Jubilee Holdings (DAR:JHL) Cyclically Adjusted PB Ratio: (As of Sep. 22, 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.

DAR:JHL Jubilee Holdings Ltd DAR:JHL
99 GF Score
Price TZS8,700.00
GF Value TZS7,554.26
! 6 Warning Signs
View Full Analysis

What is Jubilee Holdings Cyclically Adjusted PB Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


Jubilee Holdings  (DAR:JHL) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.


Jubilee Holdings Cyclically Adjusted PB Ratio Related Terms


Jubilee Holdings Cyclically Adjusted PB Ratio Historical Data

* Premium members only.

The historical data trend for Jubilee Holdings's Cyclically Adjusted PB Ratio 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 Holdings Cyclically Adjusted PB Ratio Chart

Jubilee Holdings Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.83 0.40 0.29 0.30 0.53

Jubilee Holdings Semi-Annual Data
Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25 Jun26
Cyclically Adjusted PB Ratio 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 0.33 0.29 0.38 0.52 0.67

DAR:JHL vs BRK.A, AIG, HIG: Cyclically Adjusted PB Ratio Comparison

For the Insurance - Diversified subindustry, Jubilee Holdings'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 Holdings Cyclically Adjusted PB Ratio vs Insurance Industry

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

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


DAR:JHL
99GF Score
Jubilee Holdings Ltd DAR:JHL
Cyclically Adjusted PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Jubilee Holdings Cyclically Adjusted PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

Jubilee Holdings's Cyclically Adjusted Book per Share for the fiscal year that ended in Dec25 is calculated as:

For example, Jubilee Holdings's adjusted Book Value per Share data for the fiscal year that ended in Dec25 was:

Adj_Book=Book Value per Share/CPI of Dec25 (Change)*Current CPI (Dec25)
=14646.603/324.0540*324.0540
=14,646.603

Current CPI (Dec25) = 324.0540.

Jubilee Holdings Annual Data

Book Value per Share CPI Adj_Book
201612 6,291.241 241.432 8,444.207
201712 7,569.702 246.524 9,950.318
201812 8,523.620 251.233 10,994.229
201912 9,549.004 256.974 12,041.658
202012 10,412.695 260.474 12,954.366
202112 11,878.599 278.802 13,806.599
202212 12,309.877 296.797 13,440.381
202312 11,079.651 306.746 11,704.815
202412 13,321.938 315.605 13,678.577
202512 14,646.603 324.054 14,646.603

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

Is Jubilee Holdings (DAR:JHL) Overvalued in 2026?

Based on GuruFocus' analysis, Jubilee Holdings stock appears to be overvalued. The current stock price of TZS8,700.00 is trading 15.2% above its estimated GF Value™ of TZS7,554.26.

Key valuation signals for DAR:JHL:

  • Cyclically Adjusted PB Ratio:
  • GF Value™: TZS7,554.26 vs. price of TZS8,700.00 (15.2% above fair value)
  • GF Score™: 99/100 with 6 warning signs

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


Jubilee Holdings Business Description

Other Exchanges JUB:Kenya
Address Upper hill, Kilimanjaro avenue, P.O. Box 30376, Nairobi, KEN, 00100
Jubilee Holdings Ltd is an insurance company. The Company, through its subsidiaries and associates, provides Life insurance, Health insurance, and property and casualty insurance, retirement products, and broader financial-related services to customers in Kenya, Uganda, Tanzania, Burundi, and Mauritius. It also owns investment companies and financial advisory companies in Kenya, Uganda, Mauritius, Tanzania and Burundi. The company's segment includes General; Health; Ordinary, Group Life and Pensions and Investments. It generates maximum revenue from the Health segment.
99GF Score

Get the complete analysis for DAR:JHL

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

TZS8,700.00
Price
TZS7,554.26
GF Value