Santam (NAM:SNM) Moat Score: 0/10 (As of Jul. 01, 2026)


NAM:SNM Santam Ltd NAM:SNM
80 GF Score
Price R385.00
GF Value R468.23
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Santam Moat Score?

Santam has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Santam has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Santam might have No Moat - No discernible moat.

Santam  (NAM:SNM) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Santam Moat Score Related Terms

NAM:SNM
80GF Score
Santam Ltd NAM:SNM
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Santam (NAM:SNM) Overvalued in 2026?

Based on GuruFocus' analysis, Santam stock appears to be undervalued. The current stock price of R385.00 is trading 17.8% below its estimated GF Value™ of R468.23. GuruFocus considers Santam to be Modestly Undervalued.

Key valuation signals for NAM:SNM:

  • Moat Score: 0
  • GF Value™: R468.23 vs. price of R385.00 (17.8% 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

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

R385.00
Price
R468.23
GF Value