Santam (NAM:SNM) Short-Term Debt: R Mil (As of Jun. 2026)

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Director of Data and Quant Analytics at GuruFocus
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NAM:SNM Santam Ltd NAM:SNM
80 GF Score
Price R405.24
GF Value R457.62
Valuation Modestly Undervalued
! 3 Warning Signs
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What is Santam Short-Term Debt?

Santam NAM:SNM +1.22% 80 Short-Term Debt is R Mil as of Jun. 2026. GuruFocus rates NAM:SNM with a GF Score™ of 80/100 and a GF Value™ of R457.62 (Modestly Undervalued). The stock has 3 warning signs investors should review.

Santam's Short-Term Debt for the quarter that ended in Jun. 2026 was R Mil.

Santam Short-Term Debt Explanation

Short-Term Debt represents the total amount of Long-Term Debt such as bank loans and commercial paper, which is due within one year.

Santam Short-Term Debt Related Terms

Santam Short-Term Debt Historical Data

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

Santam Annual Data
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Short-Term Debt
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Santam Semi-Annual Data
Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25 Jun26
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NAM:SNM
80GF Score
Santam Ltd NAM:SNM
Short-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Short-Term Debt →
What does a Short-Term Debt of R Mil mean?
Santam (NAM:SNM) has a Short-Term Debt of R Mil as of Jun. 2026.
Is Santam's Short-Term Debt too high?
Santam's current Short-Term Debt is R 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 Short-Term Debt compare to FNF and RYAN?
Santam's Short-Term Debt of R 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 Short-Term Debt for an Insurance company?
A good Short-Term Debt depends on the Insurance industry context. However, Short-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 Short-Term Debt mean?
A high Short-Term Debt can signal that a stock is expensive relative to its fundamentals. Santam's current Short-Term Debt is R 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 R457.62, compared to a current price of R405.24 — trading 11.4% below its estimated fair value. The current Short-Term Debt is R Mil. Santam's overall GF Score™ is 80/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Short-Term Debt calculated?
Short-Term Debt is calculated from a company's financial statements. For Santam (NAM:SNM), the current Short-Term Debt is R Mil as of Jun. 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 R405.24 is trading 11.4% below its estimated GF Value™ of R457.62. GuruFocus considers Santam to be Modestly Undervalued.

Key valuation signals for NAM:SNM:

  • Short-Term Debt: R Mil
  • GF Value™: R457.62 vs. price of R405.24 (11.4% below fair value)
  • GF Score™: 80/100 with 3 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 short-term insurance group and the country's largest general insurer. It provides personal and commercial insurance covering property, motor, engineering, marine, liability, crop, and travel risks, along with reinsurance and alternative risk transfer through its Santam Re and MiWay businesses. The group serves individual policyholders, commercial enterprises, and public sector clients, distributing through intermediaries, direct channels, and bancassurance partnerships. It operates primarily in South Africa, with additional operations elsewhere in Africa and selected international reinsurance markets. Revenue comes mainly from gross written premiums, supplemented by investment income earned on insurance float and shareholders' funds. Santam is part of the Sanlam group and is listed on the Johannesburg Stock Exchange.
80GF Score

Get the complete analysis for NAM:SNM

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

R405.24
Price
R457.62
GF Value