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SantamNAM:SNM +0.91%80 EV-to-EBIT is 5.36 as of Jul. 30, 2026, which is 32% below its 10-year median of 7.92. GuruFocus rates NAM:SNM with a GF Score™ of 80/100 and a GF Value™ of R471.21 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 345 Insurance companies, Santam ranks better than 75.94% on this metric.
EV-to-EBIT is calculated as Enterprise Value divided by its EBIT. As of today, Santam's Enterprise Value is R44,722 Mil.
Santam's EBIT for the trailing twelve months (TTM) ended in Dec. 2025 was R8,343 Mil. Therefore, Santam's EV-to-EBIT for today is 5.36.
The historical rank and industry rank for Santam's EV-to-EBIT or its related term are showing as below:
NAM:SNM'
s EV-to-EBIT Range Over the Past 10 Years
Min: 4.87 Med: 7.92 Max: 20.26
Current: 5.36
During the past 13 years, the highest EV-to-EBIT of Santam was 20.26. The lowest was 4.87. And the median was 7.92.
NAM:SNM's EV-to-EBIT is ranked better than 75.94% of 345
companies
in the Insurance industry
Industry Median: 8.74
vs NAM:SNM: 5.36
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
Santam's Enterprise Value for the quarter that ended in Dec. 2025 was R47,225 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Santam's EBIT for the trailing twelve months (TTM) ended in Dec. 2025 was R8,343 Mil.
* 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 EV-to-EBIT Related Terms
Santam EV-to-EBIT Historical Data
* Premium members only.
The historical data trend for Santam's EV-to-EBIT 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.
For the Insurance - Specialty subindustry, Santam's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Insurance Industry
For the Insurance industry and Financial Services sector, Santam's EV-to-EBIT distribution charts can be found below:
* The bar in red indicates where Santam's EV-to-EBIT falls into.
Santam's current Enterprise Value is R44,722 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Santam's EBIT for the trailing twelve months (TTM) ended in Dec. 2025 was R8,343 Mil.
* 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 (NAM:SNM) has a EV-to-EBIT of 5.36 as of Jul. 30, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Santam and its competitors. This is 32% below median its historical median of 7.92. Over the past decade, Santam's EV-to-EBIT has ranged from 4.87 to 20.26. According to the industry distribution chart, Santam ranks #83 out of 345 companies in the Insurance industry, placing it in the top 24.1%.
Is Santam's EV-to-EBIT too high?
Santam's current EV-to-EBIT of 5.36 is 32% below median its 10-year median of 7.92. Over the past 10 years, this metric has ranged from a low of 4.87 to a high of 20.26. The Insurance industry median EV-to-EBIT is 8.74. Santam's value of 5.36 is 38.7% below this industry median. Based on the distribution chart, Santam ranks #83 out of 345 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. 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 EV-to-EBIT compare to FNF and AXS?
According to the Insurance industry distribution chart, Santam ranks #83 out of 345 companies for EV-to-EBIT. This places Santam in the top 24% of its industry — outperforming the majority of peers. The industry median EV-to-EBIT is 8.74. Santam's value of 5.36 is 38.7% below this benchmark. Historically, Santam's own EV-to-EBIT has ranged from 4.87 to 20.26 over the past decade. While the company's 10-year median is 7.92 vs. the industry median of 8.74, Santam 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 EV-to-EBIT for an Insurance company?
The median EV-to-EBIT among Insurance companies is 8.74, based on 345 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Santam's current EV-to-EBIT of 5.36 is 38.7% 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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Santam and its competitors. For the Insurance industry, the median EV-to-EBIT is 8.74 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Santam's current EV-to-EBIT is 5.36, which is 32% below median its own 10-year median of 7.92. 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 R471.21, compared to a current price of R404.09 — trading 14.2% below its estimated fair value. The current EV-to-EBIT is 5.36, which is 32% below median its 10-year median of 7.92 and 38.7% below the Insurance industry median of 8.74. 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 EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For Santam (NAM:SNM), the current EV-to-EBIT is 5.36 as of Jul. 30, 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 R404.09 is trading 14.2% below its estimated GF Value™ of R471.21.
GuruFocus considers Santam to be Modestly Undervalued.
Key valuation signals for NAM:SNM:
EV-to-EBIT: 5.36 (32% below median its 10-year median of 7.92)
GF Value™: R471.21 vs. price of R404.09 (14.2% below fair value)
Industry Position: 38.7% below the Insurance median (#83 of 345)
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 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
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