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Sanlam Ltd
JSE:SLM

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Sanlam Ltd
JSE:SLM
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Price: 9 548 Zac -5.15%
Market Cap: 210.3B ZAR
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Financials Section:
Income Statement Balance Sheet Cash Flow Statement

Income Statement

Income Statement
Sanlam Ltd

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Income Statement
Currency: ZAR
Dec-2002 Jun-2003 Dec-2003 Jun-2004 Dec-2004 Jun-2005 Dec-2005 Jun-2006 Dec-2006 Jun-2007 Dec-2007 Jun-2008 Dec-2008 Jun-2009 Dec-2009 Jun-2010 Dec-2010 Jun-2011 Dec-2011 Jun-2012 Dec-2012 Jun-2013 Dec-2013 Jun-2014 Dec-2014 Jun-2015 Dec-2015 Jun-2016 Dec-2016 Jun-2017 Dec-2017 Jun-2018 Dec-2018 Jun-2019 Dec-2019 Jun-2020 Dec-2020 Jun-2021 Dec-2021 Jun-2022 Dec-2022 Jun-2023 Dec-2023 Jun-2024 Dec-2024 Jun-2025
Revenue
Interest Expense
0
0
0
0
49
111
136
0
114
231
281
324
391
395
363
337
309
350
336
338
638
588
585
684
622
640
681
734
566
756
824
725
1 010
1 090
1 742
1 954
1 051
782
963
948
1 126
1 318
1 518
1 679
1 609
1 848
Gross Premiums Earned
14 524
15 375
15 970
15 890
17 079
16 785
18 499
20 656
22 172
23 105
24 403
25 325
25 989
27 002
28 378
29 430
31 004
32 527
33 394
34 861
36 388
38 234
41 098
42 987
45 079
46 450
48 666
50 060
52 516
53 443
56 568
58 615
64 832
74 864
83 150
83 798
86 614
86 056
78 703
90 882
92 645
87 029
99 404
108 531
111 903
117 581
Revenue
14 524
N/A
15 375
+6%
15 970
+4%
18 052
+13%
17 079
-5%
53 969
+216%
63 307
+17%
67 981
+7%
69 960
+3%
74 618
+7%
52 504
-30%
27 961
-47%
19 700
-30%
28 966
+47%
60 671
+109%
65 605
+8%
67 285
+3%
71 338
+6%
54 278
-24%
66 310
+22%
88 580
+34%
93 252
+5%
102 069
+9%
111 830
+10%
92 165
-18%
88 430
-4%
85 394
-3%
88 768
+4%
86 767
-2%
84 294
-3%
112 709
+34%
110 870
-2%
74 773
-33%
115 003
+54%
148 046
+29%
115 305
-22%
132 797
+15%
167 855
+26%
178 056
+6%
146 259
-18%
99 717
-32%
97 426
-2%
109 768
+13%
122 098
+11%
127 058
+4%
131 466
+3%
Operating Income
Operating Expenses
(12 634)
(13 369)
(13 842)
(14 764)
(13 887)
(48 051)
(48 589)
(51 684)
(59 073)
(62 831)
(43 404)
(21 808)
(15 563)
(24 711)
(52 723)
(57 063)
(58 033)
(61 592)
(45 752)
(57 353)
(78 559)
(82 229)
(90 057)
(98 015)
(79 677)
(75 721)
(71 081)
(75 285)
(74 386)
(71 623)
(99 205)
(95 689)
(61 884)
(99 835)
(133 982)
(100 570)
(119 420)
(154 717)
(163 693)
(133 414)
(85 613)
(79 647)
(90 427)
(98 089)
(100 204)
(104 631)
Selling, General & Administrative
(6 213)
(6 468)
(6 688)
(6 900)
(6 594)
(7 147)
(7 769)
(8 364)
(8 956)
(9 493)
(9 939)
(10 516)
(11 134)
(11 317)
(11 576)
(12 335)
(13 133)
(13 972)
(14 000)
(15 137)
(15 593)
(17 500)
(18 213)
(19 534)
(20 601)
(21 938)
(22 744)
(24 235)
(24 451)
(25 128)
(25 983)
(27 897)
(31 344)
(37 922)
(40 027)
(40 613)
(41 062)
(39 302)
(33 308)
(24 374)
(13 079)
(13 635)
(17 360)
(21 895)
(21 749)
(24 619)
Depreciation & Amortization
(259)
(280)
(277)
0
(328)
0
0
(21)
(45)
(47)
(51)
(59)
(77)
(83)
(84)
(89)
(260)
(139)
(315)
(120)
(400)
(228)
(468)
(280)
(450)
(275)
(662)
(369)
(606)
(319)
(646)
(376)
(1 016)
(1 186)
(2 429)
(1 462)
(2 462)
(765)
(1 502)
(358)
(1 051)
(185)
(1 172)
(460)
(1 354)
(505)
Benefits Claims Loss Adjustment
(6 162)
(6 621)
(6 877)
(7 737)
(6 965)
(40 904)
(40 820)
(43 299)
(50 072)
(53 291)
(33 414)
(11 233)
(4 352)
(13 311)
(41 063)
(44 639)
(44 640)
(47 481)
(31 437)
(42 096)
(62 566)
(64 501)
(71 376)
(78 201)
(58 626)
(53 508)
(47 675)
(50 681)
(49 329)
(46 176)
(72 576)
(67 416)
(29 524)
(60 727)
(91 526)
(58 495)
(75 896)
(114 650)
(128 883)
(108 682)
(71 483)
(65 827)
(71 895)
(75 734)
(77 101)
(79 507)
Other Operating Expenses
0
0
0
(127)
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Operating Income
1 890
N/A
2 006
+6%
2 128
+6%
3 288
+55%
3 192
-3%
5 918
+85%
14 718
+149%
16 297
+11%
10 887
-33%
11 787
+8%
9 100
-23%
6 153
-32%
4 137
-33%
4 255
+3%
7 948
+87%
8 542
+7%
9 252
+8%
9 746
+5%
8 526
-13%
8 957
+5%
10 021
+12%
11 023
+10%
12 012
+9%
13 815
+15%
12 488
-10%
12 709
+2%
14 313
+13%
13 483
-6%
12 381
-8%
12 671
+2%
13 504
+7%
15 181
+12%
12 889
-15%
15 168
+18%
14 064
-7%
14 735
+5%
13 377
-9%
13 138
-2%
14 363
+9%
12 845
-11%
14 104
+10%
17 779
+26%
19 341
+9%
24 009
+24%
26 854
+12%
26 835
0%
Pre-Tax Income
Interest Income Expense
(1 731)
322
1 939
1 469
2 507
1 242
808
210
309
272
(53)
(234)
(357)
(429)
(259)
7
20
(35)
85
133
269
230
639
700
981
940
629
919
1 529
1 650
1 822
1 989
1 414
1 525
1 247
695
1 517
1 550
764
910
1 342
980
1 440
3 188
4 008
4 664
Non-Reccuring Items
0
(231)
(248)
(53)
(256)
(221)
(632)
(646)
(30)
(22)
(7)
(142)
(247)
(174)
(79)
32
0
(71)
(36)
(20)
(206)
(212)
(34)
(47)
(140)
(151)
(173)
(284)
(306)
(220)
1 006
(476)
2 663
(449)
(750)
(9 918)
(8 990)
(280)
213
513
(22)
(55)
(99)
(536)
(1 349)
(987)
Total Other Income
0
(290)
0
290
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
(697)
(697)
(2)
(12)
0
10
0
0
0
0
Pre-Tax Income
159
N/A
1 807
+1 036%
3 819
+111%
4 994
+31%
5 443
+9%
6 939
+27%
14 894
+115%
15 861
+6%
11 166
-30%
12 037
+8%
9 040
-25%
5 777
-36%
3 533
-39%
3 652
+3%
7 610
+108%
8 581
+13%
9 272
+8%
9 640
+4%
8 575
-11%
9 070
+6%
10 084
+11%
11 041
+9%
12 617
+14%
14 468
+15%
13 329
-8%
13 498
+1%
14 769
+9%
14 118
-4%
13 604
-4%
14 101
+4%
16 332
+16%
16 694
+2%
16 966
+2%
16 244
-4%
14 561
-10%
5 512
-62%
5 207
-6%
13 711
+163%
15 338
+12%
14 256
-7%
15 424
+8%
18 714
+21%
20 682
+11%
26 661
+29%
29 513
+11%
30 512
+3%
Net Income
Tax Provision
(557)
(904)
(1 155)
(1 552)
(1 414)
(1 655)
(2 803)
(3 314)
(3 070)
(3 543)
(2 493)
(1 201)
(621)
(949)
(2 529)
(2 879)
(2 757)
(2 850)
(2 510)
(2 995)
(3 650)
(3 493)
(3 483)
(4 130)
(3 534)
(3 284)
(3 859)
(2 718)
(3 026)
(2 855)
(4 342)
(4 538)
(4 164)
(4 869)
(5 756)
(4 225)
(3 805)
(5 156)
(5 352)
(2 867)
(3 464)
(6 852)
(7 079)
(7 672)
(7 909)
(8 159)
Income from Continuing Operations
(398)
903
2 664
3 442
4 029
5 284
12 091
12 547
8 096
8 494
6 547
4 576
2 912
2 703
5 081
5 702
6 515
6 790
6 065
6 075
6 434
7 548
9 134
10 338
9 795
10 214
10 910
11 400
10 578
11 246
11 990
12 156
12 802
11 375
8 805
1 287
1 402
8 555
9 986
11 389
11 960
11 862
13 603
18 989
21 604
22 353
Income to Minority Interest
(202)
(261)
(414)
(581)
(728)
(1 189)
(1 164)
(1 075)
(1 151)
(1 389)
(885)
(379)
(443)
(535)
(684)
(842)
(992)
(1 079)
(899)
(781)
(779)
(787)
(1 003)
(1 176)
(1 066)
(1 321)
(1 519)
(1 195)
(955)
(998)
(1 067)
(1 050)
(1 175)
(1 359)
(1 655)
(1 105)
(684)
(948)
(960)
(921)
(1 030)
(1 138)
(2 008)
(2 688)
(2 471)
(2 629)
Net Income (Common)
(600)
N/A
489
N/A
1 883
+285%
2 407
+28%
3 283
+36%
4 090
+25%
10 927
+167%
11 472
+5%
6 945
-39%
7 084
+2%
5 494
-22%
3 987
-27%
2 494
-37%
2 256
-10%
4 397
+95%
4 860
+11%
5 523
+14%
5 711
+3%
5 166
-10%
5 294
+2%
5 655
+7%
6 761
+20%
8 131
+20%
9 162
+13%
8 729
-5%
8 893
+2%
9 391
+6%
10 205
+9%
9 623
-6%
10 248
+6%
10 923
+7%
11 106
+2%
11 627
+5%
10 016
-14%
7 150
-29%
182
-97%
718
+295%
7 963
+1 009%
9 473
+19%
10 874
+15%
11 960
+10%
14 759
+23%
13 967
-5%
15 983
+14%
22 107
+38%
22 402
+1%
EPS (Diluted)
-0.23
N/A
0.18
N/A
0.71
+294%
0.96
+35%
1.21
+26%
1.56
+29%
4.32
+177%
5.07
+17%
3.1
-39%
3.2
+3%
2.5
-22%
1.92
-23%
1.21
-37%
1.11
-8%
2.17
+95%
2.39
+10%
2.72
+14%
2.83
+4%
2.58
-9%
2.65
+3%
2.81
+6%
3.35
+19%
4.01
+20%
4.53
+13%
4.32
-5%
4.39
+2%
4.64
+6%
5.05
+9%
4.76
-6%
5.06
+6%
5.39
+7%
5.38
0%
5.6
+4%
4.79
-14%
3.42
-29%
0.08
-98%
0.34
+325%
3.8
+1 018%
4.53
+19%
5.23
+15%
5.75
+10%
6.69
+16%
6.68
0%
7.55
+13%
10.47
+39%
10.58
+1%

See Also

Summary
SLM intrinsic value, competitors valuation, and company profile.
DCF Valuation
SLM stock valuation using Discount Cash Flow valuation method.
Relative Valuation
SLM stock valuation using valuation multiples.
Wall Street Estimates
SLM price targets and financial estimates made by Wall st analysts.
Profitability Analysis
Detailed analysis of the company's profitability.
Solvency Analysis
Analysis of the financial position and solvency of the company.
Financials
Income Statement, Balance Sheet, Cash Flow Statement.
Discount Rate
SLM stock discount rate: cost of equity and WACC.
Summary
DCF Valuation
Relative Valuation
Wall Street Estimates
Profitability Analysis
Solvency Analysis
Financials
Discount Rate
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