Jubilee HoldingsNAI:JUB +0.20%76 Interest Coverage is 47.86 as of Dec. 2025, which is 86% above its 10-year median of 25.68. 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. Among 352 Insurance companies, Jubilee Holdings ranks better than 70.74% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
EBIT
by its Interest Expense. Jubilee Holdings's
EBIT
for the
six
months ended in Dec. 2025 was KES7,338 Mil. Jubilee Holdings's Interest Expense for the
six
months ended in Dec. 2025 was KES-153 Mil.
Jubilee Holdings's interest coverage for the quarter that ended in Dec. 2025 was 47.86.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Jubilee Holdings's Interest Coverage or its related term are showing as below:
NAI:JUB'
s Interest Coverage Range Over the Past 10 Years
Min: 0.56 Med: 25.68 Max: 78.55
Current: 47.86
NAI:JUB's Interest Coverage is ranked better than 70.74% of 352
companies
in the Insurance industry
Industry Median: 16.245
vs NAI:JUB: 47.86
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Jubilee Holdings Interest Coverage Related Terms
Jubilee Holdings Interest Coverage Historical Data
* Premium members only.
The historical data trend for Jubilee Holdings's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
NAI:JUB vs BRK.A, AIG, HIG: Interest Coverage Comparison
For the Insurance - Diversified subindustry, Jubilee Holdings's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Jubilee Holdings's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Jubilee Holdings's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 (NAI:JUB) has a Interest Coverage of 47.86 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Jubilee Holdings and its competitors. This is 86% above median its historical median of 25.68. Over the past decade, Jubilee Holdings' Interest Coverage has ranged from 0.56 to 78.55. According to the industry distribution chart, Jubilee Holdings ranks #103 out of 352 companies in the Insurance industry, placing it in the top 29.3%.
Is Jubilee Holdings' Interest Coverage too high?
Jubilee Holdings' current Interest Coverage of 47.86 is 86% above median its 10-year median of 25.68. Over the past 10 years, this metric has ranged from a low of 0.56 to a high of 78.55. The Insurance industry median Interest Coverage is 16.25. Jubilee Holdings' value of 47.86 is 194.6% above this industry median. Based on the distribution chart, Jubilee Holdings ranks #103 out of 352 companies in the Insurance industry, which is above the industry midpoint. 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' Interest Coverage compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Jubilee Holdings ranks #103 out of 352 companies for Interest Coverage. This puts Jubilee Holdings in the upper half of its industry. The industry median Interest Coverage is 16.25. Jubilee Holdings' value of 47.86 is 194.6% above this benchmark. Historically, Jubilee Holdings' own Interest Coverage has ranged from 0.56 to 78.55 over the past decade. While the company's 10-year median is 25.68 vs. the industry median of 16.25, Jubilee Holdings has consistently been above 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 Interest Coverage for an Insurance company?
The median Interest Coverage among Insurance companies is 16.25, based on 352 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jubilee Holdings's current Interest Coverage of 47.86 is 194.6% above 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Jubilee Holdings and its competitors. For the Insurance industry, the median Interest Coverage is 16.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jubilee Holdings's current Interest Coverage is 47.86, which is 86% above median its own 10-year median of 25.68. 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 Interest Coverage is 47.86, which is 86% above median its 10-year median of 25.68 and 194.6% above the Insurance industry median of 16.25. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Jubilee Holdings (NAI:JUB), the current Interest Coverage is 47.86 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:
Interest Coverage: 47.86 (86% above median its 10-year median of 25.68)
GF Value™: KES309.34 vs. price of KES382.75 (23.7% above fair value)
Industry Position: 194.6% above the Insurance median (#103 of 352)
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.
76GF Score
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