Intrinsic Value

The intrinsic value of Santam Ltd (SNT) under the Base Case is 56 032.91 Zac per share. Compared with the current market price of 48 488 Zac, the stock appears Undervalued by 13% .

The intrinsic value is calculated using the DCF method. The model assumes revenue grows about 19% in 2026, then slows: about 9% a year on average over the next five years, below its five-year pace of 13%. If revenue grew at its five-year pace of 13%, the estimate would be about Zac 72,806.

Do our valuations actually work? See backtest results .

SNT Intrinsic Value
56 032.91 Zac
Undervaluation 13%
Intrinsic Value
Price 48 488 Zac
S

SNT is valued in line with its history. A discount of this size has been typical over the past 5 years.

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Intrinsic Value 56 032.91
Current Price 48 488
Margin of Safety 20% 44 826.33
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Fundamental Analysis

What Santam Does

Insurance Financials

Santam Ltd is South Africa’s largest short-term insurance company. It sells insurance policies that protect people and businesses against losses from events like car accidents, property damage, theft, liability claims, and business interruptions. Its main customers include individual motorists and homeowners, small and large businesses, and it also works through insurance brokers and other distribution partners.

Headquarters
South Africa ZA
Employees
6 971
IPO date
Jul 1, 1992
Read the full company overview
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Financials
Efficiency

Wall St Price Targets

Capital Returns

Competitive Landscape

What is the Intrinsic Value of one SNT stock?

The intrinsic value for Santam Ltd (SNT) under the Base Case is 56 032.91 Zac.

Is SNT stock undervalued or overvalued?

Compared with the current market price of 48 488 Zac, the stock appears Undervalued by 13% .

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