion ≈ $18.99 Million |
+16.00% |
| 2017-12-31 | ZAC30.80 Billion ≈ $16.37 Million |
+40.46% |
| 2016-12-31 | ZAC21.93 Billion ≈ $11.66 Million |
+13.57% |
| 2015-12-31 | ZAC19.31 Billion ≈ $10.26 Million |
+8.83% |
| 2014-12-31 | ZAC17.74 Billion ≈ $9.43 Million |
+10.32% |
| 2013-12-31 | ZAC16.08 Billion ≈ $8.55 Million |
+13.91% |
| 2012-12-31 | ZAC14.12 Billion ≈ $7.50 Million |
+12.53% |
| 2011-12-31 | ZAC12.55 Billion ≈ $6.67 Million |
+0.26% |
| 2010-12-31 | ZAC12.52 Billion ≈ $6.65 Million |
+3.07% |
| 2009-12-31 | ZAC12.14 Billion ≈ $6.45 Million |
+0.81% |
| 2008-12-31 | ZAC12.05 Billion ≈ $6.40 Million |
-9.49% |
| 2007-12-31 | ZAC13.31 Billion ≈ $7.07 Million |
+32.22% |
| 2006-12-31 | ZAC10.07 Billion ≈ $5.35 Million |
+11.77% |
| 2005-12-31 | ZAC9.01 Billion ≈ $4.79 Million |
+27.49% |
| 2004-12-31 | ZAC7.06 Billion ≈ $3.75 Million |
+5.44% |
| 2003-12-31 | ZAC6.70 Billion ≈ $3.56 Million |
+21.77% |
| 2002-12-31 | ZAC5.50 Billion ≈ $2.92 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