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A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Liberty Kenya Holdings's Debt-to-Equity or its related term are showing as below:
NAI:LBTY'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.01 Med: 0.01 Max: 0.02
Current: 0.01
During the past 13 years, the highest Debt-to-Equity Ratio of Liberty Kenya Holdings was 0.02. The lowest was 0.01. And the median was 0.01.
NAI:LBTY's Debt-to-Equity is ranked better than 99.75% of 404
companies
in the Insurance industry
Industry Median: 0.21
vs NAI:LBTY: 0.01
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Liberty Kenya Holdings Debt-to-Equity Related Terms
Liberty Kenya Holdings Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Liberty Kenya Holdings's Debt-to-Equity 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:LBTY vs BRK.A, AIG, HIG: Debt-to-Equity Comparison
For the Insurance - Diversified subindustry, Liberty Kenya Holdings's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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.
Liberty Kenya Holdings Debt-to-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Liberty Kenya Holdings's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Liberty Kenya Holdings's Debt-to-Equity 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.
Liberty Kenya Holdings (NAI:LBTY) has a Debt-to-Equity of 0.01 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Liberty Kenya Holdings and its competitors. This is near median its historical median of 0.01. Over the past decade, Liberty Kenya Holdings' Debt-to-Equity has ranged from 0.01 to 0.02. According to the industry distribution chart, Liberty Kenya Holdings ranks #1 out of 404 companies in the Insurance industry, placing it in the top 0.2%.
Is Liberty Kenya Holdings' Debt-to-Equity too high?
Liberty Kenya Holdings' current Debt-to-Equity of 0.01 is near median its 10-year median of 0.01. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 0.02. The Insurance industry median Debt-to-Equity is 0.21. Liberty Kenya Holdings' value of 0.01 is 95.2% below this industry median. Based on the distribution chart, Liberty Kenya Holdings ranks #1 out of 404 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Liberty Kenya Holdings has a GF Score™ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Liberty Kenya Holdings' Debt-to-Equity compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Liberty Kenya Holdings ranks #1 out of 404 companies for Debt-to-Equity. This places Liberty Kenya Holdings in the top 0% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.21. Liberty Kenya Holdings' value of 0.01 is 95.2% below this benchmark. Historically, Liberty Kenya Holdings' own Debt-to-Equity has ranged from 0.01 to 0.02 over the past decade. While the company's 10-year median is 0.01 vs. the industry median of 0.21, Liberty Kenya 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-Equity for an Insurance company?
The median Debt-to-Equity among Insurance companies is 0.21, based on 404 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Liberty Kenya Holdings's current Debt-to-Equity of 0.01 is 95.2% 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-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Liberty Kenya Holdings and its competitors. For the Insurance industry, the median Debt-to-Equity is 0.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Liberty Kenya Holdings's current Debt-to-Equity is 0.01, which is near median its own 10-year median of 0.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Liberty Kenya Holdings stock overvalued right now?
Based on GuruFocus' analysis, Liberty Kenya Holdings (NAI:LBTY) is currently considered Fairly Valued. The stock's GF Value™ is KES8.66, compared to a current price of KES9.40 — trading 8.5% above its estimated fair value. The current Debt-to-Equity is 0.01, which is near median its 10-year median of 0.01 and 95.2% below the Insurance industry median of 0.21. Liberty Kenya Holdings' overall GF Score™ is 69/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Liberty Kenya Holdings (NAI:LBTY), the current Debt-to-Equity is 0.01 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 Liberty Kenya Holdings (NAI:LBTY) Overvalued in 2026?
Based on GuruFocus' analysis, Liberty Kenya Holdings stock appears to be overvalued.
The current stock price of KES9.40 is trading 8.5% above its estimated GF Value™ of KES8.66.
GuruFocus considers Liberty Kenya Holdings to be Fairly Valued.
Key valuation signals for NAI:LBTY:
Debt-to-Equity: 0.01 (near median its 10-year median of 0.01)
GF Value™: KES8.66 vs. price of KES9.40 (8.5% above fair value)
Industry Position: 95.2% below the Insurance median (#1 of 404)
No single metric tells the full story. See the NAI:LBTY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Liberty Kenya Holdings Ltd is an insurance company. It offers long-term insurance products, financial products, and services to the retail and corporate markets. Its products include life insurance, health insurance, and short-term insurance. The group is organized into segments are Long-term business, General businesses, and Holding company. The company generates maximum of its revenue from General business segment.
69GF Score
Get the complete analysis for NAI:LBTY
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