Jubilee Holdings (NAI:JUB) Retained Earnings: KES45,098 Mil (As of Dec. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

NAI:JUB Jubilee Holdings Ltd NAI:JUB
76 GF Score
Price KES402.50
GF Value KES315.40
Valuation Modestly Overvalued
! 6 Warning Signs
View Full Analysis

What is Jubilee Holdings Retained Earnings?

Jubilee Holdings NAI:JUB -0.62% 76 Retained Earnings is KES45,098 Mil as of Dec. 2025. GuruFocus rates NAI:JUB with a GF Score™ of 76/100 and a GF Value™ of KES315.40 (Modestly Overvalued). The stock has 6 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Jubilee Holdings's retained earnings for the quarter that ended in Dec. 2025 was KES45,098 Mil.

Jubilee Holdings's quarterly retained earnings increased from Dec. 2023 (KES36,595 Mil) to Dec. 2024 (KES40,410 Mil) and increased from Dec. 2024 (KES40,410 Mil) to Dec. 2025 (KES45,098 Mil).

Jubilee Holdings's annual retained earnings increased from Dec. 2023 (KES36,595 Mil) to Dec. 2024 (KES40,410 Mil) and increased from Dec. 2024 (KES40,410 Mil) to Dec. 2025 (KES45,098 Mil).


Jubilee Holdings  (NAI:JUB) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


Jubilee Holdings Retained Earnings Historical Data

* Premium members only.

The historical data trend for Jubilee Holdings's Retained Earnings 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.

Jubilee Holdings Retained Earnings Chart

Jubilee Holdings Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 33,364.10 35,780.57 36,595.31 40,409.54 45,097.89

Jubilee Holdings Semi-Annual Data
Dec08 Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Retained Earnings Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 33,364.10 35,780.57 36,595.31 40,409.54 45,097.89
NAI:JUB
76GF Score
Jubilee Holdings Ltd NAI:JUB
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Jubilee Holdings Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of KES45,098 Mil mean?
Jubilee Holdings (NAI:JUB) has a Retained Earnings of KES45,098 Mil as of Dec. 2025. Retained earnings is the amount of net income not issued to shareholders. View historical data on Jubilee Holdings and its competitors.
Is Jubilee Holdings' Retained Earnings too high?
Jubilee Holdings' current Retained Earnings is KES45,098 Mil. 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' Retained Earnings compare to BRK.A and AIG?
Jubilee Holdings' Retained Earnings of KES45,098 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for an Insurance company?
A good Retained Earnings depends on the Insurance industry context. However, Retained Earnings should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Jubilee Holdings and its competitors. Jubilee Holdings's current Retained Earnings is KES45,098 Mil. 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 KES315.40, compared to a current price of KES402.50 — trading 27.6% above its estimated fair value. The current Retained Earnings is KES45,098 Mil. 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 Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Jubilee Holdings (NAI:JUB), the current Retained Earnings is KES45,098 Mil 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 KES402.50 is trading 27.6% above its estimated GF Value™ of KES315.40. GuruFocus considers Jubilee Holdings to be Modestly Overvalued.

Key valuation signals for NAI:JUB:

  • Retained Earnings: KES45,098 Mil
  • GF Value™: KES315.40 vs. price of KES402.50 (27.6% above fair value)
  • GF Score™: 76/100 with 6 warning signs

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 Business Description

Other Exchanges JHL:Tanzania
Address Upper hill, Kilimanjaro avenue, P.O. Box 30376, Nairobi, KEN, 00100
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

Get the complete analysis for NAI:JUB

Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

KES402.50
Price
KES315.40
GF Value