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SanlamSLMAF 79 3-Year Book Growth Rate is 5.50% as of Dec. 2025, which is 31% below its 10-year median of 8.00. GuruFocus rates SLMAF with a GF Score™ of 79/100 and a GF Value™ of $5.23. The stock has 3 warning signs investors should review. Among 477 Insurance companies, Sanlam ranks worse than 65.83% on this metric.
During the past 12 months, Sanlam's average Book Value per Share Growth Rate was 0.60% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 5.50% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 8.30% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 6.80% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Sanlam was 20.70% per year. The lowest was 1.00% per year. And the median was 8.00% per year.
Sanlam (OTCPK:SLMAF) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Sanlam 3-Year Book Growth Rate Related Terms
SLMAF vs MET, AFL, PRU: 3-Year Book Growth Rate Comparison
For the Insurance - Life subindustry, Sanlam's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Sanlam 3-Year Book Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, Sanlam's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Sanlam's 3-Year Book Growth Rate falls into.
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 5.50% mean?
Sanlam (SLMAF) has a 3-Year Book Growth Rate of 5.50% as of Dec. 2025. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Sanlam and its competitors. This is 31% below median its historical median of 8.00. Over the past decade, Sanlam's 3-Year Book Growth Rate has ranged from 1.00 to 20.70. According to the industry distribution chart, Sanlam ranks #314 out of 477 companies in the Insurance industry, placing it in the top 65.8%.
Is Sanlam's 3-Year Book Growth Rate too high?
Sanlam's current 3-Year Book Growth Rate of 5.50% is 31% below median its 10-year median of 8.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 20.70. The Insurance industry median 3-Year Book Growth Rate is 8.30. Sanlam's value of 5.50% is 33.7% below this industry median. Based on the distribution chart, Sanlam ranks #314 out of 477 companies in the Insurance industry, which is below the industry midpoint. Overall, Sanlam has a GF Score™ of 79/100, reflecting its overall financial health beyond just this single metric.
How does Sanlam's 3-Year Book Growth Rate compare to MET and AFL?
According to the Insurance industry distribution chart, Sanlam ranks #314 out of 477 companies for 3-Year Book Growth Rate. This places Sanlam in the lower half of its industry. The industry median 3-Year Book Growth Rate is 8.30. Sanlam's value of 5.50% is 33.7% below this benchmark. Historically, Sanlam's own 3-Year Book Growth Rate has ranged from 1.00 to 20.70 over the past decade. While the company's 10-year median is 8.00 vs. the industry median of 8.30, Sanlam has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for an Insurance company?
The median 3-Year Book Growth Rate among Insurance companies is 8.30, based on 477 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sanlam's current 3-Year Book Growth Rate of 5.50% is 33.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Sanlam and its competitors. For the Insurance industry, the median 3-Year Book Growth Rate is 8.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sanlam's current 3-Year Book Growth Rate is 5.50%, which is 31% below median its own 10-year median of 8.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sanlam stock overvalued right now?
Sanlam (SLMAF) has a current 3-Year Book Growth Rate of 5.50%. The stock's GF Value™ is $5.23, compared to a current price of $3.48 — trading 33.5% below its estimated fair value. The current 3-Year Book Growth Rate is 5.50%, which is 31% below median its 10-year median of 8.00 and 33.7% below the Insurance industry median of 8.30. Sanlam's overall GF Score™ is 79/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Sanlam (SLMAF), the current 3-Year Book Growth Rate is 5.50% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Sanlam (SLMAF) Overvalued in 2026?
Based on GuruFocus' analysis, Sanlam stock appears to be undervalued.
The current stock price of $3.48 is trading 33.5% below its estimated GF Value™ of $5.23.
Key valuation signals for SLMAF:
3-Year Book Growth Rate: 5.50% (31% below median its 10-year median of 8.00)
GF Value™: $5.23 vs. price of $3.48 (33.5% below fair value)
Industry Position: 33.7% below the Insurance median (#314 of 477)
No single metric tells the full story. See the SLMAF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sanlam Ltd sells insurance products and provides investment and wealth management services. Its operating segments include Sanlam Life and Savings, Pan-Africa, Asia, Sanlam Investments, and Santam. It operates in South Africa, Pan-Africa, Asia, and International.
79GF Score
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