ATLASATLAS fair value
ZAR 497.70
Close to fair value · 2% discount
Range: ZAR 448–ZAR 547Fair valuePrice
Santam (SNT.JSE)
Santam share price today, ATLAS forecast and fair value
Financial Services · Insurance - Specialty · Johannesburg Stock Exchange · South Africa
ZAR 486.00▲ +0.25%
Prices as of Oct 27, 2026 · ZAR
Chance of rising in 1 month
50%
that it ends higher than today in 21 sessions
0%coin flip 50%100%
This is just the summary. See everything on Santam in ATLAS
ATLAS's own quantitative analysis, all in one place.
- Simulation and expected rangeThousands of simulated scenarios: how far the price could rise or fall.
- Officers and shareholdersWho runs the company and which funds hold its shares.
- Customer and supplier mapWho it does business with, from its own filings.
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- Valuation and financialsFair value step by step, quarterly accounts and upcoming events.
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On Santam
- Simulation and expected rangeThousands of simulated scenarios: how far the price could rise or fall.
- Officers and shareholdersWho runs the company and which funds hold its shares.
- Customer and supplier mapWho it does business with, from its own filings.
- Valuation and financialsFair value step by step, quarterly accounts and upcoming events.
- NewsThe latest on the company, in one place.
And for you
- ATLAS builds your portfolioAnswer a short test and get portfolios that fit you.
- AlertsWe let you know when something changes in your stocks.
- Crisis simulatorHow your portfolio would do in a crash like 2008.
- Practice risk-free$10,000 in virtual money to invest at real prices.
- Global screenerSearch US stocks and stocks from 47 countries with filters.
Plans from €3.99 a month.
ATLAS estimates Santam's fair value at about ZAR 497.70 per share (reasonable range: ZAR 447.93 to ZAR 547.47). At ZAR 486.00, the stock trades within 8% of that figure: close to fair value.
It is calculated with valuation multiples of comparable companies. Confidence in the estimate is medium. It is an estimate, not a promise: if the company's results change, so does its fair value.
ATLAS's model gives Santam a 50% chance of finishing higher a month from now (21 trading sessions) than today: close to a coin flip.
In half of the simulated outcomes the price ends between ZAR 455.99 and ZAR 518.10; in 9 out of 10, between ZAR 407.19 and ZAR 580.18. Estimated annual volatility is 41%.
Price, last 12 months (weekly close)
Key numbers
- Market cap
- ZAR 53.8B
- Market cap (USD)
- $3.2B
- P/E ratio
- 12.7
- Dividend yield
- 0.04%
- 52-week high
- ZAR 490.07
- 52-week low
- ZAR 360.11
- Revenue (12 months)
- ZAR 63.5B
- Gross margin
- 19.4%
- Operating margin
- 16.2%
- Net margin
- 6.6%
- Beta
- 0.22
What this means
These are two different questions: fair value looks at the business (what it is worth given what it earns) and the odds look at the price over the next month. Santam sits close to fair value and its odds of rising over a month are close to a coin flip. An expensive stock can keep climbing and a cheap one can keep falling, which is why ATLAS shows the two readings separately.
Over the last 52 weeks SNT.JSE has traded between ZAR 360.11 and ZAR 490.07. Today it is 0.8% below that high and 35% above its low.
On the business: net margin is 6.6%; it trades at 12.7 times earnings.
Its beta is 0.22: it tends to move less than the market.
About the company
Santam Ltd, together with its subsidiaries, provides various general insurance products and services to individuals, commercial, and corporate markets in South Africa, rest of Africa, and internationally.
Want to see everything about Santam?
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Comparable companies
Other companies in the same line of business:
Frequently asked questions
What is Santam (SNT.JSE) fair value?
About ZAR 497.70 per share according to ATLAS (reasonable range: ZAR 447.93 to ZAR 547.47). With the stock at ZAR 486.00, it is close to that value.
What is the chance SNT.JSE goes up next month?
50%: close to a coin flip. In half of the simulated outcomes, SNT.JSE ends the month between ZAR 455.99 and ZAR 518.10.
How big is Santam and what is its P/E ratio?
Santam's market capitalization is ZAR 53.8B. Its price-to-earnings (P/E) ratio is 12.7: you pay ZAR 12.7 for each ZAR 1.00 of yearly earnings.
Does Santam pay a dividend?
Yes. SNT.JSE's current dividend yield is 0.04% at today's price (ZAR 486.00).
Not investment advice. ATLAS estimates are produced by statistical models from public data; they can be wrong and past performance does not predict future results. Consider your own situation before investing. Disclaimer