Santam (NAM:SNM) Long-Term Debt: R4,298 Mil (As of Dec. 2025)

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NAM:SNM Santam Ltd NAM:SNM
80 GF Score
Price R398.15
GF Value R469.99
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Santam Long-Term Debt?

Santam NAM:SNM +1.47% 80 Long-Term Debt is R4,298 Mil as of Dec. 2025. GuruFocus rates NAM:SNM with a GF Score™ of 80/100 and a GF Value™ of R469.99 (Modestly Undervalued). The stock has 2 warning signs investors should review.

Santam's Long-Term Debt for the quarter that ended in Dec. 2025 was R4,298 Mil.

Santam's quarterly Long-Term Debt declined from Dec. 2024 (R3,264 Mil) to Jun. 2025 (R3,064 Mil) but then increased from Jun. 2025 (R3,064 Mil) to Dec. 2025 (R4,298 Mil).

Santam's annual Long-Term Debt increased from Dec. 2023 (R3,053 Mil) to Dec. 2024 (R3,264 Mil) and increased from Dec. 2024 (R3,264 Mil) to Dec. 2025 (R4,298 Mil).

Santam  (NAM:SNM) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

Santam Long-Term Debt Related Terms

Santam Long-Term Debt Historical Data

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The historical data trend for Santam's Long-Term Debt 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 Long-Term Debt Chart

Santam Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2,552.00 2,539.00 3,053.00 3,264.00 4,298.00

Santam Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Long-Term Debt 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 3,053.00 3,058.00 3,264.00 3,064.00 4,298.00
NAM:SNM
80GF Score
Santam Ltd NAM:SNM
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of R4,298 Mil mean?
Santam (NAM:SNM) has a Long-Term Debt of R4,298 Mil as of Dec. 2025.
Is Santam's Long-Term Debt too high?
Santam's current Long-Term Debt is R4,298 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 Long-Term Debt compare to FNF and AXS?
Santam's Long-Term Debt of R4,298 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 Long-Term Debt for an Insurance company?
A good Long-Term Debt depends on the Insurance industry context. However, Long-Term Debt 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 Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. Santam's current Long-Term Debt is R4,298 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 R469.99, compared to a current price of R398.15 — trading 15.3% below its estimated fair value. The current Long-Term Debt is R4,298 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 Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For Santam (NAM:SNM), the current Long-Term Debt is R4,298 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 R398.15 is trading 15.3% below its estimated GF Value™ of R469.99. GuruFocus considers Santam to be Modestly Undervalued.

Key valuation signals for NAM:SNM:

  • Long-Term Debt: R4,298 Mil
  • GF Value™: R469.99 vs. price of R398.15 (15.3% 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

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

R398.15
Price
R469.99
GF Value