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.
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.
Jubilee HoldingsNAI:JUB +0.13%75 Return-on-Tangible-Equity is 11.28% as of Dec. 2025, which is 14% below its 10-year median of 13.06. GuruFocus rates NAI:JUB with a GF Score™ of 75/100 and a GF Value™ of KES311.20 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 496 Insurance companies, Jubilee Holdings ranks worse than 57.06% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Jubilee Holdings's annualized net income for the quarter that ended in Dec. 2025 was KES5,782 Mil. Jubilee Holdings's average shareholder tangible equity for the quarter that ended in Dec. 2025 was KES51,238 Mil. Therefore, Jubilee Holdings's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 11.28%.
The historical rank and industry rank for Jubilee Holdings's Return-on-Tangible-Equity or its related term are showing as below:
NAI:JUB'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 5.26 Med: 13.06 Max: 18.5
Current: 11.28
During the past 13 years, Jubilee Holdings's highest Return-on-Tangible-Equity was 18.50%. The lowest was 5.26%. And the median was 13.06%.
NAI:JUB's Return-on-Tangible-Equity is ranked worse than 57.06% of 496
companies
in the Insurance industry
Industry Median: 13.43
vs NAI:JUB: 11.28
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Jubilee Holdings Return-on-Tangible-Equity Related Terms
Jubilee Holdings Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Jubilee Holdings's Return-on-Tangible-Equity 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-Equity Comparison
For the Insurance - Diversified subindustry, Jubilee Holdings's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Jubilee Holdings's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Jubilee Holdings's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 11.28% mean?
Jubilee Holdings (NAI:JUB) has a Return-on-Tangible-Equity of 11.28% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Jubilee Holdings and its competitors. This is 14% below median its historical median of 13.06. Over the past decade, Jubilee Holdings' Return-on-Tangible-Equity has ranged from 5.26 to 18.50. According to the industry distribution chart, Jubilee Holdings ranks #283 out of 496 companies in the Insurance industry, placing it in the top 57.1%.
Is Jubilee Holdings' Return-on-Tangible-Equity too high?
Jubilee Holdings' current Return-on-Tangible-Equity of 11.28% is 14% below median its 10-year median of 13.06. Over the past 10 years, this metric has ranged from a low of 5.26 to a high of 18.50. The Insurance industry median Return-on-Tangible-Equity is 13.43. Jubilee Holdings' value of 11.28% is 16% below this industry median. Based on the distribution chart, Jubilee Holdings ranks #283 out of 496 companies in the Insurance industry, which is below the industry midpoint. Overall, Jubilee Holdings has a GF Score™ of 75/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Jubilee Holdings' Return-on-Tangible-Equity compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Jubilee Holdings ranks #283 out of 496 companies for Return-on-Tangible-Equity. This places Jubilee Holdings in the lower half of its industry. The industry median Return-on-Tangible-Equity is 13.43. Jubilee Holdings' value of 11.28% is 16% below this benchmark. Historically, Jubilee Holdings' own Return-on-Tangible-Equity has ranged from 5.26 to 18.50 over the past decade. While the company's 10-year median is 13.06 vs. the industry median of 13.43, 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-Equity for an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.43, based on 496 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jubilee Holdings's current Return-on-Tangible-Equity of 11.28% is 16% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Jubilee Holdings and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.43 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jubilee Holdings's current Return-on-Tangible-Equity is 11.28%, which is 14% below median its own 10-year median of 13.06. 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 KES311.20, compared to a current price of KES377.25 — trading 21.2% above its estimated fair value. The current Return-on-Tangible-Equity is 11.28%, which is 14% below median its 10-year median of 13.06 and 16% below the Insurance industry median of 13.43. 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Jubilee Holdings (NAI:JUB), the current Return-on-Tangible-Equity is 11.28% 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 KES377.25 is trading 21.2% above its estimated GF Value™ of KES311.20.
GuruFocus considers Jubilee Holdings to be Modestly Overvalued.
Key valuation signals for NAI:JUB:
Return-on-Tangible-Equity: 11.28% (14% below median its 10-year median of 13.06)
GF Value™: KES311.20 vs. price of KES377.25 (21.2% above fair value)
Industry Position: 16% below the Insurance median (#283 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.
75GF Score
Get the complete analysis for NAI:JUB
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NAI:JUB has been successfully added to your 
