SantamNAM:SNM +0.17%80 FCF Yield % is 5.53 as of Jun. 27, 2026, which is 15% above its 10-year median of 4.81. GuruFocus rates NAM:SNM with a GF Score™ of 80/100 and a GF Value™ of R467.55 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 504 Insurance companies, Santam ranks worse than 57.14% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
As of today, Santam's Trailing 12-Month Free Cash Flow is R2,353 Mil, and Market Cap is R42,651 Mil. Therefore, Santam's FCF Yield % for today is 5.53%.
The historical rank and industry rank for Santam's FCF Yield % or its related term are showing as below:
NAM:SNM'
s FCF Yield % Range Over the Past 10 Years
Min: -0.62 Med: 4.81 Max: 12.07
Current: 5.53
During the past 13 years, the highest FCF Yield % of Santam was 12.07%. The lowest was -0.62%. And the median was 4.81%.
NAM:SNM's FCF Yield % is ranked worse than 57.14% of 504
companies
in the Insurance industry
Industry Median: 7.115
vs NAM:SNM: 5.53
Santam's FCF Margin % for the quarter that ended in Dec. 2025 was -2.90%.
Santam FCF Yield % Explanation
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Santam FCF Yield % Related Terms
Santam FCF Yield % Historical Data
* Premium members only.
The historical data trend for Santam's FCF Yield % 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 FCF Yield %, along with its competitors' market caps and FCF Yield % 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 FCF Yield % vs Insurance Industry
For the Insurance industry and Financial Services sector, Santam's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Santam's FCF Yield % falls into.
* 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 FCF Yield % of 5.53 as of Jun. 27, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Santam and its competitors. This is 15% above median its historical median of 4.81. According to the industry distribution chart, Santam ranks #288 out of 504 companies in the Insurance industry, placing it in the top 57.1%.
Is Santam's FCF Yield % too high?
Santam's current FCF Yield % of 5.53 is 15% above median its 10-year median of 4.81. The Insurance industry median FCF Yield % is 7.12. Santam's value of 5.53 is 22.3% below this industry median. Based on the distribution chart, Santam ranks #288 out of 504 companies in the Insurance industry, which is below the industry midpoint. 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 FCF Yield % compare to FNF and AXS?
According to the Insurance industry distribution chart, Santam ranks #288 out of 504 companies for FCF Yield %. This places Santam in the lower half of its industry. The industry median FCF Yield % is 7.12. Santam's value of 5.53 is 22.3% below this benchmark. While the company's 10-year median is 4.81 vs. the industry median of 7.12, 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 FCF Yield % for an Insurance company?
The median FCF Yield % among Insurance companies is 7.12, based on 504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Santam's current FCF Yield % of 5.53 is 22.3% 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 FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Santam and its competitors. For the Insurance industry, the median FCF Yield % is 7.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Santam's current FCF Yield % is 5.53, which is 15% above median its own 10-year median of 4.81. 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 R467.55, compared to a current price of R390.45 — trading 16.5% below its estimated fair value. The current FCF Yield % is 5.53, which is 15% above median its 10-year median of 4.81 and 22.3% below the Insurance industry median of 7.12. 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 FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Santam (NAM:SNM), the current FCF Yield % is 5.53 as of Jun. 27, 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 R390.45 is trading 16.5% below its estimated GF Value™ of R467.55.
GuruFocus considers Santam to be Modestly Undervalued.
Key valuation signals for NAM:SNM:
FCF Yield %: 5.53 (15% above median its 10-year median of 4.81)
GF Value™: R467.55 vs. price of R390.45 (16.5% below fair value)
Industry Position: 22.3% below the Insurance median (#288 of 504)
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.
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FCF Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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