The historical rank and industry rank for Liberty Kenya Holdings's PB Ratio or its related term are showing as below:
NAI:LBTY'
s PB Ratio Range Over the Past 10 Years
Min: 0.22 Med: 0.54 Max: 1.53
Current: 0.48
During the past 13 years, Liberty Kenya Holdings's highest PB Ratio was 1.53. The lowest was 0.22. And the median was 0.54.
NAI:LBTY's PB Ratio is ranked better than 91.78% of 499
companies
in the Insurance industry
Industry Median: 1.42
vs NAI:LBTY: 0.48
During the past 12 months, Liberty Kenya Holdings's average Book Value Per Share Growth Rate was -2.20% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 5.70% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 4.80% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 5.20% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Liberty Kenya Holdings was 17.00% per year. The lowest was 3.00% per year. And the median was 6.50% per year.
Back to Basics: PB Ratio
Liberty Kenya Holdings (NAI:LBTY) PB Ratio Explanation
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.
* 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, Liberty Kenya 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.
Liberty Kenya Holdings PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Liberty Kenya Holdings's PB Ratio distribution charts can be found below:
* The bar in red indicates where Liberty Kenya 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.
Liberty Kenya Holdings (NAI:LBTY) has a PB Ratio of 0.48 as of Jul. 08, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Liberty Kenya Holdings and its competitors. This is 11% below median its historical median of 0.54. Over the past decade, Liberty Kenya Holdings' PB Ratio has ranged from 0.22 to 1.53. According to the industry distribution chart, Liberty Kenya Holdings ranks #41 out of 499 companies in the Insurance industry, placing it in the top 8.2%.
Is Liberty Kenya Holdings' PB Ratio too high?
Liberty Kenya Holdings' current PB Ratio of 0.48 is 11% below median its 10-year median of 0.54. Over the past 10 years, this metric has ranged from a low of 0.22 to a high of 1.53. The Insurance industry median PB Ratio is 1.42. Liberty Kenya Holdings' value of 0.48 is 66.2% below this industry median. Based on the distribution chart, Liberty Kenya Holdings ranks #41 out of 499 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' PB Ratio compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Liberty Kenya Holdings ranks #41 out of 499 companies for PB Ratio. This places Liberty Kenya Holdings in the top 8% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.42. Liberty Kenya Holdings' value of 0.48 is 66.2% below this benchmark. Historically, Liberty Kenya Holdings' own PB Ratio has ranged from 0.22 to 1.53 over the past decade. While the company's 10-year median is 0.54 vs. the industry median of 1.42, 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 PB Ratio for an Insurance company?
The median PB Ratio among Insurance companies is 1.42, based on 499 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. Liberty Kenya Holdings's current PB Ratio of 0.48 is 66.2% 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 Liberty Kenya Holdings and its competitors. For the Insurance industry, the median PB Ratio is 1.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Liberty Kenya Holdings's current PB Ratio is 0.48, which is 11% below median its own 10-year median of 0.54. 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 PB Ratio is 0.48, which is 11% below median its 10-year median of 0.54 and 66.2% below the Insurance industry median of 1.42. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Liberty Kenya Holdings (NAI:LBTY), the current PB Ratio is 0.48 as of Jul. 08, 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 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:
PB Ratio: 0.48 (11% below median its 10-year median of 0.54)
GF Value™: KES8.56 vs. price of KES9.02 (5.4% above fair value)
Industry Position: 66.2% below the Insurance median (#41 of 499)
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
Get the complete analysis for NAI:LBTY
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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