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SantamNAM:SNM 80 5-Year Yield-on-Cost % is 9.29 as of Jul. 15, 2026, which is 23% above its 10-year median of 7.55. GuruFocus rates NAM:SNM with a GF Score™ of 80/100 and a GF Value™ of R469.24 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 419 Insurance companies, Santam ranks better than 88.07% on this metric.
Santam's yield on cost for the quarter that ended in Dec. 2025 was 9.29.
The historical rank and industry rank for Santam's 5-Year Yield-on-Cost % or its related term are showing as below:
NAM:SNM'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 5.64 Med: 7.55 Max: 10.79
Current: 9.29
During the past 13 years, Santam's highest Yield on Cost was 10.79. The lowest was 5.64. And the median was 7.55.
NAM:SNM's 5-Year Yield-on-Cost % is ranked better than 88.07% of 419
companies
in the Insurance industry
Industry Median: 3.99
vs NAM:SNM: 9.29
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Santam 5-Year Yield-on-Cost % Related Terms
NAM:SNM vs FNF, AXS, FAF: 5-Year Yield-on-Cost % Comparison
For the Insurance - Specialty subindustry, Santam's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Insurance Industry
For the Insurance industry and Financial Services sector, Santam's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Santam's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of Santam is calculated as
Santam (NAM:SNM) has a 5-Year Yield-on-Cost % of 9.29 as of Jul. 15, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Santam and its competitors. This is 23% above median its historical median of 7.55. Over the past decade, Santam's 5-Year Yield-on-Cost % has ranged from 5.64 to 10.79. According to the industry distribution chart, Santam ranks #50 out of 419 companies in the Insurance industry, placing it in the top 11.9%.
Is Santam's 5-Year Yield-on-Cost % too high?
Santam's current 5-Year Yield-on-Cost % of 9.29 is 23% above median its 10-year median of 7.55. Over the past 10 years, this metric has ranged from a low of 5.64 to a high of 10.79. The Insurance industry median 5-Year Yield-on-Cost % is 3.99. Santam's value of 9.29 is 132.8% above this industry median. Based on the distribution chart, Santam ranks #50 out of 419 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 5-Year Yield-on-Cost % compare to FNF and AXS?
According to the Insurance industry distribution chart, Santam ranks #50 out of 419 companies for 5-Year Yield-on-Cost %. This places Santam in the top 12% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.99. Santam's value of 9.29 is 132.8% above this benchmark. Historically, Santam's own 5-Year Yield-on-Cost % has ranged from 5.64 to 10.79 over the past decade. While the company's 10-year median is 7.55 vs. the industry median of 3.99, Santam has consistently been above 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 5-Year Yield-on-Cost % for an Insurance company?
The median 5-Year Yield-on-Cost % among Insurance companies is 3.99, based on 419 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Santam's current 5-Year Yield-on-Cost % of 9.29 is 132.8% above 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Santam and its competitors. For the Insurance industry, the median 5-Year Yield-on-Cost % is 3.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Santam's current 5-Year Yield-on-Cost % is 9.29, which is 23% above median its own 10-year median of 7.55. 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 R469.24, compared to a current price of R398.15 — trading 15.2% below its estimated fair value. The current 5-Year Yield-on-Cost % is 9.29, which is 23% above median its 10-year median of 7.55 and 132.8% above the Insurance industry median of 3.99. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Santam (NAM:SNM), the current 5-Year Yield-on-Cost % is 9.29 as of Jul. 15, 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 R398.15 is trading 15.2% below its estimated GF Value™ of R469.24.
GuruFocus considers Santam to be Modestly Undervalued.
Key valuation signals for NAM:SNM:
5-Year Yield-on-Cost %: 9.29 (23% above median its 10-year median of 7.55)
GF Value™: R469.24 vs. price of R398.15 (15.2% below fair value)
Industry Position: 132.8% above the Insurance median (#50 of 419)
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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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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