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Jubilee HoldingsNAI:JUB +5.13%75 Return-on-Tangible-Asset is 2.48% as of Dec. 2025, which is 21% below its 10-year median of 3.15. GuruFocus rates NAI:JUB with a GF Score™ of 75/100 and a GF Value™ of KES314.00 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 507 Insurance companies, Jubilee Holdings ranks worse than 52.27% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Jubilee Holdings's annualizedNet Income for the quarter that ended in Dec. 2025 was KES5,782 Mil. Jubilee Holdings's average total tangible assets for the quarter that ended in Dec. 2025 was KES232,905 Mil. Therefore, Jubilee Holdings's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 2.48%.
The historical rank and industry rank for Jubilee Holdings's Return-on-Tangible-Asset or its related term are showing as below:
NAI:JUB'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 1.38 Med: 3.15 Max: 4.37
Current: 2.48
During the past 13 years, Jubilee Holdings's highest Return-on-Tangible-Asset was 4.37%. The lowest was 1.38%. And the median was 3.15%.
NAI:JUB's Return-on-Tangible-Asset is ranked worse than 52.27% of 507
companies
in the Insurance industry
Industry Median: 2.76
vs NAI:JUB: 2.48
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Jubilee Holdings Return-on-Tangible-Asset Related Terms
Jubilee Holdings Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Jubilee Holdings's Return-on-Tangible-Asset 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: Return-on-Tangible-Asset Comparison
For the Insurance - Diversified subindustry, Jubilee Holdings's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Jubilee Holdings's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Jubilee Holdings's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is one times the annual (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of 2.48% mean?
Jubilee Holdings (NAI:JUB) has a Return-on-Tangible-Asset of 2.48% as of Dec. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Jubilee Holdings and its competitors. This is 21% below median its historical median of 3.15. Over the past decade, Jubilee Holdings' Return-on-Tangible-Asset has ranged from 1.38 to 4.37. According to the industry distribution chart, Jubilee Holdings ranks #265 out of 507 companies in the Insurance industry, placing it in the top 52.3%.
Is Jubilee Holdings' Return-on-Tangible-Asset too high?
Jubilee Holdings' current Return-on-Tangible-Asset of 2.48% is 21% below median its 10-year median of 3.15. Over the past 10 years, this metric has ranged from a low of 1.38 to a high of 4.37. The Insurance industry median Return-on-Tangible-Asset is 2.76. Jubilee Holdings' value of 2.48% is 10.1% below this industry median. Based on the distribution chart, Jubilee Holdings ranks #265 out of 507 companies in the Insurance industry, which is below the industry midpoint. Overall, Jubilee Holdings has a GF Score™ of 75/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Jubilee Holdings' Return-on-Tangible-Asset compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Jubilee Holdings ranks #265 out of 507 companies for Return-on-Tangible-Asset. This places Jubilee Holdings in the lower half of its industry. The industry median Return-on-Tangible-Asset is 2.76. Jubilee Holdings' value of 2.48% is 10.1% below this benchmark. Historically, Jubilee Holdings' own Return-on-Tangible-Asset has ranged from 1.38 to 4.37 over the past decade. While the company's 10-year median is 3.15 vs. the industry median of 2.76, 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 Return-on-Tangible-Asset for an Insurance company?
The median Return-on-Tangible-Asset among Insurance companies is 2.76, based on 507 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jubilee Holdings's current Return-on-Tangible-Asset of 2.48% is 10.1% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Jubilee Holdings and its competitors. For the Insurance industry, the median Return-on-Tangible-Asset is 2.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jubilee Holdings's current Return-on-Tangible-Asset is 2.48%, which is 21% below median its own 10-year median of 3.15. 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 Significantly Overvalued. The stock's GF Value™ is KES314.00, compared to a current price of KES420.25 — trading 33.8% above its estimated fair value. The current Return-on-Tangible-Asset is 2.48%, which is 21% below median its 10-year median of 3.15 and 10.1% below the Insurance industry median of 2.76. Jubilee Holdings' overall GF Score™ is 75/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Jubilee Holdings (NAI:JUB), the current Return-on-Tangible-Asset is 2.48% 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 KES420.25 is trading 33.8% above its estimated GF Value™ of KES314.00.
GuruFocus considers Jubilee Holdings to be Significantly Overvalued.
Key valuation signals for NAI:JUB:
Return-on-Tangible-Asset: 2.48% (21% below median its 10-year median of 3.15)
GF Value™: KES314.00 vs. price of KES420.25 (33.8% above fair value)
Industry Position: 10.1% below the Insurance median (#265 of 507)
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.
75GF Score
Get the complete analysis for NAI:JUB
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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