Jubilee HoldingsNAI:JUB +0.20%76 Net Margin % is 16.54% as of Dec. 2025, which is 24% above its 10-year median of 13.32. 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 503 Insurance companies, Jubilee Holdings ranks better than 77.14% on this metric.
The historical rank and industry rank for Jubilee Holdings's Net Margin % or its related term are showing as below:
NAI:JUB'
s Net Margin % Range Over the Past 10 Years
Min: 10.83 Med: 13.32 Max: 23.37
Current: 16.54
NAI:JUB's Net Margin % is ranked better than 77.14% of 503
companies
in the Insurance industry
Industry Median: 9.25
vs NAI:JUB: 16.54
Jubilee Holdings (NAI:JUB) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Jubilee Holdings Net Margin % Related Terms
Jubilee Holdings Net Margin % Historical Data
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The historical data trend for Jubilee Holdings's Net Margin % 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:JUB vs BRK.A, AIG, HIG: Net Margin % Comparison
For the Insurance - Diversified subindustry, Jubilee Holdings's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Jubilee Holdings's Net Margin % distribution charts can be found below:
* The bar in red indicates where Jubilee Holdings's Net Margin % 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.
Jubilee Holdings (NAI:JUB) has a Net Margin % of 16.54% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Jubilee Holdings and its competitors. This is 24% above median its historical median of 13.32. Over the past decade, Jubilee Holdings' Net Margin % has ranged from 10.83 to 23.37. According to the industry distribution chart, Jubilee Holdings ranks #115 out of 503 companies in the Insurance industry, placing it in the top 22.9%.
Is Jubilee Holdings' Net Margin % too high?
Jubilee Holdings' current Net Margin % of 16.54% is 24% above median its 10-year median of 13.32. Over the past 10 years, this metric has ranged from a low of 10.83 to a high of 23.37. The Insurance industry median Net Margin % is 9.25. Jubilee Holdings' value of 16.54% is 78.8% above this industry median. Based on the distribution chart, Jubilee Holdings ranks #115 out of 503 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. 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' Net Margin % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Jubilee Holdings ranks #115 out of 503 companies for Net Margin %. This places Jubilee Holdings in the top 23% of its industry — outperforming the majority of peers. The industry median Net Margin % is 9.25. Jubilee Holdings' value of 16.54% is 78.8% above this benchmark. Historically, Jubilee Holdings' own Net Margin % has ranged from 10.83 to 23.37 over the past decade. While the company's 10-year median is 13.32 vs. the industry median of 9.25, 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 Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.25, based on 503 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jubilee Holdings's current Net Margin % of 16.54% is 78.8% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Jubilee Holdings and its competitors. For the Insurance industry, the median Net Margin % is 9.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jubilee Holdings's current Net Margin % is 16.54%, which is 24% above median its own 10-year median of 13.32. 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 Net Margin % is 16.54%, which is 24% above median its 10-year median of 13.32 and 78.8% above the Insurance industry median of 9.25. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Jubilee Holdings (NAI:JUB), the current Net Margin % is 16.54% 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:
Net Margin %: 16.54% (24% above median its 10-year median of 13.32)
GF Value™: KES309.34 vs. price of KES382.75 (23.7% above fair value)
Industry Position: 78.8% above the Insurance median (#115 of 503)
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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