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.
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.
Liberty Kenya Holdings (NAI:LBTY) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Liberty Kenya Holdings Equity-to-Asset Related Terms
Liberty Kenya Holdings Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Liberty Kenya Holdings's Equity-to-Asset 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: Equity-to-Asset Comparison
For the Insurance - Diversified subindustry, Liberty Kenya Holdings's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Liberty Kenya Holdings's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Liberty Kenya Holdings's Equity-to-Asset falls into.
Liberty Kenya Holdings Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Liberty Kenya Holdings's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.22 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Liberty Kenya Holdings and its competitors. This is near median its historical median of 0.21. Over the past decade, Liberty Kenya Holdings' Equity-to-Asset has ranged from 0.19 to 0.22. According to the industry distribution chart, Liberty Kenya Holdings ranks #291 out of 500 companies in the Insurance industry, placing it in the top 58.2%.
Is Liberty Kenya Holdings' Equity-to-Asset too high?
Liberty Kenya Holdings' current Equity-to-Asset of 0.22 is near median its 10-year median of 0.21. Over the past 10 years, this metric has ranged from a low of 0.19 to a high of 0.22. The Insurance industry median Equity-to-Asset is 0.26. Liberty Kenya Holdings' value of 0.22 is 15.4% below this industry median. Based on the distribution chart, Liberty Kenya Holdings ranks #291 out of 500 companies in the Insurance industry, which is below the industry midpoint. Overall, Liberty Kenya Holdings has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Liberty Kenya Holdings' Equity-to-Asset compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Liberty Kenya Holdings ranks #291 out of 500 companies for Equity-to-Asset. This places Liberty Kenya Holdings in the lower half of its industry. The industry median Equity-to-Asset is 0.26. Liberty Kenya Holdings' value of 0.22 is 15.4% below this benchmark. Historically, Liberty Kenya Holdings' own Equity-to-Asset has ranged from 0.19 to 0.22 over the past decade. While the company's 10-year median is 0.21 vs. the industry median of 0.26, 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 Equity-to-Asset for an Insurance company?
The median Equity-to-Asset among Insurance companies is 0.26, based on 500 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Liberty Kenya Holdings's current Equity-to-Asset of 0.22 is 15.4% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Liberty Kenya Holdings and its competitors. For the Insurance industry, the median Equity-to-Asset is 0.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Liberty Kenya Holdings's current Equity-to-Asset is 0.22, which is near median its own 10-year median of 0.21. 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 KES8.69, compared to a current price of KES9.22 — trading 6.1% above its estimated fair value. The current Equity-to-Asset is 0.22, which is near median its 10-year median of 0.21 and 15.4% below the Insurance industry median of 0.26. Liberty Kenya Holdings' overall GF Score™ is 64/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Liberty Kenya Holdings (NAI:LBTY), the current Equity-to-Asset is 0.22 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 KES9.22 is trading 6.1% above its estimated GF Value™ of KES8.69.
GuruFocus considers Liberty Kenya Holdings to be Fairly Valued.
Key valuation signals for NAI:LBTY:
Equity-to-Asset: 0.22 (near median its 10-year median of 0.21)
GF Value™: KES8.69 vs. price of KES9.22 (6.1% above fair value)
Industry Position: 15.4% below the Insurance median (#291 of 500)
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.
64GF Score
Get the complete analysis for NAI:LBTY
Equity-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NAI:LBTY has been successfully added to your 
