Sanlam Ltd sells insurance products and provides investment and wealth management services. Its operating segments include Sanlam Life and Savings, further divided into SA Retail Affluent provides life insurance and investment solutions to the middle and upper level of the market, SA Retail Mass provides life insurance and investment solutions to the entry level market; and Sanlam Corporate provides employee benefits services, group risk and investment services to retirement funds and corporates; Sanlam Emerging Markets incorporates Sanlam's businesses outside of South Africa, except for Sanlam UK and the smaller businesses in Australia; Sanlam Investment Group incorporates investment and wealth management businesses; and Santam being Sanlam's general insurance provider in South Africa.

Financial Strength

7/10

Name	Current	Vs Industry
Cash-To-Debt	2.61
Equity-to-Asset	0.09
Debt-to-Equity	0.11
Debt-to-EBITDA	0.42
Interest Coverage	14.62
Piotroski F-Score	3/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-1.83	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

4/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	14.8
	3-Year EBITDA Growth Rate	39.1
	3-Year EPS without NRI Growth Rate	15.6
	3-Year FCF Growth Rate	-40.2
	3-Year Book Growth Rate	11

Momentum Rank

7/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	84.38
	9-Day RSI	69.8
	14-Day RSI	60.67
	6-1 Month Momentum %	-6.53
	12-1 Month Momentum %	16.91

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	5.72
	Dividend Payout Ratio	0.67
	3-Year Dividend Growth Rate	2.5
	Forward Dividend Yield %	5.72
	5-Year Yield-on-Cost %	6.76
	Shareholder Yield %	5.98

Profitability Rank

6/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	7.29
	FCF Margin %	-9.48
	ROE %	16.83
	ROA %	1.43
	ROIC %	1.85
	Years of Profitability over Past 10-Year	10

GF Value Rank

7/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	10.16
	PE Ratio without NRI	13.42
	Shiller PE Ratio	11.95
	Price-to-Owner-Earnings	3.11
	PEG Ratio	1.89
	PS Ratio	0.72
	PB Ratio	1.61
	Price-to-Tangible-Book	1.81
	EV-to-EBIT	6.18
	EV-to-EBITDA	5.84
	EV-to-Revenue	0.69
	EV-to-FCF	-6.64
	Price-to-Projected-FCF	1.86
	Price-to-Median-PS-Value	0.55
	Price-to-Peter-Lynch-Fair-Value	1.86
	Price-to-Graham-Number	1.03
	Earnings Yield (Greenblatt) %	16.18
	FCF Yield %	-13
	Forward Rate of Return (Yacktman) %	6.76

GF Value: $8.22

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