Santam (STU:RXWA) Altman Z-Score

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

STU:RXWA Santam Ltd STU:RXWA
79 GF Score
Price €20.40
GF Value €23.50
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Santam Altman Z-Score?

The Altman Z-Score is a model designed to predict the likelihood of a company going bankrupt within the next two years. Created by American finance professor Edward Altman in 1968, the model is specifically designed for publicly traded manufacturing companies with assets greater than $1 million.

Altman Z-Score does not apply to banks and insurance companies.

STU:RXWA
79GF Score
Santam Ltd STU:RXWA
Altman Z-Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Santam (STU:RXWA) Overvalued in 2026?

Based on GuruFocus' analysis, Santam stock appears to be undervalued. The current stock price of €20.40 is trading 13.2% below its estimated GF Value™ of €23.50. GuruFocus considers Santam to be Modestly Undervalued.

Key valuation signals for STU:RXWA:

  • Altman Z-Score:
  • GF Value™: €23.50 vs. price of €20.40 (13.2% below fair value)
  • GF Score™: 79/100 with 2 warning signs

No single metric tells the full story. See the STU:RXWA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Santam Business Description

Other Exchanges SNT:South AfricaSNM:Namibia
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.
79GF Score

Get the complete analysis for STU:RXWA

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

€20.40
Price
€23.50
GF Value