S
Santam Ltd
JSE:SNT
Santam Ltd
JSE:SNT
Price:
41 615
Zac
-1.97%
Market Closed
Market Cap:
47.9B
ZAR
Income Statement
Income Statement
Santam Ltd
Santam Ltd
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
|
14
|
28
|
12
|
6
|
7
|
10
|
45
|
81
|
152
|
157
|
114
|
106
|
120
|
126
|
94
|
106
|
106
|
105
|
118
|
107
|
93
|
92
|
116
|
146
|
212
|
262
|
295
|
270
|
331
|
436
|
368
|
331
|
318
|
306
|
313
|
318
|
323
|
358
|
438
|
509
|
538
|
0
|
|
| Gross Premiums Earned |
5 548
|
6 190
|
6 755
|
7 141
|
7 719
|
8 168
|
8 871
|
9 723
|
10 203
|
10 459
|
10 716
|
11 257
|
11 716
|
12 200
|
12 896
|
13 364
|
13 550
|
13 932
|
14 652
|
15 326
|
15 626
|
16 020
|
16 751
|
17 113
|
17 222
|
17 852
|
18 523
|
19 135
|
19 826
|
20 677
|
21 330
|
21 900
|
22 812
|
23 464
|
24 226
|
24 376
|
24 661
|
25 928
|
26 584
|
36 067
|
41 354
|
37 730
|
40 511
|
42 222
|
44 856
|
48 042
|
|
| Revenue |
5 548
N/A
|
6 228
+12%
|
6 755
+8%
|
7 395
+9%
|
7 719
+4%
|
8 168
+6%
|
8 871
+9%
|
10 328
+16%
|
10 203
-1%
|
12 086
+18%
|
10 716
-11%
|
11 092
+4%
|
11 716
+6%
|
12 302
+5%
|
12 896
+5%
|
14 043
+9%
|
13 550
-4%
|
15 130
+12%
|
14 652
-3%
|
16 461
+12%
|
17 125
+4%
|
17 557
+3%
|
18 314
+4%
|
19 107
+4%
|
19 236
+1%
|
19 949
+4%
|
20 723
+4%
|
20 913
+1%
|
21 765
+4%
|
23 273
+7%
|
24 871
+7%
|
25 466
+2%
|
25 861
+2%
|
27 162
+5%
|
28 308
+4%
|
27 475
-3%
|
28 097
+2%
|
30 151
+7%
|
30 935
+3%
|
38 546
+25%
|
42 181
+9%
|
38 987
-8%
|
42 410
+9%
|
45 054
+6%
|
47 645
+6%
|
50 739
+6%
|
|
| Operating Income | |||||||||||||||||||||||||||||||||||||||||||||||
| Operating Expenses |
(5 292)
|
(5 780)
|
(6 021)
|
(6 380)
|
(6 350)
|
(7 678)
|
(8 542)
|
(9 595)
|
(9 964)
|
(9 892)
|
(10 387)
|
(11 093)
|
(11 350)
|
(12 019)
|
(12 702)
|
(12 734)
|
(12 698)
|
(13 089)
|
(13 938)
|
(14 790)
|
(15 715)
|
(16 573)
|
(16 942)
|
(17 019)
|
(16 929)
|
(17 452)
|
(17 783)
|
(18 670)
|
(20 220)
|
(21 271)
|
(22 443)
|
(22 662)
|
(22 514)
|
(23 871)
|
(24 987)
|
(24 541)
|
(26 468)
|
(28 335)
|
(27 227)
|
(35 396)
|
(39 050)
|
(34 432)
|
(38 111)
|
(40 450)
|
(41 654)
|
(43 719)
|
|
| Selling, General & Administrative |
(783)
|
(871)
|
(1 062)
|
(1 228)
|
(1 214)
|
(1 164)
|
(1 137)
|
(1 208)
|
(1 142)
|
(1 192)
|
(1 273)
|
(1 328)
|
(1 322)
|
(1 356)
|
(1 450)
|
(1 575)
|
(1 677)
|
(1 817)
|
(2 142)
|
(2 352)
|
(2 380)
|
(2 531)
|
(2 591)
|
(2 815)
|
(3 081)
|
(3 167)
|
(3 330)
|
(3 332)
|
(3 317)
|
(3 418)
|
(3 719)
|
(4 084)
|
(4 532)
|
(4 605)
|
(4 606)
|
(4 726)
|
(4 291)
|
(4 628)
|
(4 672)
|
(2 577)
|
(124)
|
(121)
|
(125)
|
(125)
|
(119)
|
(132)
|
|
| Depreciation & Amortization |
0
|
0
|
0
|
0
|
0
|
0
|
(26)
|
0
|
(21)
|
0
|
(18)
|
(6)
|
(7)
|
(7)
|
(25)
|
(23)
|
(27)
|
(56)
|
(68)
|
(59)
|
(116)
|
(122)
|
(114)
|
(99)
|
(58)
|
(74)
|
(65)
|
(55)
|
(48)
|
(57)
|
(63)
|
(66)
|
(69)
|
(71)
|
(76)
|
(76)
|
(294)
|
(70)
|
(283)
|
(65)
|
(66)
|
(110)
|
(77)
|
(68)
|
(96)
|
(213)
|
|
| Benefits Claims Loss Adjustment |
(4 623)
|
(5 082)
|
(5 164)
|
(5 250)
|
(5 339)
|
(5 765)
|
(7 379)
|
(6 687)
|
(8 801)
|
(6 926)
|
(7 302)
|
(7 839)
|
(8 007)
|
(8 574)
|
(9 100)
|
(8 928)
|
(8 683)
|
(8 839)
|
(9 404)
|
(10 006)
|
(10 679)
|
(11 305)
|
(11 607)
|
(11 340)
|
(10 878)
|
(11 216)
|
(11 510)
|
(12 013)
|
(12 911)
|
(13 874)
|
(14 066)
|
(13 732)
|
(13 827)
|
(14 527)
|
(15 081)
|
(15 257)
|
(16 770)
|
(17 307)
|
(16 405)
|
(29 782)
|
(38 694)
|
(34 763)
|
(37 230)
|
(38 386)
|
(39 980)
|
(41 517)
|
|
| Policy Acquisition Expense |
0
|
0
|
0
|
0
|
0
|
(749)
|
0
|
(1 700)
|
0
|
(1 774)
|
(1 794)
|
(1 920)
|
(2 014)
|
(2 082)
|
(2 127)
|
(2 208)
|
(2 311)
|
(2 383)
|
(2 324)
|
(2 373)
|
(2 540)
|
(2 615)
|
(2 721)
|
(2 809)
|
(2 983)
|
(3 113)
|
(3 240)
|
(3 524)
|
(3 716)
|
(3 822)
|
(4 218)
|
(4 457)
|
(4 524)
|
(4 723)
|
(4 878)
|
(5 000)
|
(5 124)
|
(5 354)
|
(5 539)
|
0
|
(5 997)
|
0
|
0
|
0
|
0
|
0
|
|
| Other Operating Expenses |
115
|
174
|
205
|
98
|
203
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
6
|
0
|
0
|
0
|
0
|
91
|
44
|
71
|
118
|
362
|
254
|
(228)
|
(100)
|
(377)
|
(323)
|
438
|
55
|
(346)
|
518
|
11
|
(976)
|
(328)
|
(2 972)
|
5 831
|
562
|
(679)
|
(1 871)
|
(1 459)
|
(1 857)
|
|
| Operating Income |
256
N/A
|
448
+75%
|
734
+64%
|
1 015
+38%
|
1 369
+35%
|
490
-64%
|
329
-33%
|
733
+123%
|
239
-67%
|
2 194
+818%
|
329
-85%
|
(1)
N/A
|
366
N/A
|
283
-23%
|
194
-31%
|
1 309
+575%
|
852
-35%
|
2 041
+140%
|
714
-65%
|
1 671
+134%
|
1 410
-16%
|
984
-30%
|
1 372
+39%
|
2 088
+52%
|
2 307
+10%
|
2 497
+8%
|
2 940
+18%
|
2 243
-24%
|
1 545
-31%
|
2 002
+30%
|
2 428
+21%
|
2 804
+15%
|
3 347
+19%
|
3 291
-2%
|
3 321
+1%
|
2 934
-12%
|
1 629
-44%
|
1 816
+11%
|
3 708
+104%
|
3 150
-15%
|
3 131
-1%
|
4 555
+45%
|
4 299
-6%
|
4 604
+7%
|
5 991
+30%
|
7 020
+17%
|
|
| Pre-Tax Income | |||||||||||||||||||||||||||||||||||||||||||||||
| Interest Income Expense |
178
|
125
|
486
|
636
|
1 078
|
2 027
|
587
|
1 554
|
638
|
666
|
697
|
715
|
789
|
765
|
642
|
590
|
797
|
488
|
667
|
231
|
333
|
358
|
145
|
148
|
92
|
125
|
56
|
384
|
313
|
(211)
|
(144)
|
46
|
126
|
35
|
(119)
|
(847)
|
(812)
|
(87)
|
7
|
266
|
265
|
(15)
|
(152)
|
(163)
|
(171)
|
(220)
|
|
| Non-Reccuring Items |
(3)
|
(15)
|
(36)
|
(25)
|
(49)
|
(1)
|
(4)
|
(5)
|
(2)
|
(2)
|
0
|
(1)
|
0
|
(4)
|
(6)
|
(2)
|
6
|
0
|
0
|
0
|
(43)
|
(54)
|
(44)
|
(33)
|
(72)
|
(87)
|
376
|
390
|
(3)
|
(2)
|
12
|
(4)
|
(60)
|
0
|
(7)
|
(22)
|
(15)
|
0
|
0
|
0
|
(39)
|
0
|
0
|
0
|
(176)
|
0
|
|
| Total Other Income |
0
|
(55)
|
0
|
44
|
0
|
0
|
1 409
|
0
|
1 607
|
0
|
760
|
0
|
(381)
|
0
|
688
|
0
|
773
|
0
|
510
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
106
|
187
|
280
|
384
|
429
|
498
|
592
|
338
|
126
|
126
|
258
|
341
|
308
|
424
|
|
| Pre-Tax Income |
431
N/A
|
503
+17%
|
1 184
+135%
|
1 670
+41%
|
2 398
+44%
|
2 516
+5%
|
2 321
-8%
|
2 282
-2%
|
2 482
+9%
|
2 858
+15%
|
1 786
-38%
|
713
-60%
|
774
+9%
|
1 044
+35%
|
1 518
+45%
|
1 897
+25%
|
2 428
+28%
|
2 529
+4%
|
1 891
-25%
|
1 902
+1%
|
1 700
-11%
|
1 288
-24%
|
1 473
+14%
|
2 203
+50%
|
2 327
+6%
|
2 535
+9%
|
3 372
+33%
|
3 017
-11%
|
1 855
-39%
|
1 789
-4%
|
2 296
+28%
|
2 846
+24%
|
3 519
+24%
|
3 513
0%
|
3 475
-1%
|
2 449
-30%
|
1 231
-50%
|
2 227
+81%
|
4 307
+93%
|
3 754
-13%
|
3 483
-7%
|
4 666
+34%
|
4 405
-6%
|
4 782
+9%
|
5 952
+24%
|
7 224
+21%
|
|
| Net Income | |||||||||||||||||||||||||||||||||||||||||||||||
| Tax Provision |
(116)
|
(135)
|
(356)
|
(473)
|
(615)
|
(581)
|
(520)
|
(605)
|
(615)
|
(614)
|
(542)
|
(255)
|
(54)
|
(165)
|
(402)
|
(527)
|
(639)
|
(644)
|
(486)
|
(682)
|
(624)
|
(287)
|
(300)
|
(499)
|
(660)
|
(758)
|
(908)
|
(854)
|
(524)
|
(412)
|
(489)
|
(665)
|
(990)
|
(1 024)
|
(1 154)
|
(1 199)
|
(800)
|
(897)
|
(1 471)
|
(1 306)
|
(1 392)
|
(1 811)
|
(1 727)
|
(1 431)
|
(1 596)
|
(2 413)
|
|
| Income from Continuing Operations |
316
|
369
|
829
|
1 198
|
1 783
|
1 935
|
1 801
|
1 677
|
1 867
|
2 244
|
1 244
|
458
|
720
|
879
|
1 116
|
1 370
|
1 789
|
1 885
|
1 405
|
1 220
|
1 076
|
1 001
|
1 173
|
1 704
|
1 667
|
1 777
|
2 464
|
2 163
|
1 331
|
1 377
|
1 807
|
2 181
|
2 529
|
2 489
|
2 321
|
1 250
|
431
|
1 330
|
2 836
|
2 448
|
2 091
|
2 855
|
2 678
|
3 351
|
4 356
|
4 811
|
|
| Income to Minority Interest |
(14)
|
(20)
|
(22)
|
(16)
|
(24)
|
(31)
|
(23)
|
(16)
|
(23)
|
(28)
|
(26)
|
(26)
|
(21)
|
(27)
|
(34)
|
(26)
|
(27)
|
(31)
|
(29)
|
(39)
|
(49)
|
(44)
|
(53)
|
(78)
|
(88)
|
(114)
|
(116)
|
(113)
|
(119)
|
(109)
|
(140)
|
(143)
|
(102)
|
(92)
|
(122)
|
(119)
|
(104)
|
(109)
|
(99)
|
(80)
|
(97)
|
(131)
|
(133)
|
(369)
|
(677)
|
(805)
|
|
| Equity Earnings Affiliates |
0
|
0
|
0
|
0
|
(25)
|
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
|
|
| Net Income (Common) |
302
N/A
|
349
+16%
|
806
+131%
|
1 181
+47%
|
1 734
+47%
|
1 879
+8%
|
1 778
-5%
|
1 661
-7%
|
1 844
+11%
|
2 195
+19%
|
1 050
-52%
|
222
-79%
|
724
+226%
|
940
+30%
|
1 082
+15%
|
1 344
+24%
|
1 762
+31%
|
1 854
+5%
|
1 376
-26%
|
1 181
-14%
|
1 027
-13%
|
957
-7%
|
1 120
+17%
|
1 626
+45%
|
1 579
-3%
|
1 663
+5%
|
2 348
+41%
|
2 050
-13%
|
1 212
-41%
|
1 268
+5%
|
1 667
+31%
|
2 038
+22%
|
2 427
+19%
|
2 397
-1%
|
2 199
-8%
|
1 131
-49%
|
327
-71%
|
1 253
+283%
|
2 745
+119%
|
2 330
-15%
|
1 980
-15%
|
2 724
+38%
|
3 250
+19%
|
3 687
+13%
|
3 679
0%
|
4 006
+9%
|
|
| EPS (Diluted) |
2.71
N/A
|
3.12
+15%
|
7.18
+130%
|
10.18
+42%
|
15.07
+48%
|
15.92
+6%
|
15.07
-5%
|
13.95
-7%
|
15.49
+11%
|
18.76
+21%
|
9.13
-51%
|
1.96
-79%
|
6.4
+227%
|
8.24
+29%
|
9.42
+14%
|
11.68
+24%
|
15.32
+31%
|
16.13
+5%
|
12.07
-25%
|
10.35
-14%
|
8.95
-14%
|
8.32
-7%
|
9.73
+17%
|
14.13
+45%
|
13.72
-3%
|
14.45
+5%
|
20.65
+43%
|
18.46
-11%
|
10.88
-41%
|
11.39
+5%
|
14.96
+31%
|
18.46
+23%
|
21.82
+18%
|
21.6
-1%
|
19.78
-8%
|
10.21
-48%
|
2.95
-71%
|
11.31
+283%
|
24.77
+119%
|
21.09
-15%
|
17.94
-15%
|
24.62
+37%
|
29.52
+20%
|
33.32
+13%
|
33.22
0%
|
36.34
+9%
|
|
Switch to:
Switch to:
See Also
Discover More
