NAM:SNM (South Africa)
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Business Description
Description
Santam Ltd is an insurance provider that generates roughly 90% of its premiums in South Africa. Insurance premiums make up the vast majority of Santam's revenue. The company also generates investment income by investing the premiums. Santam exclusively offers general insurance products that provide benefits under short-term policies. Premiums are split between commercial insurance, which provides coverage on assets and liabilities of business enterprises, and personal insurance, which covers people and their property.
Financial Strength
9/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Cash-To-Debt | 1.36 | |||||
| Equity-to-Asset | 0.14 | |||||
| Debt-to-Equity | 0.33 | |||||
| Debt-to-EBITDA | 0.81 | |||||
| Interest Coverage | 12.57 | |||||
| Piotroski F-Score | 7/9 | |||||
| Beneish M-Score | -3.08 | |||||
| WACC vs ROIC | ||||||
Growth Rank
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | 5.7 | |||||
| 3-Year EBITDA Growth Rate | 7.5 | |||||
| 3-Year EPS without NRI Growth Rate | 4.3 | |||||
| 3-Year FCF Growth Rate | 19.4 | |||||
| 3-Year Book Growth Rate | 9 |
Momentum Rank
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 96.89 | |||||
| 9-Day RSI | 92.74 | |||||
| 14-Day RSI | 87.22 | |||||
| 6-1 Month Momentum % | 3.28 | |||||
| 12-1 Month Momentum % | -5.58 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Dividend Yield % | 4.4 | |||||
| Dividend Payout Ratio | 0.59 | |||||
| 3-Year Dividend Growth Rate | -4.1 | |||||
| Forward Dividend Yield % | 4.4 | |||||
| 5-Year Yield-on-Cost % | 4.1 | |||||
| 3-Year Average Share Buyback Ratio | 0.1 |
Profitability Rank
8/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Net Margin % | 7.32 | |||||
| ROE % | 21.65 | |||||
| ROA % | 3.49 | |||||
| ROIC % | 4.67 | |||||
| Years of Profitability over Past 10-Year | 10 |
GF Value Rank
10/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 13.93 | |||||
| PE Ratio without NRI | 13.51 | |||||
| Shiller PE Ratio | 15.63 | |||||
| Price-to-Owner-Earnings | 15.64 | |||||
| PEG Ratio | 1.48 | |||||
| PS Ratio | 1.02 | |||||
| PB Ratio | 3.16 | |||||
| Price-to-Tangible-Book | 3.7 | |||||
| Price-to-Free-Cash-Flow | 12.53 | |||||
| Price-to-Operating-Cash-Flow | 11.87 | |||||
| EV-to-EBIT | 7.54 | |||||
| EV-to-EBITDA | 7.43 | |||||
| EV-to-Revenue | 0.98 | |||||
| EV-to-FCF | 11.98 | |||||
| Price-to-Projected-FCF | 1.31 | |||||
| Price-to-DCF (Earnings Based) | 1.09 | |||||
| Price-to-DCF (FCF Based) | 1 | |||||
| Price-to-Median-PS-Value | 0.85 | |||||
| Price-to-Peter-Lynch-Fair-Value | 1.32 | |||||
| Price-to-Graham-Number | 1.53 | |||||
| Earnings Yield (Greenblatt) % | 13.26 | |||||
| Forward Rate of Return (Yacktman) % | 13.23 |
