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Jubilee HoldingsNAI:JUB +2.83%76 PB Ratio is 0.53 as of Aug. 05, 2026, which is 15% below its 10-year median of 0.62. GuruFocus rates NAI:JUB with a GF Score™ of 76/100 and a GF Value™ of KES312.48 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 496 Insurance companies, Jubilee Holdings ranks better than 90.52% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-08-05), Jubilee Holdings's share price is KES391.00. Jubilee Holdings's Book Value per Share for the quarter that ended in Dec. 2025 was KES741.92. Hence, Jubilee Holdings's PB Ratio of today is 0.53.
Warning Sign:
Jubilee Holdings Ltd stock PB Ratio (=0.51) is close to 3-year high of 0.53.
The historical rank and industry rank for Jubilee Holdings's PB Ratio or its related term are showing as below:
NAI:JUB'
s PB Ratio Range Over the Past 10 Years
Min: 0.22 Med: 0.62 Max: 1.81
Current: 0.52
During the past 13 years, Jubilee Holdings's highest PB Ratio was 1.81. The lowest was 0.22. And the median was 0.62.
NAI:JUB's PB Ratio is ranked better than 90.52% of 496
companies
in the Insurance industry
Industry Median: 1.395
vs NAI:JUB: 0.52
During the past 12 months, Jubilee Holdings's average Book Value Per Share Growth Rate was 9.50% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 6.10% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 9.60% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 12.10% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Jubilee Holdings was 35.90% per year. The lowest was 6.10% per year. And the median was 15.90% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Jubilee Holdings PB Ratio Related Terms
Jubilee Holdings PB Ratio Historical Data
* Premium members only.
The historical data trend for Jubilee Holdings's PB Ratio 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.
For the Insurance - Diversified subindustry, Jubilee Holdings's PB Ratio, along with its competitors' market caps and PB 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 PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Jubilee Holdings's PB Ratio distribution charts can be found below:
* The bar in red indicates where Jubilee Holdings's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Jubilee Holdings (NAI:JUB) has a PB Ratio of 0.53 as of Aug. 05, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Jubilee Holdings and its competitors. This is 15% below median its historical median of 0.62. Over the past decade, Jubilee Holdings' PB Ratio has ranged from 0.22 to 1.81. According to the industry distribution chart, Jubilee Holdings ranks #47 out of 496 companies in the Insurance industry, placing it in the top 9.5%.
Is Jubilee Holdings' PB Ratio too high?
Jubilee Holdings' current PB Ratio of 0.53 is 15% below median its 10-year median of 0.62. Over the past 10 years, this metric has ranged from a low of 0.22 to a high of 1.81. The Insurance industry median PB Ratio is 1.40. Jubilee Holdings' value of 0.53 is 62% below this industry median. Based on the distribution chart, Jubilee Holdings ranks #47 out of 496 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' PB Ratio compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Jubilee Holdings ranks #47 out of 496 companies for PB Ratio. This places Jubilee Holdings in the top 10% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.40. Jubilee Holdings' value of 0.53 is 62% below this benchmark. Historically, Jubilee Holdings' own PB Ratio has ranged from 0.22 to 1.81 over the past decade. While the company's 10-year median is 0.62 vs. the industry median of 1.40, Jubilee 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 PB Ratio for an Insurance company?
The median PB Ratio among Insurance companies is 1.40, based on 496 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jubilee Holdings's current PB Ratio of 0.53 is 62% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Jubilee Holdings and its competitors. For the Insurance industry, the median PB Ratio is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jubilee Holdings's current PB Ratio is 0.53, which is 15% below median its own 10-year median of 0.62. 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 KES312.48, compared to a current price of KES391.00 — trading 25.1% above its estimated fair value. The current PB Ratio is 0.53, which is 15% below median its 10-year median of 0.62 and 62% below the Insurance industry median of 1.40. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Jubilee Holdings (NAI:JUB), the current PB Ratio is 0.53 as of Aug. 05, 2026. 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 KES391.00 is trading 25.1% above its estimated GF Value™ of KES312.48.
GuruFocus considers Jubilee Holdings to be Modestly Overvalued.
Key valuation signals for NAI:JUB:
PB Ratio: 0.53 (15% below median its 10-year median of 0.62)
GF Value™: KES312.48 vs. price of KES391.00 (25.1% above fair value)
Industry Position: 62% below the Insurance median (#47 of 496)
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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