Jubilee Life Insurance Co (KAR:JLICL) Cyclically Adjusted Book per Share: ₨140.90 (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

KAR:JLICL Jubilee Life Insurance Co Ltd KAR:JLICL
71 GF Score
Price ₨175.29
GF Value ₨157.66
Valuation Modestly Overvalued
! 2 Warning Signs
View Full Analysis

What is Jubilee Life Insurance Co Cyclically Adjusted Book per Share?

Jubilee Life Insurance Co KAR:JLICL 71 Cyclically Adjusted Book per Share is ₨140.90 as of Mar. 2026. GuruFocus rates KAR:JLICL with a GF Score™ of 71/100 and a GF Value™ of ₨157.66 (Modestly Overvalued). The stock has 2 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Jubilee Life Insurance Co's adjusted book value per share for the three months ended in Mar. 2026 was ₨172.385. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is ₨140.90 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Jubilee Life Insurance Co's average Cyclically Adjusted Book Growth Rate was 13.90% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 13.80% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Jubilee Life Insurance Co was 15.90% per year. The lowest was 13.80% per year. And the median was 14.85% per year.

As of today (2026-07-19), Jubilee Life Insurance Co's current stock price is ₨175.29. Jubilee Life Insurance Co's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was ₨140.90. Jubilee Life Insurance Co's Cyclically Adjusted PB Ratio of today is 1.24.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Jubilee Life Insurance Co was 4.20. The lowest was 0.87. And the median was 1.30.


Jubilee Life Insurance Co  (KAR:JLICL) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Jubilee Life Insurance Co's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=175.29/140.90
=1.24

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Jubilee Life Insurance Co was 4.20. The lowest was 0.87. And the median was 1.30.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Jubilee Life Insurance Co Cyclically Adjusted Book per Share Related Terms


Jubilee Life Insurance Co Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Jubilee Life Insurance Co's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Jubilee Life Insurance Co Cyclically Adjusted Book per Share Chart

Jubilee Life Insurance Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 76.32 91.86 103.12 118.76 135.24

Jubilee Life Insurance Co Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 123.71 127.97 132.19 135.24 140.90

KAR:JLICL vs AFL, MET, PRU: Cyclically Adjusted Book per Share Comparison

For the Insurance - Life subindustry, Jubilee Life Insurance Co's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Jubilee Life Insurance Co Cyclically Adjusted PB Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, Jubilee Life Insurance Co's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Jubilee Life Insurance Co's Cyclically Adjusted PB Ratio falls into.


KAR:JLICL
71GF Score
Jubilee Life Insurance Co Ltd KAR:JLICL
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Jubilee Life Insurance Co Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Jubilee Life Insurance Co's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=172.385/330.2130*330.2130
=172.385

Current CPI (Mar. 2026) = 330.2130.

Jubilee Life Insurance Co Quarterly Data

Book Value per Share CPI Adj_Book
201606 39.475 241.018 54.084
201609 42.025 241.428 57.480
201612 76.382 241.432 104.470
201703 46.750 243.801 63.320
201706 53.598 244.955 72.253
201709 56.657 246.819 75.800
201712 92.839 246.524 124.356
201803 99.684 249.554 131.903
201806 104.581 251.989 137.046
201809 99.587 252.439 130.269
201812 103.053 251.233 135.450
201903 106.641 254.202 138.529
201906 101.584 256.143 130.959
201909 105.231 256.759 135.336
201912 113.654 256.974 146.046
202003 104.858 258.115 134.147
202006 115.616 257.797 148.093
202009 118.743 260.280 150.647
202012 128.268 260.474 162.610
202103 119.513 264.877 148.993
202106 125.638 271.696 152.698
202109 124.680 274.310 150.089
202112 130.225 278.802 154.238
202203 135.077 287.504 155.143
202206 129.824 296.311 144.678
202209 133.607 296.808 148.644
202212 138.924 296.797 154.565
202303 133.855 301.836 146.439
202306 137.570 305.109 148.889
202309 143.754 307.789 154.227
202312 152.991 306.746 164.695
202403 157.354 312.332 166.363
202406 155.328 314.175 163.257
202409 159.364 315.301 166.901
202412 172.730 315.605 180.725
202503 174.767 319.799 180.458
202506 172.756 322.561 176.854
202509 178.806 324.800 181.786
202512 187.670 324.054 191.237
202603 172.385 330.213 172.385

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of ₨140.90 mean?
Jubilee Life Insurance Co (KAR:JLICL) has a Cyclically Adjusted Book per Share of ₨140.90 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Jubilee Life Insurance Co and its competitors.
Is Jubilee Life Insurance Co's Cyclically Adjusted Book per Share too high?
Jubilee Life Insurance Co's current Cyclically Adjusted Book per Share is ₨140.90. Overall, Jubilee Life Insurance Co has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Jubilee Life Insurance Co's Cyclically Adjusted Book per Share compare to AFL and MET?
Jubilee Life Insurance Co's Cyclically Adjusted Book per Share of ₨140.90 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for an Insurance company?
A good Cyclically Adjusted Book per Share depends on the Insurance industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Jubilee Life Insurance Co and its competitors. Jubilee Life Insurance Co's current Cyclically Adjusted Book per Share is ₨140.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jubilee Life Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, Jubilee Life Insurance Co (KAR:JLICL) is currently considered Modestly Overvalued. The stock's GF Value™ is ₨157.66, compared to a current price of ₨175.29 — trading 11.2% above its estimated fair value. The current Cyclically Adjusted Book per Share is ₨140.90. Jubilee Life Insurance Co's overall GF Score™ is 71/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Jubilee Life Insurance Co (KAR:JLICL), the current Cyclically Adjusted Book per Share is ₨140.90 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Jubilee Life Insurance Co (KAR:JLICL) Overvalued in 2026?

Based on GuruFocus' analysis, Jubilee Life Insurance Co stock appears to be overvalued. The current stock price of ₨175.29 is trading 11.2% above its estimated GF Value™ of ₨157.66. GuruFocus considers Jubilee Life Insurance Co to be Modestly Overvalued.

Key valuation signals for KAR:JLICL:

  • Cyclically Adjusted Book per Share: ₨140.90
  • GF Value™: ₨157.66 vs. price of ₨175.29 (11.2% above fair value)
  • GF Score™: 71/100 with 2 warning signs

No single metric tells the full story. See the KAR:JLICL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Jubilee Life Insurance Co Business Description

Address M.T. Khan Road, 74/1- A, Lalazar, Jubilee Life Insurance Building, Karachi, SD, PAK, 74000
Jubilee Life Insurance Co Ltd is a company that provides life insurance services. It offers non-participating policies and operates through seven segments, including Individual Life Unit Linked, Conventional Business, Accident & Health Business, Overseas Group Life & Health Business, Individual Family Takaful, Group Family Takaful, and Accident & Health Family Takaful. The company generates of its revenue from the Individual Life Unit Linked segment. These policies are mainly regular premium unit-linked policies that are determined based on the underlying assets' value.
71GF Score

Get the complete analysis for KAR:JLICL

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₨175.29
Price
₨157.66
GF Value