Jubilee Holdings (NAI:JUB) E10: KES69.34 (As of Dec. 2025)


NAI:JUB Jubilee Holdings Ltd NAI:JUB
76 GF Score
Price KES382.75
GF Value KES309.34
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Jubilee Holdings E10?

Jubilee Holdings NAI:JUB +0.20% 76 E10 is KES69.34 as of Dec. 2025. GuruFocus rates NAI:JUB with a GF Score™ of 76/100 and a GF Value™ of KES309.34 (Modestly Overvalued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Jubilee Holdings's adjusted earnings per share data for the fiscal year that ended in Dec. 2025 was KES80.000. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is KES69.34 for the trailing ten years ended in Dec. 2025.

During the past 12 months, Jubilee Holdings's average E10 Growth Rate was 6.80% per year. During the past 3 years, the average E10 Growth Rate was 4.60% per year. During the past 5 years, the average E10 Growth Rate was 8.50% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Jubilee Holdings was 13.30% per year. The lowest was 4.60% per year. And the median was 11.15% per year.

As of today (2026-07-08), Jubilee Holdings's current stock price is KES 382.75. Jubilee Holdings's E10 for the fiscal year that ended in Dec. 2025 was KES69.34. Jubilee Holdings's Shiller PE Ratio of today is 5.52.

During the past 13 years, the highest Shiller PE Ratio of Jubilee Holdings was 16.28. The lowest was 2.43. And the median was 5.34.


Jubilee Holdings  (NAI:JUB) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Jubilee Holdings's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=382.75/69.34
=5.52

* 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 Shiller P/E Ratio of Jubilee Holdings was 16.28. The lowest was 2.43. And the median was 5.34.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Jubilee Holdings E10 Related Terms


Jubilee Holdings E10 Historical Data

* Premium members only.

The historical data trend for Jubilee Holdings's E10 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 E10 Chart

Jubilee Holdings Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 53.37 60.58 61.88 64.92 69.34

Jubilee Holdings Semi-Annual Data
Dec08 Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10 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 53.37 60.58 61.88 64.92 69.34

NAI:JUB vs BRK.A, AIG, HIG: E10 Comparison

For the Insurance - Diversified subindustry, Jubilee Holdings's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Insurance Industry

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

* The bar in red indicates where Jubilee Holdings's Shiller PE Ratio falls into.


NAI:JUB
76GF Score
Jubilee Holdings Ltd NAI:JUB
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Jubilee Holdings E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 Holdings's adjusted earnings per share data for the fiscal year that ended in Dec. 2025 was:

Adj_EPS=Earnings per Share (Diluted) /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=80/324.0540*324.0540
=80.000

Current CPI (Dec. 2025) = 324.0540.

Jubilee Holdings Annual Data

per_share_eps CPI Adj_EPS
201612 45.490 241.432 61.057
201712 54.260 246.524 71.324
201812 51.830 251.233 66.853
201912 49.070 256.974 61.879
202012 50.060 260.474 62.279
202112 89.880 278.802 104.468
202212 75.000 296.797 81.888
202312 34.000 306.746 35.918
202412 66.000 315.605 67.767
202512 80.000 324.054 80.000

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of KES69.34 mean?
Jubilee Holdings (NAI:JUB) has a E10 of KES69.34 as of Dec. 2025. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Jubilee Holdings and its competitors.
Is Jubilee Holdings' E10 too high?
Jubilee Holdings' current E10 is KES69.34. Overall, Jubilee Holdings has a GF Score™ of 76/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Jubilee Holdings' E10 compare to BRK.A and AIG?
Jubilee Holdings' E10 of KES69.34 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 E10 for an Insurance company?
A good E10 depends on the Insurance industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Jubilee Holdings and its competitors. Jubilee Holdings's current E10 is KES69.34. 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 Modestly Overvalued. The stock's GF Value™ is KES309.34, compared to a current price of KES382.75 — trading 23.7% above its estimated fair value. The current E10 is KES69.34. Jubilee Holdings' overall GF Score™ is 76/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Jubilee Holdings (NAI:JUB), the current E10 is KES69.34 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 KES382.75 is trading 23.7% above its estimated GF Value™ of KES309.34. GuruFocus considers Jubilee Holdings to be Modestly Overvalued.

Key valuation signals for NAI:JUB:

  • E10: KES69.34
  • GF Value™: KES309.34 vs. price of KES382.75 (23.7% above fair value)
  • GF Score™: 76/100 with 6 warning signs

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 Business Description

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.
76GF Score

Get the complete analysis for NAI:JUB

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

KES382.75
Price
KES309.34
GF Value