Liberty Kenya HoldingsNAI:LBTY -0.88%69 Return-on-Tangible-Equity is 5.19% as of Dec. 2025, which is 45% below its 10-year median of 9.40. GuruFocus rates NAI:LBTY with a GF Score™ of 69/100 and a GF Value™ of KES8.56 (Fairly Valued). The stock has 4 warning signs investors should review. Among 499 Insurance companies, Liberty Kenya Holdings ranks worse than 79.76% 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. Liberty Kenya Holdings's annualized net income for the quarter that ended in Dec. 2025 was KES456 Mil. Liberty Kenya Holdings's average shareholder tangible equity for the quarter that ended in Dec. 2025 was KES8,782 Mil. Therefore, Liberty Kenya Holdings's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 5.19%.
The historical rank and industry rank for Liberty Kenya Holdings's Return-on-Tangible-Equity or its related term are showing as below:
NAI:LBTY'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 1.16 Med: 9.4 Max: 16.77
Current: 5.19
During the past 13 years, Liberty Kenya Holdings's highest Return-on-Tangible-Equity was 16.77%. The lowest was 1.16%. And the median was 9.40%.
NAI:LBTY's Return-on-Tangible-Equity is ranked worse than 79.76% of 499
companies
in the Insurance industry
Industry Median: 13.51
vs NAI:LBTY: 5.19
Liberty Kenya Holdings (NAI:LBTY) Return-on-Tangible-Equity Explanation
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.
Liberty Kenya Holdings Return-on-Tangible-Equity Related Terms
Liberty Kenya Holdings Return-on-Tangible-Equity Historical Data
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The historical data trend for Liberty Kenya 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.
Liberty Kenya Holdings Return-on-Tangible-Equity Chart
NAI:LBTY vs BRK.A, AIG, HIG: Return-on-Tangible-Equity Comparison
For the Insurance - Diversified subindustry, Liberty Kenya 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.
Liberty Kenya Holdings Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Liberty Kenya Holdings's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Liberty Kenya 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 5.19% mean?
Liberty Kenya Holdings (NAI:LBTY) has a Return-on-Tangible-Equity of 5.19% 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 Liberty Kenya Holdings and its competitors. This is 45% below median its historical median of 9.40. Over the past decade, Liberty Kenya Holdings' Return-on-Tangible-Equity has ranged from 1.16 to 16.77. According to the industry distribution chart, Liberty Kenya Holdings ranks #398 out of 499 companies in the Insurance industry, placing it in the top 79.8%.
Is Liberty Kenya Holdings' Return-on-Tangible-Equity too high?
Liberty Kenya Holdings' current Return-on-Tangible-Equity of 5.19% is 45% below median its 10-year median of 9.40. Over the past 10 years, this metric has ranged from a low of 1.16 to a high of 16.77. The Insurance industry median Return-on-Tangible-Equity is 13.51. Liberty Kenya Holdings' value of 5.19% is 61.6% below this industry median. Based on the distribution chart, Liberty Kenya Holdings ranks #398 out of 499 companies in the Insurance industry, which is in the bottom quartile 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' Return-on-Tangible-Equity compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Liberty Kenya Holdings ranks #398 out of 499 companies for Return-on-Tangible-Equity. This places Liberty Kenya Holdings in the lower half of its industry. The industry median Return-on-Tangible-Equity is 13.51. Liberty Kenya Holdings' value of 5.19% is 61.6% below this benchmark. Historically, Liberty Kenya Holdings' own Return-on-Tangible-Equity has ranged from 1.16 to 16.77 over the past decade. While the company's 10-year median is 9.40 vs. the industry median of 13.51, 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 Return-on-Tangible-Equity for an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.51, based on 499 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. Liberty Kenya Holdings's current Return-on-Tangible-Equity of 5.19% is 61.6% 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 Liberty Kenya Holdings and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Liberty Kenya Holdings's current Return-on-Tangible-Equity is 5.19%, which is 45% below median its own 10-year median of 9.40. 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 Return-on-Tangible-Equity is 5.19%, which is 45% below median its 10-year median of 9.40 and 61.6% below the Insurance industry median of 13.51. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Liberty Kenya Holdings (NAI:LBTY), the current Return-on-Tangible-Equity is 5.19% 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 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:
Return-on-Tangible-Equity: 5.19% (45% below median its 10-year median of 9.40)
GF Value™: KES8.56 vs. price of KES9.02 (5.4% above fair value)
Industry Position: 61.6% below the Insurance median (#398 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
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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