Jubilee HoldingsNAI:JUB +0.20%76 Pretax Margin % is 20.56% as of Dec. 2025, which is 10% above its 10-year median of 18.69. 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 75.75% on this metric.
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Jubilee Holdings Pretax Margin % Related Terms
Jubilee Holdings Pretax Margin % Historical Data
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The historical data trend for Jubilee Holdings's Pretax 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: Pretax Margin % Comparison
For the Insurance - Diversified subindustry, Jubilee Holdings's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Jubilee Holdings's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Jubilee Holdings's Pretax 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 Pretax Margin % of 20.56% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Jubilee Holdings and its competitors. This is 10% above median its historical median of 18.69. Over the past decade, Jubilee Holdings' Pretax Margin % has ranged from 14.51 to 28.21. According to the industry distribution chart, Jubilee Holdings ranks #122 out of 503 companies in the Insurance industry, placing it in the top 24.3%.
Is Jubilee Holdings' Pretax Margin % too high?
Jubilee Holdings' current Pretax Margin % of 20.56% is 10% above median its 10-year median of 18.69. Over the past 10 years, this metric has ranged from a low of 14.51 to a high of 28.21. The Insurance industry median Pretax Margin % is 11.99. Jubilee Holdings' value of 20.56% is 71.5% above this industry median. Based on the distribution chart, Jubilee Holdings ranks #122 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' Pretax Margin % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Jubilee Holdings ranks #122 out of 503 companies for Pretax Margin %. This places Jubilee Holdings in the top 24% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 11.99. Jubilee Holdings' value of 20.56% is 71.5% above this benchmark. Historically, Jubilee Holdings' own Pretax Margin % has ranged from 14.51 to 28.21 over the past decade. While the company's 10-year median is 18.69 vs. the industry median of 11.99, 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 Pretax Margin % for an Insurance company?
The median Pretax Margin % among Insurance companies is 11.99, based on 503 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jubilee Holdings's current Pretax Margin % of 20.56% is 71.5% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Jubilee Holdings and its competitors. For the Insurance industry, the median Pretax Margin % is 11.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jubilee Holdings's current Pretax Margin % is 20.56%, which is 10% above median its own 10-year median of 18.69. 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 Pretax Margin % is 20.56%, which is 10% above median its 10-year median of 18.69 and 71.5% above the Insurance industry median of 11.99. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Jubilee Holdings (NAI:JUB), the current Pretax Margin % is 20.56% 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:
Pretax Margin %: 20.56% (10% above median its 10-year median of 18.69)
GF Value™: KES309.34 vs. price of KES382.75 (23.7% above fair value)
Industry Position: 71.5% above the Insurance median (#122 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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