S

Santam Ltd
JSE:SNT

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Santam Ltd
JSE:SNT
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Price: 38 320 Zac -0.44% Market Closed
Market Cap: 42.3B Zac
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Income Statement

Income Statement
Santam Ltd

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Income Statement
Currency: ZAR
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
Revenue
Gross Premiums Earned
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
40 047
41 855
Revenue
7 395
N/A
7 719
+4%
8 168
+6%
8 871
+9%
10 328
+16%
11 810
+14%
12 086
+2%
11 476
-5%
11 092
-3%
11 335
+2%
12 302
+9%
13 584
+10%
14 043
+3%
14 441
+3%
15 130
+5%
15 598
+3%
16 461
+6%
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%
41 946
+8%
44 687
+7%
Operating Income
Operating Expenses
(6 380)
(7 089)
(7 678)
(8 542)
(9 595)
(9 964)
(9 892)
(10 385)
(11 093)
(11 350)
(12 019)
(12 702)
(12 734)
(12 698)
(13 089)
(13 938)
(14 790)
(15 715)
(16 573)
(17 004)
(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)
(37 647)
(40 083)
Selling, General & Administrative
(1 228)
(1 263)
(1 164)
(1 163)
(1 208)
(1 163)
(1 192)
(1 289)
(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)
Depreciation & Amortization
0
0
0
0
0
0
0
0
(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)
Benefits Claims Loss Adjustment
(5 250)
(5 826)
(5 765)
(5 793)
(6 687)
(7 037)
(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)
Policy Acquisition Expense
0
0
(749)
(1 586)
(1 700)
(1 764)
(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
Other Operating Expenses
98
0
0
0
0
0
0
0
0
0
0
0
0
0
6
0
0
0
0
29
44
71
118
362
254
(228)
(100)
(377)
(323)
438
55
(346)
518
11
(976)
(328)
(2 972)
5 831
562
(215)
(1 504)
Operating Income
1 015
N/A
630
-38%
490
-22%
329
-33%
733
+123%
1 846
+152%
2 194
+19%
1 091
-50%
(1)
N/A
(15)
-1 400%
283
N/A
882
+212%
1 309
+48%
1 743
+33%
2 041
+17%
1 660
-19%
1 671
+1%
1 410
-16%
984
-30%
1 310
+33%
2 088
+59%
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%
Pre-Tax Income
Interest Income Expense
636
1 790
2 027
1 996
1 554
638
666
697
715
789
765
642
590
679
488
231
231
333
358
207
148
92
125
56
384
313
(211)
(144)
46
126
35
(119)
(847)
(812)
(87)
7
266
265
(15)
(152)
(163)
Non-Reccuring Items
(25)
(2)
(1)
(4)
(5)
(2)
(2)
(2)
(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
Total Other Income
44
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
106
187
280
384
429
498
592
338
126
126
258
341
Pre-Tax Income
1 670
N/A
2 418
+45%
2 516
+4%
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%
Net Income
Tax Provision
(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)
Income from Continuing Operations
1 198
1 803
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
Income to Minority Interest
(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)
Equity Earnings Affiliates
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
Net Income (Common)
1 181
N/A
1 754
+49%
1 879
+7%
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%
EPS (Diluted)
10.18
N/A
15.12
+49%
15.92
+5%
15.07
-5%
13.95
-7%
15.62
+12%
18.76
+20%
9.29
-50%
1.96
-79%
6.4
+227%
8.24
+29%
9.41
+14%
11.68
+24%
15.32
+31%
16.13
+5%
12.07
-25%
10.35
-14%
8.94
-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%

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