Liberty Kenya HoldingsNAI:LBTY -0.88%69 Interest Coverage is 137.38 as of Dec. 2025, which is 252% above its 10-year median of 39.01. GuruFocus rates NAI:LBTY with a GF Score™ of 69/100 and a GF Value™ of KES8.56 (Fairly Valued). The stock has 4 warning signs investors should review. Among 352 Insurance companies, Liberty Kenya Holdings ranks better than 82.67% 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. Liberty Kenya Holdings's
EBIT
for the
six
months ended in Dec. 2025 was KES1,099 Mil. Liberty Kenya Holdings's Interest Expense for the
six
months ended in Dec. 2025 was KES-8 Mil.
Liberty Kenya Holdings's interest coverage for the quarter that ended in Dec. 2025 was 137.38.
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Ben Graham prefers companies' interest coverage to be at least 5. Liberty Kenya Holdings Ltd has enough cash to cover all of its debt. Its financial situation is stable.
The historical rank and industry rank for Liberty Kenya Holdings's Interest Coverage or its related term are showing as below:
NAI:LBTY'
s Interest Coverage Range Over the Past 10 Years
Min: 2.22 Med: 39.01 Max: 511
Current: 137.38
NAI:LBTY's Interest Coverage is ranked better than 82.67% of 352
companies
in the Insurance industry
Industry Median: 16.245
vs NAI:LBTY: 137.38
Liberty Kenya Holdings (NAI:LBTY) Interest Coverage Explanation
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 .
Liberty Kenya Holdings Interest Coverage Related Terms
Liberty Kenya Holdings Interest Coverage Historical Data
* Premium members only.
The historical data trend for Liberty Kenya 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:LBTY vs BRK.A, AIG, HIG: Interest Coverage Comparison
For the Insurance - Diversified subindustry, Liberty Kenya 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.
Liberty Kenya Holdings Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Liberty Kenya Holdings's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Liberty Kenya Holdings's Interest Coverage falls into.
Liberty Kenya Holdings Interest Coverage Calculation
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.
Liberty Kenya Holdings (NAI:LBTY) has a Interest Coverage of 137.38 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Liberty Kenya Holdings and its competitors. This is 252% above median its historical median of 39.01. Over the past decade, Liberty Kenya Holdings' Interest Coverage has ranged from 2.22 to 511.00. According to the industry distribution chart, Liberty Kenya Holdings ranks #61 out of 352 companies in the Insurance industry, placing it in the top 17.3%.
Is Liberty Kenya Holdings' Interest Coverage too high?
Liberty Kenya Holdings' current Interest Coverage of 137.38 is 252% above median its 10-year median of 39.01. Over the past 10 years, this metric has ranged from a low of 2.22 to a high of 511.00. The Insurance industry median Interest Coverage is 16.25. Liberty Kenya Holdings' value of 137.38 is 745.7% above this industry median. Based on the distribution chart, Liberty Kenya Holdings ranks #61 out of 352 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' Interest Coverage compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Liberty Kenya Holdings ranks #61 out of 352 companies for Interest Coverage. This places Liberty Kenya Holdings in the top 17% of its industry — outperforming the majority of peers. The industry median Interest Coverage is 16.25. Liberty Kenya Holdings' value of 137.38 is 745.7% above this benchmark. Historically, Liberty Kenya Holdings' own Interest Coverage has ranged from 2.22 to 511.00 over the past decade. While the company's 10-year median is 39.01 vs. the industry median of 16.25, Liberty Kenya 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. Liberty Kenya Holdings's current Interest Coverage of 137.38 is 745.7% 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 Liberty Kenya 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. Liberty Kenya Holdings's current Interest Coverage is 137.38, which is 252% above median its own 10-year median of 39.01. 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 KES8.56, compared to a current price of KES9.02 — trading 5.4% above its estimated fair value. The current Interest Coverage is 137.38, which is 252% above median its 10-year median of 39.01 and 745.7% above the Insurance industry median of 16.25. Liberty Kenya Holdings' overall GF Score™ is 69/100 with 4 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 Liberty Kenya Holdings (NAI:LBTY), the current Interest Coverage is 137.38 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 KES9.02 is trading 5.4% above its estimated GF Value™ of KES8.56.
GuruFocus considers Liberty Kenya Holdings to be Fairly Valued.
Key valuation signals for NAI:LBTY:
Interest Coverage: 137.38 (252% above median its 10-year median of 39.01)
GF Value™: KES8.56 vs. price of KES9.02 (5.4% above fair value)
Industry Position: 745.7% above the Insurance median (#61 of 352)
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
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Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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