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Sanlam Limited (SLM.JO)
Bellville, ZA
Sanlam Limited offers a comprehensive suite of financial services catering to individuals, businesses, and institutional clients across South Africa, the wider African continent, and international markets. The company operates through its key segments: Sanlam Life and Savings, Sanlam Emerging Markets, Sanlam Investment Group, and Santam. Its extensive product range encompasses various insurance types, including life, disability, critical illness, income protection, funeral, credit life, health, medical, short-term, commercial, and group risk benefits, along with reinsurance. Sanlam also provides financial planning, retirement solutions, investment products, wealth management, and specialized insurance for professionals and graduates. Additionally, it facilitates personal and home loans, and issues credit cards. For small to medium-sized enterprises (SMEs) and self-employed professionals, the company extends services such as payment and debit card processing, corporate credit, debt and equity structuring, business advisory, risk management, and employee health and retirement plans. Founded in 1918, Sanlam Limited is headquartered in Bellville, South Africa.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -0.63% | -0.28% | +0.22% | -19.23% | -6.52% | -12.93% | -2.67% | +65.18% | +44.13% | +37.81% | +777.79% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 5 | 0 |
| Hold | 2 | -1 |
| Sell | 1 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth Insurance - Life: +10.6%+26.7% ★ Q4'25: +63.3% (vs Q4'23)
-
EPS growth Insurance - Life: +13.4%-28.5% Q4'25: -12.6% (vs Q4'23)
-
FCF margin FCF growth · Insurance - Life: +31.7%-0.3% Q4'25: -9.2% (vs Q4'23)
-
EBIT margin Insurance - Life: +12.4%+9.8% Q4'25: +6.8% (vs Q4'23)
-
ROIC Insurance - Life: +1.0%+21.1% ★ Q4'25: +32.5% (vs Q4'23)
-
Share dilution Insurance - Life: +0.4%+0.2% Q4'25: -0.2% (vs Q4'23)
-
Debt / EBITDA Net debt/EBITDA · Insurance - Life: -1.05×0.67× Q4'25: 0.42× (vs Q4'23)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 1 Rev. Ana. 3 EPS Ana. |
Dec 2027 1 Rev. Ana. 3 EPS Ana. |
Dec 2028 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
86.80B
est: 53.09B (+63.5%)
|
114.11B
est: 57.32B (+99.1%)
|
77.89B
est: 63.93B (+21.8%)
|
147.70B
est: 69.12B (+113.7%)
|
117.78B
est: 82.25B (+43.2%)
|
191.56B
est: 100.71B (+90.2%)
|
109.80B
est: 92.34B (+18.9%)
|
206.22B
est: 179.06B (+15.2%)
|
227.82B
est: 102.18B (+123.0%)
|
288.64B
est: 21.15B (+1,264.8%)
|
29.93B
29.93B – 29.93B
+41.5% YoY
|
32.17B
32.17B – 32.17B
+7.5% YoY
|
54.86B
54.86B – 54.86B
+70.6% YoY
|
| EBITDA |
12.68B
est: 5.48B (+131.5%)
|
15.16B
est: 5.91B (+156.3%)
|
16.57B
est: 6.60B (+151.2%)
|
15.74B
est: 7.13B (+120.7%)
|
6.15B
est: 8.49B (-27.5%)
|
16.08B
est: 10.39B (+54.7%)
|
15.16B
est: 9.53B (+59.1%)
|
20.44B
est: 20.31B (+0.6%)
|
32.48B
est: 11.59B (+180.2%)
|
29.89B
est: 2.40B (+1,146.0%)
|
3.40B
3.40B – 3.40B
+41.5% YoY
|
3.65B
3.65B – 3.65B
+7.5% YoY
|
6.22B
6.22B – 6.22B
+70.6% YoY
|
| EBIT |
14.17B
est: 4.94B (+186.7%)
|
14.51B
est: 5.34B (+171.9%)
|
15.55B
est: 5.95B (+161.3%)
|
13.31B
est: 6.44B (+106.9%)
|
3.69B
est: 7.66B (-51.8%)
|
14.57B
est: 9.38B (+55.4%)
|
14.08B
est: 8.60B (+63.8%)
|
19.24B
est: 19.08B (+0.9%)
|
31.12B
est: 10.89B (+185.9%)
|
28.41B
est: 2.25B (+1,161.0%)
|
3.19B
3.19B – 3.19B
+41.5% YoY
|
3.43B
3.43B – 3.43B
+7.5% YoY
|
5.84B
5.84B – 5.84B
+70.6% YoY
|
| Net Income |
9.62B
est: 8.60B (+11.9%)
|
10.92B
est: 9.94B (+9.9%)
|
11.63B
est: 9.41B (+23.6%)
|
7.15B
est: 9.37B (-23.7%)
|
718.00M
est: 8.14B (-91.2%)
|
9.47B
est: 10.07B (-6.0%)
|
12.26B
est: 9.79B (+25.2%)
|
14.48B
est: 16.90B (-14.3%)
|
22.24B
est: 17.44B (+27.5%)
|
15.94B
est: 18.33B (-13.0%)
|
19.58B
18.34B – 20.25B
+6.8% YoY
|
22.43B
19.49B – 23.28B
+14.5% YoY
|
22.82B
22.82B – 22.82B
+1.8% YoY
|
| SGA |
24.73B
est: 9.54B (+159.3%)
|
26.28B
est: 10.30B (+155.1%)
|
31.70B
est: 11.49B (+176.0%)
|
41.05B
est: 12.42B (+230.5%)
|
42.20B
est: 14.78B (+185.5%)
|
43.17B
est: 18.10B (+138.5%)
|
13.98B
est: 16.59B (-15.8%)
|
18.30B
est: 19.35B (-5.4%)
|
22.51B
est: 11.04B (+103.9%)
|
—
est: 2.28B (-100.0%)
|
3.23B
3.23B – 3.23B
+41.5% YoY
|
3.48B
3.48B – 3.48B
+7.5% YoY
|
5.93B
5.93B – 5.93B
+70.6% YoY
|
| EPS |
4.81
est: 4.08 (+18.0%)
|
5.44
est: 4.71 (+15.6%)
|
5.65
est: 4.46 (+26.7%)
|
3.46
est: 4.44 (-22.0%)
|
0.35
est: 3.86 (-90.9%)
|
5.04
est: 4.77 (+5.6%)
|
5.98
est: 4.64 (+28.9%)
|
7.03
est: 7.99 (-12.0%)
|
10.68
est: 8.25 (+29.4%)
|
7.63
est: 8.90 (-14.3%)
|
9.12
8.67 – 9.58
+2.4% YoY
|
10.05
9.22 – 11.01
+10.2% YoY
|
10.80
10.80 – 10.80
+7.4% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-28 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-27 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-26 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-25 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-22 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-21 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 3/5 | 2/5 | 2/5 |
| 2026-05-20 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 3/5 | 2/5 | 2/5 |
| 2026-05-19 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 3/5 | 2/5 | 2/5 |
| 2026-05-18 | B+ | 3/5 | 4/5 | 4/5 | 4/5 | 3/5 | 2/5 | 2/5 |
| 2026-05-15 | B+ | 3/5 | 3/5 | 4/5 | 4/5 | 3/5 | 2/5 | 2/5 |
| 2026-05-14 | B+ | 3/5 | 3/5 | 4/5 | 4/5 | 3/5 | 2/5 | 2/5 |
| 2026-05-13 | B+ | 3/5 | 3/5 | 4/5 | 4/5 | 3/5 | 2/5 | 2/5 |
| 2026-05-12 | B+ | 3/5 | 3/5 | 4/5 | 4/5 | 3/5 | 2/5 | 2/5 |
| 2026-05-11 | B+ | 3/5 | 3/5 | 4/5 | 4/5 | 3/5 | 2/5 | 2/5 |
| 2026-05-08 | B | 3/5 | 3/5 | 4/5 | 4/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-07 | B | 3/5 | 3/5 | 4/5 | 4/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-06 | B | 3/5 | 3/5 | 4/5 | 4/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-05 | B | 3/5 | 3/5 | 4/5 | 4/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-04 | B | 3/5 | 3/5 | 4/5 | 4/5 | 3/5 | 2/5 | 1/5 |
| 2026-04-30 | B+ | 3/5 | 3/5 | 5/5 | 4/5 | 3/5 | 2/5 | 1/5 |
| 2026-04-29 | B+ | 3/5 | 3/5 | 5/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-28 | B+ | 3/5 | 3/5 | 5/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-24 | B+ | 3/5 | 3/5 | 5/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-23 | A- | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-22 | A- | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-21 | A- | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-20 | A- | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-17 | A- | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-16 | A- | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | iShares MSCI South Africa ETF EZA | 2.99% | 16.41M | 0.59% |
| 2 | iShares MSCI South Africa UCITS ETF USD IRSA.L | 2.70% | 6.90M | 0.65% |
| 3 | VanEck Africa Index ETF AFK | 1.06% | 1.05M | 0.76% |
| 4 | Rayliant Wilshire NxtGen Emerging Markets Equity ETF RWEM | 1.02% | 793.0K | 0.52% |
| 5 | Cambria Emerging Shareholder Yield ETF EYLD | 0.87% | 7.38M | 0.65% |
| 6 | abrdn Emerging Markets Dividend Active ETF AGEM | 0.85% | 3.03M | 1.18% |
| 7 | iShares Ageing Population UCITS ETF AGED.L | 0.50% | 4.42M | 0.40% |
| 8 | WisdomTree True Emerging Markets Fund XC | 0.36% | 288.9K | 0.32% |
| 9 | UBS MSCI EM Socially Responsible UCITS ETF USD dis UC79.L | 0.35% | 12.49M | 0.24% |
| 10 | UBS MSCI EM Socially Responsible UCITS ETF USD dis UETE.DE | 0.35% | 3.38M | 0.24% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Paul Brendan Hanratty | Group Chief Executive Officer & Executive Director | 38M | male |
| Heinie Carl Werth Acc | Chief Executive Officer of SAZ JV | 18M | male |
| Abigail Muelelwa Mukhuba | Finance Director & Executive Director | 15M | female |
| Kanyisa Mkhize | Chief Executive Officer of Corporate | 12M | female |
| Bongani Madikiza | Chief Executive Officer of SA Retail Mass | 12M | male |
| Theo Mabaso | Group Chief Technology, Information & AI Officer | 11M | male |
| Sydney Mbhele | Chief Executive of Brand | 5M | male |
| Tokelo Mulaudzi | Executive Head of Investor Relations | — | — |
| Betty Sayinzoga | Chief Executive Officer of General Insurance | — | female |
| Patrick Hartnic | Executive Head of Group Financial Reporting | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for SLM.JO
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
