Santam Ltd (SNT.JO) is currently considered not halal (non-compliant), per In-house ratio engine (last assessed 2026-08-27). See the full ratio breakdown and business-activity screen below for the reasoning.
⚠️ Financial ratios are only half the screen, and this verdict does not rest on them. Our business-activity screen classifies Santam Ltd under conventional insurance, which is an excluded sector — so the verdict is non-compliant even though some ratios below pass. Business activity is a hard gate that ratio math never captures.
Computed from Yahoo Finance fundamentals (Tier-4 provider, no filing available), balance sheet as of 2025-12-31. SNT.JO files no SEC reports, so these ratios come from the issuer's own published statements rather than XBRL.
Business activity: conventional_insurance
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 12.63% | 30.00% | Pass |
| Interest-bearing investments | 12.88% | 30.00% | Pass |
| Non-permissible income | 7.67% | 5.00% | Fail |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 7.24% | 33.33% | Pass |
| Cash + interest-bearing securities | 7.38% | 33.33% | Pass |
| Accounts receivable | 8.33% | 33.33% | Pass |
| Non-permissible income | 7.67% | 5.00% | Fail |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 7.24% | 33.33% | Pass |
| Cash + interest-bearing securities | 7.38% | 33.33% | Pass |
| Accounts receivable | 8.33% | 50.00% | Pass |
| Non-permissible income | 7.67% | 5.00% | Fail |
Scored against a trailing-average market cap (24-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 12.83% | 33.00% | Pass |
| Cash + interest-bearing securities | 13.08% | 33.00% | Pass |
| Accounts receivable | 1.69% | 33.00% | Pass |
| Non-permissible income | 7.67% | 5.00% | Fail |
Scored against a trailing-average market cap (36-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 14.00% | 33.00% | Pass |
| Cash + interest-bearing securities | 14.28% | 49.00% | Pass |
| Accounts receivable | 1.84% | 49.00% | Pass |
| Non-permissible income | 7.67% | 5.00% | Fail |
Scored against a trailing-average market cap (36-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 14.00% | 33.33% | Pass |
| Cash + interest-bearing securities | 14.28% | 33.33% | Pass |
| Accounts receivable | 16.11% | 49.00% | Pass |
| Non-permissible income | 7.67% | 5.00% | Fail |
Research only, not investment advice. Thresholds are each standard-setter's published limits; a ratio marked “at least” is a floor, not a ceiling.
Pinch or scroll to zoom · drag to pan — both axes move · double-click to reset
Classic floor-trader pivots from the last completed daily bar. Highlighted pills are the levels bracketing the current price.
The range is measured volatility (ATR over the horizon), not a target — a wider band means a more volatile asset, not a stronger view. The direction is the indicator tally above. Every forecast is recorded when made and scored against the real price when it comes due, including the wrong ones. Not a recommendation, and not a fatwa.
| Indicator | Value | Signal |
|---|---|---|
| RSI (14) | 50.50 | NEUTRAL |
| Stochastic %K (14) | 34.41 | NEUTRAL |
| CCI (20) | -44.12 | NEUTRAL |
| Williams %R (14) | -65.59 | NEUTRAL |
| MACD (12,26,9) | -178.27 | SELL |
| ROC (10) | -4.78 | SELL |
| Momentum (10) | -2043.00 | SELL |
| EMA (10) | 40641.45 | BUY |
| SMA (10) | 40789.80 | SELL |
| EMA (20) | 40716.67 | BUY |
| SMA (20) | 40884.90 | SELL |
| EMA (30) | 40616.38 | BUY |
| SMA (30) | 40717.97 | BUY |
| EMA (50) | 40378.15 | BUY |
| SMA (50) | 40345.32 | BUY |
| EMA (100) | 40199.84 | BUY |
| SMA (100) | 39570.33 | BUY |
| EMA (200) | 40699.81 | BUY |
| SMA (200) | 40875.09 | SELL |
Standard indicator thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20, MACD histogram sign, price vs. average) computed on daily bars. A summary of what common indicators say — not a recommendation, and not this site's own trading verdict.
Financial Services · Insurance - Specialty
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. It offers personal insurance, such as car insurance, home, contents insurance, building insurance, all risk insurance, watercraft insurance, drone insurance, travel insurance, and personal legal insurance; business insurance, including motor insurance, property insurance, small, business insurance, liability insurance, business legal insurance, and industry specific products. The company also provides insurance for specialized risks comprising accident and health, aviation, business travel insurance, casualty, cell captive, commercial drone, construction and engineering, corporate property, crop insurance, emerging business, family protect, heavy haulage, legal insurance, marine, motor fleets, private client, and structured insurance. In addition, it offers insurance for agriculture consisting of asset insurance, crop insurance, and agriculture legal insurance; guest house insurance; and tourism, leisure and entertainment, and reinsurance insurance. The company was incorporated in 1918 and is headquartered in Bellville, South Africa. Santam Ltd operates as a subsidiary of Sanlam Life Insurance Limited.
Background via Yahoo Finance — informational, not part of the verdict.
Peer movement computing — it will appear here on its own.
NO DATA 0 buys · 0 sells
NEUTRAL report date 2026-09-01 · Asset managers net 934180 (-19048)
Plain-language summary of the evidence already on this page — the Sharia screen, structure, momentum, and order flow above. It explains the read; it doesn't make the call. Generated on demand (a live AI call), never run automatically.