Santam (NAM:SNM) Ending Cash Position: R6,083 Mil (As of Dec. 2025)

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NAM:SNM Santam Ltd NAM:SNM
80 GF Score
Price R404.09
GF Value R471.08
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Santam Ending Cash Position?

Santam NAM:SNM +0.91% 80 Ending Cash Position is R6,083 Mil as of Dec. 2025. GuruFocus rates NAM:SNM with a GF Score™ of 80/100 and a GF Value™ of R471.08 (Modestly Undervalued). The stock has 2 warning signs investors should review.

Santam's Ending Cash Position for the quarter that ended in Dec. 2025 was R6,083 Mil.

Santam's quarterly Ending Cash Position increased from Dec. 2024 (R6,385 Mil) to Jun. 2025 (R6,616 Mil) but then declined from Jun. 2025 (R6,616 Mil) to Dec. 2025 (R6,083 Mil).

Santam's annual Ending Cash Position increased from Dec. 2023 (R4,819 Mil) to Dec. 2024 (R6,385 Mil) but then declined from Dec. 2024 (R6,385 Mil) to Dec. 2025 (R6,083 Mil).

Santam Ending Cash Position Related Terms

Santam Ending Cash Position Historical Data

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The historical data trend for Santam's Ending Cash Position 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 Ending Cash Position Chart

Santam Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Ending Cash Position
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4,496.00 5,387.00 4,819.00 6,385.00 6,083.00

Santam Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Ending Cash Position 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 4,819.00 5,819.00 6,385.00 6,616.00 6,083.00
NAM:SNM
80GF Score
Santam Ltd NAM:SNM
Ending Cash Position is just one metric. See GF Score™, valuation, warning signs, and more.
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Santam Ending Cash Position Calculation

Ending Cash Position is the cash and cash equivalents balance at the end of the accounting period, as indicated on the Cash Flow statement. It is equal to the Beginning Cash Position plus the Net Change in Cash.

Santam's Ending Cash Position for the fiscal year that ended in Dec. 2025 is calculated as

Ending Cash Position= Beginning Cash Position+Net Change in Cash
=6385+-302
=6,083

Santam's Ending Cash Position for the quarter that ended in Dec. 2025 is calculated as

Ending Cash Position=Beginning Cash Position+Net Change in Cash
=6616+-533
=6,083

Frequently Asked Questions Learn more about Ending Cash Position →
What does a Ending Cash Position of R6,083 Mil mean?
Santam (NAM:SNM) has a Ending Cash Position of R6,083 Mil as of Dec. 2025. Ending Cash Position is the cash and cash equivalents balance at the end of the accounting period, as indicated on the Cash Flow statement. View historical data on Santam and its competitors.
Is Santam's Ending Cash Position too high?
Santam's current Ending Cash Position is R6,083 Mil. Overall, Santam has a GF Score™ of 80/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Santam's Ending Cash Position compare to FNF and AXS?
Santam's Ending Cash Position of R6,083 Mil 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 Ending Cash Position for an Insurance company?
A good Ending Cash Position depends on the Insurance industry context. However, Ending Cash Position 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 Ending Cash Position mean?
A high Ending Cash Position can signal that a stock is expensive relative to its fundamentals. Ending Cash Position is the cash and cash equivalents balance at the end of the accounting period, as indicated on the Cash Flow statement. View historical data on Santam and its competitors. Santam's current Ending Cash Position is R6,083 Mil. 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 R471.08, compared to a current price of R404.09 — trading 14.2% below its estimated fair value. The current Ending Cash Position is R6,083 Mil. Santam's overall GF Score™ is 80/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Ending Cash Position calculated?
Ending Cash Position is calculated from a company's financial statements. For Santam (NAM:SNM), the current Ending Cash Position is R6,083 Mil 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 Santam (NAM:SNM) Overvalued in 2026?

Based on GuruFocus' analysis, Santam stock appears to be undervalued. The current stock price of R404.09 is trading 14.2% below its estimated GF Value™ of R471.08. GuruFocus considers Santam to be Modestly Undervalued.

Key valuation signals for NAM:SNM:

  • Ending Cash Position: R6,083 Mil
  • GF Value™: R471.08 vs. price of R404.09 (14.2% below fair value)
  • GF Score™: 80/100 with 2 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.
80GF Score

Get the complete analysis for NAM:SNM

Ending Cash Position is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

R404.09
Price
R471.08
GF Value