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Jubilee HoldingsNAI:JUB +0.42%70 Debt-to-EBITDA is 0.04 as of Dec. 2025, which is 69% below its 10-year median of 0.13. GuruFocus rates NAI:JUB with a GF Score™ of 70/100 and a GF Value™ of KES316.91 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 315 Insurance companies, Jubilee Holdings ranks better than 94.29% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Jubilee Holdings's Debt-to-EBITDA or its related term are showing as below:
NAI:JUB'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.04 Med: 0.13 Max: 0.44
Current: 0.04
During the past 13 years, the highest Debt-to-EBITDA Ratio of Jubilee Holdings was 0.44. The lowest was 0.04. And the median was 0.13.
NAI:JUB's Debt-to-EBITDA is ranked better than 94.29% of 315
companies
in the Insurance industry
Industry Median: 1.24
vs NAI:JUB: 0.04
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Jubilee Holdings Debt-to-EBITDA Related Terms
Jubilee Holdings Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Jubilee Holdings's Debt-to-EBITDA 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.
NAI:JUB vs BRK.A, AIG, HIG: Debt-to-EBITDA Comparison
For the Insurance - Diversified subindustry, Jubilee Holdings's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Jubilee Holdings's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Jubilee Holdings's Debt-to-EBITDA falls into.
* 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is one times the quarterly (Dec. 2025) EBITDA data.
Jubilee Holdings (NAI:JUB) has a Debt-to-EBITDA of 0.04 as of Dec. 2025. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Jubilee Holdings. This is 69% below median its historical median of 0.13. Over the past decade, Jubilee Holdings' Debt-to-EBITDA has ranged from 0.04 to 0.44. According to the industry distribution chart, Jubilee Holdings ranks #18 out of 315 companies in the Insurance industry, placing it in the top 5.7%.
Is Jubilee Holdings' Debt-to-EBITDA too high?
Jubilee Holdings' current Debt-to-EBITDA of 0.04 is 69% below median its 10-year median of 0.13. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 0.44. The Insurance industry median Debt-to-EBITDA is 1.24. Jubilee Holdings' value of 0.04 is 96.8% below this industry median. Based on the distribution chart, Jubilee Holdings ranks #18 out of 315 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Jubilee Holdings has a GF Score™ of 70/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Jubilee Holdings' Debt-to-EBITDA compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Jubilee Holdings ranks #18 out of 315 companies for Debt-to-EBITDA. This places Jubilee Holdings in the top 6% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 1.24. Jubilee Holdings' value of 0.04 is 96.8% below this benchmark. Historically, Jubilee Holdings' own Debt-to-EBITDA has ranged from 0.04 to 0.44 over the past decade. While the company's 10-year median is 0.13 vs. the industry median of 1.24, Jubilee Holdings has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.24, based on 315 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jubilee Holdings's current Debt-to-EBITDA of 0.04 is 96.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Jubilee Holdings. For the Insurance industry, the median Debt-to-EBITDA is 1.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jubilee Holdings's current Debt-to-EBITDA is 0.04, which is 69% below median its own 10-year median of 0.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jubilee Holdings stock overvalued right now?
Based on GuruFocus' analysis, Jubilee Holdings (NAI:JUB) is currently considered Significantly Overvalued. The stock's GF Value™ is KES316.91, compared to a current price of KES414.00 — trading 30.6% above its estimated fair value. The current Debt-to-EBITDA is 0.04, which is 69% below median its 10-year median of 0.13 and 96.8% below the Insurance industry median of 1.24. Jubilee Holdings' overall GF Score™ is 70/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Jubilee Holdings (NAI:JUB), the current Debt-to-EBITDA is 0.04 as of Dec. 2025. 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 Holdings (NAI:JUB) Overvalued in 2026?
Based on GuruFocus' analysis, Jubilee Holdings stock appears to be overvalued.
The current stock price of KES414.00 is trading 30.6% above its estimated GF Value™ of KES316.91.
GuruFocus considers Jubilee Holdings to be Significantly Overvalued.
Key valuation signals for NAI:JUB:
Debt-to-EBITDA: 0.04 (69% below median its 10-year median of 0.13)
GF Value™: KES316.91 vs. price of KES414.00 (30.6% above fair value)
Industry Position: 96.8% below the Insurance median (#18 of 315)
No single metric tells the full story. See the NAI:JUB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
70GF Score
Get the complete analysis for NAI:JUB
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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