Sanlam Ltd
JSE:SLM
US |
Johnson & Johnson
NYSE:JNJ
|
Pharmaceuticals
|
|
US |
Estee Lauder Companies Inc
NYSE:EL
|
Consumer products
|
|
US |
Exxon Mobil Corp
NYSE:XOM
|
Energy
|
|
US |
Church & Dwight Co Inc
NYSE:CHD
|
Consumer products
|
|
US |
Pfizer Inc
NYSE:PFE
|
Pharmaceuticals
|
|
US |
American Express Co
NYSE:AXP
|
Financial Services
|
|
US |
Nike Inc
NYSE:NKE
|
Textiles, Apparel & Luxury Goods
|
|
US |
Visa Inc
NYSE:V
|
Technology
|
|
CN |
Alibaba Group Holding Ltd
NYSE:BABA
|
Retail
|
|
US |
3M Co
NYSE:MMM
|
Industrial Conglomerates
|
|
US |
JPMorgan Chase & Co
NYSE:JPM
|
Banking
|
|
US |
Coca-Cola Co
NYSE:KO
|
Beverages
|
|
US |
Target Corp
NYSE:TGT
|
Retail
|
|
US |
Walt Disney Co
NYSE:DIS
|
Media
|
|
US |
Mueller Industries Inc
NYSE:MLI
|
Machinery
|
|
US |
PayPal Holdings Inc
NASDAQ:PYPL
|
Technology
|
Utilize notes to systematically review your investment decisions. By reflecting on past outcomes, you can discern effective strategies and identify those that underperformed. This continuous feedback loop enables you to adapt and refine your approach, optimizing for future success.
Each note serves as a learning point, offering insights into your decision-making processes. Over time, you'll accumulate a personalized database of knowledge, enhancing your ability to make informed decisions quickly and effectively.
With a comprehensive record of your investment history at your fingertips, you can compare current opportunities against past experiences. This not only bolsters your confidence but also ensures that each decision is grounded in a well-documented rationale.
Do you really want to delete this note?
This action cannot be undone.
52 Week Range |
6 265
9 107
|
Price Target |
|
We'll email you a reminder when the closing price reaches Zac.
Choose the stock you wish to monitor with a price alert.
Johnson & Johnson
NYSE:JNJ
|
US | |
Estee Lauder Companies Inc
NYSE:EL
|
US | |
Exxon Mobil Corp
NYSE:XOM
|
US | |
Church & Dwight Co Inc
NYSE:CHD
|
US | |
Pfizer Inc
NYSE:PFE
|
US | |
American Express Co
NYSE:AXP
|
US | |
Nike Inc
NYSE:NKE
|
US | |
Visa Inc
NYSE:V
|
US | |
Alibaba Group Holding Ltd
NYSE:BABA
|
CN | |
3M Co
NYSE:MMM
|
US | |
JPMorgan Chase & Co
NYSE:JPM
|
US | |
Coca-Cola Co
NYSE:KO
|
US | |
Target Corp
NYSE:TGT
|
US | |
Walt Disney Co
NYSE:DIS
|
US | |
Mueller Industries Inc
NYSE:MLI
|
US | |
PayPal Holdings Inc
NASDAQ:PYPL
|
US |
This alert will be permanently deleted.
Fundamental Analysis
Select up to 3 indicators:
Select up to 3 indicators:
Months
Months
Months
Months
Select up to 2 periods:
Sanlam Ltd. is a leading financial services group based in South Africa, with a rich legacy that spans over a century. Founded in 1918, Sanlam began as a life insurance company and has since evolved into a diversified investment powerhouse. Today, it operates across multiple markets, providing a broad spectrum of services, including life insurance, property investment, and asset management. With a strong emphasis on risk management and financial security, Sanlam serves millions of clients not only in South Africa but also throughout Africa and selected international markets. This extensive reach is supported by a robust capital base and a strategic focus on growth, innovation, and sustainabi...
Sanlam Ltd. is a leading financial services group based in South Africa, with a rich legacy that spans over a century. Founded in 1918, Sanlam began as a life insurance company and has since evolved into a diversified investment powerhouse. Today, it operates across multiple markets, providing a broad spectrum of services, including life insurance, property investment, and asset management. With a strong emphasis on risk management and financial security, Sanlam serves millions of clients not only in South Africa but also throughout Africa and selected international markets. This extensive reach is supported by a robust capital base and a strategic focus on growth, innovation, and sustainability, making it a compelling choice for investors seeking stability within the financial sector.
Sanlam's commitment to responsible investment practices and community impact underpins its operations and enhances its brand value. The company's performance in recent years showcases its resilience, navigating through economic fluctuations while maintaining steady growth in earnings. With a diverse revenue stream and a reputation for reliable service, Sanlam positions itself strategically to capitalize on emerging market opportunities and demographic shifts. For investors, this means potential returns driven by both organic growth and acquisitions. As the company continues to innovate in its service offerings and expand its geographical footprint, Sanlam stands out as a blue-chip investment with a clear vision for the future, making it an intriguing prospect in the finance sector.
Sanlam Ltd. is a leading financial services group based in South Africa, primarily involved in a range of offerings that cater to the needs of individuals and businesses. As of my last knowledge update in October 2023, the core business segments of Sanlam can be categorized as follows:
-
Life Insurance: This segment includes the provision of life insurance policies, which cover risks related to life events, such as death, disability, and critical illness. Sanlam offers various life insurance products catering to individual and group needs.
-
Savings and Investments: Sanlam offers a variety of savings and investment products. This segment covers individual investment solutions, retirement products, and collective investment schemes, aiming to help clients grow their wealth over time.
-
Asset Management: Through its asset management division, Sanlam provides portfolio management services and investment advice to both retail and institutional clients. This includes a wide range of equity, fixed income, and multi-asset products.
-
Short-term Insurance: Sanlam is involved in the provision of short-term, general insurance products which include coverage for property, motor, and liability risks. This segment serves both personal and commercial clients.
-
Health and Employee Benefits: This segment provides health insurance and employee benefits to businesses, including retirement fund administration and occupational health services. These solutions are geared toward enhancing employee welfare and managing health risks.
-
International Operations: Sanlam has expanded its reach beyond South Africa into other African markets and globally, focusing on providing financial services tailored to the specific needs of those regions.
Sanlam operates through various subsidiaries and partnerships, allowing it to leverage its capabilities across multiple markets and customer segments. The company's strategy emphasizes long-term value creation, consistent performance, and customer-centric solutions.
Please verify with the latest available resources or Sanlam's official communications for any updates or changes to their business structure since my last knowledge update.
Sanlam Ltd, a prominent financial services group based in South Africa, holds several unique competitive advantages over its rivals. These can be analyzed from a business and investment perspective akin to the methodologies favored by Warren Buffett and Charlie Munger:
-
Diversified Business Model: Sanlam operates in various segments, including life insurance, investment management, and asset management. This diversification enables the company to counterbalance risks and capitalize on different market opportunities.
-
Strong Brand Recognition: Sanlam has built a reputable brand over the years, particularly in Africa. Its established presence and trust among customers can attract new clients and retain existing ones, a critical factor in financial services.
-
Geographic Expansion: While based in South Africa, Sanlam has successfully expanded its operations into multiple African markets and other regions. This geographic diversification reduces dependency on a single market and allows the company to tap into different economic cycles.
-
Robust Distribution Network: The company maintains a well-developed distribution network, including financial advisors and intermediaries, which enhances its reach and effectiveness in delivering its financial products and services.
-
Focus on Innovation: Sanlam is committed to leveraging technology and innovation to improve customer service, streamline operations, and develop new products. This adaptive capability helps them stay ahead of competitors.
-
Strong Financial Position: Sanlam has a strong balance sheet and a robust capital position, enabling it to withstand economic downturns and invest in growth opportunities.
-
Established Relationships: Having been in the business for many years, Sanlam has forged strong relationships with institutional investors, regulators, and other stakeholders. These relationships can help navigate regulatory complexities and create partnership opportunities.
-
Expertise in Investment Management: With its asset management arm, Sanlam Investments, the company possesses considerable expertise and experience, allowing it to deliver strong returns to clients and attract significant assets under management.
-
Commitment to Corporate Governance and Sustainability: Sanlam's emphasis on corporate governance and sustainable business practices can differentiate it from competitors and appeal to socially-conscious investors and clients.
In summary, Sanlam Ltd leverages a combination of diversification, strong branding, geographic reach, innovative practices, and financial strength to create a competitive edge in the financial services sector. This multi-faceted approach aligns with the risk-aware philosophies championed by Buffett and Munger, focusing on sustainable competitive advantages and long-term value creation.
Sanlam Ltd, a prominent financial services group based in South Africa, faces several risks and challenges in the near future. Some key areas of concern include:
-
Economic Fluctuations: Sanlam's performance is closely tied to economic conditions across the markets it operates in. Economic slowdowns, inflation, or fluctuations in currency can impact profitability and investment performance.
-
Regulatory Changes: The financial services sector is highly regulated. Changes in regulations, such as those related to insurance products, investment rules, or solvency requirements, can impact operations and compliance costs.
-
Market Competition: The insurance and financial services market is intensely competitive. New entrants, innovative fintech companies, and changing consumer preferences can challenge Sanlam's market share and pricing strategies.
-
Technological Disruption: Rapid advancements in technology require traditional financial institutions to adapt quickly. Companies resisting digital transformation may face obsolescence or increased operational costs.
-
Investment Risk: Sanlam’s investment portfolio is subject to market volatility. Fluctuations in the stock market, bond yields, and alternative investments can significantly affect earnings and policyholder returns.
-
Changing Consumer Behavior: With increasing awareness and demand for sustainable and socially responsible investment options, Sanlam needs to adapt its offerings to meet changing consumer expectations.
-
Political and Social Unrest: Given its South African roots, Sanlam is subjected to political instability and social unrest in the region, which can impact its operations and consumer confidence.
-
Global Economic Factors: As a group with international exposure, fluctuations in global markets, trade policies, and geopolitical tensions can adversely affect performance.
-
Pandemic Risks: The uncertainty related to the ongoing impacts of COVID-19 and potential future pandemics could affect claims, investments, and overall business operations.
-
Reputation Risk: Any negative incidents, whether due to operational failures, ethics, or compliance issues, can significantly harm Sanlam’s reputation and customer trust, leading to potential financial loss.
Addressing these risks requires effective strategies, including investment in technology, diversification, and robust risk management frameworks. Continuous monitoring and an adaptive strategy are essential for navigating the evolving financial landscape.
Balance Sheet Decomposition
Sanlam Ltd
Cash & Short-Term Investments | 27.9B |
Deferred Policy Acquisition Cost | 2.8B |
PP&E | 3.3B |
Long-Term Investments | 894.8B |
Other Assets | 95.4B |
Insurance Policy Liabilities | 720.4B |
Long Term Debt | 15.2B |
Other Liabilities | 199.9B |
Wall St
Price Targets
SLM Price Targets Summary
Sanlam Ltd
Dividends
Current shareholder yield for SLM is .
Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?
Profile
Country
Industry
Market Cap
Dividend Yield
Description
Sanlam Ltd. is a diversified financial services group which provides financial solutions to individual and institutional clients. The company is headquartered in Bellville, Western Cape and currently employs 21,180 full-time employees. The firm operates through five segments: Sanlam Personal Finance, Sanlam Emerging Markets, Sanlam Investments, Sanlam Corporate and Santam. Sanlam Personal Finance segment includes Sanlam Sky, Glacier and Strategic business development. Sanlam Emerging Markets segment includes Namibia, Botswana, India, Malaysia operations and Saham Finances. Sanlam Investments segment includes investment management, wealth management, international business and Sanlam specialized finance. Sanlam Corporate segment includes Sanlam employee benefits and healthcare business. Santam segment provides a range of general insurance products and services. The company provides solutions in various areas, including insurance, financial planning, retirement, trust, wills, short-term insurance, asset management, risk management, capital market activities, investment and wealth.