Santam (NAM:SNM) Debt-to-Asset : 0.06 (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

NAM:SNM Santam Ltd NAM:SNM
94 GF Score
Price R411.00
GF Value R474.00
Valuation Modestly Undervalued
! 3 Warning Signs
View Full Analysis

What is Santam Debt-to-Asset?

Santam NAM:SNM -0.96% 94 Debt-to-Asset is 0.06 as of Jun. 2026. GuruFocus rates NAM:SNM with a GF Score™ of 94/100 and a GF Value™ of R474.00 (Modestly Undervalued). The stock has 3 warning signs investors should review.

Santam's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was R0 Mil. Santam's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was R4,916 Mil. Santam's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Jun. 2026 was R85,736 Mil. Santam's debt to asset for the quarter that ended in Jun. 2026 was 0.06.

Santam  (NAM:SNM) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

Santam Debt-to-Asset Related Terms

Santam Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for Santam's Debt-to-Asset can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Santam Debt-to-Asset Chart

Santam Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.06 0.05 0.06 0.06 0.06

Santam Semi-Annual Data
Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25 Jun26
Debt-to-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.06 0.06 0.05 0.06 0.06

NAM:SNM vs FNF, RYAN, FAF: Debt-to-Asset Comparison

For the Insurance - Specialty subindustry, Santam's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset 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.

Santam Debt-to-Asset vs Insurance Industry

For the Insurance industry and Financial Services sector, Santam's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where Santam's Debt-to-Asset falls into.


NAM:SNM
94GF Score
Santam Ltd NAM:SNM
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Santam Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

Santam's Debt-to-Asset for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 5132) / 82392
=0.06

Santam's Debt-to-Asset for the quarter that ended in Jun. 2026 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 4916) / 85736
=0.06

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Debt-to-Asset →
What does a Debt-to-Asset of 0.06 mean?
Santam (NAM:SNM) has a Debt-to-Asset of 0.06 as of Jun. 2026. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Santam and its competitors.
Is Santam's Debt-to-Asset too high?
Santam's current Debt-to-Asset is 0.06. Overall, Santam has a GF Score™ of 94/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Santam's Debt-to-Asset compare to FNF and RYAN?
Santam's Debt-to-Asset of 0.06 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Asset for an Insurance company?
A good Debt-to-Asset depends on the Insurance industry context. However, Debt-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Santam and its competitors. Santam's current Debt-to-Asset is 0.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Santam stock overvalued right now?
Based on GuruFocus' analysis, Santam (NAM:SNM) is currently considered Modestly Undervalued. The stock's GF Value™ is R474.00, compared to a current price of R411.00 — trading 13.3% below its estimated fair value. The current Debt-to-Asset is 0.06. Santam's overall GF Score™ is 94/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For Santam (NAM:SNM), the current Debt-to-Asset is 0.06 as of Jun. 2026. 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 Santam (NAM:SNM) Overvalued in 2026?

Based on GuruFocus' analysis, Santam stock appears to be undervalued. The current stock price of R411.00 is trading 13.3% below its estimated GF Value™ of R474.00. GuruFocus considers Santam to be Modestly Undervalued.

Key valuation signals for NAM:SNM:

  • Debt-to-Asset: 0.06
  • GF Value™: R474.00 vs. price of R411.00 (13.3% below fair value)
  • GF Score™: 94/100 with 3 warning signs

No single metric tells the full story. See the NAM:SNM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Santam Business Description

Other Exchanges SNT:South Africa
Address 1 Sportica Crescent, PO Box: 3881, Tyger Valley, Bellville, Cape Town, ZAF, 7530
Santam Ltd is a South African general insurance group. The company offers a range of policies against eventualities such as property damage, motor accidents, loss of income, crop losses, and catastrophe events, as well as reinsurance. The company helps mitigate risk to protect and grow financial well-being, and clients' insured losses are paid out of invested premiums.
94GF Score

Get the complete analysis for NAM:SNM

Debt-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

R411.00
Price
R474.00
GF Value