Jubilee HoldingsNAI:JUB +0.20%76 ROA % 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 76/100 and a GF Value™ of KES309.34 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 508 Insurance companies, Jubilee Holdings ranks worse than 51.18% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Jubilee Holdings's annualizedNet Income for the quarter that ended in Dec. 2025 was KES5,782 Mil.
Jubilee Holdings's average Total Assets over the quarter that ended in Dec. 2025 was KES233,108 Mil. Therefore, Jubilee Holdings's annualized ROA % for the quarter that ended in Dec. 2025 was 2.48%.
The historical rank and industry rank for Jubilee Holdings's ROA % or its related term are showing as below:
NAI:JUB'
s ROA % Range Over the Past 10 Years
Min: 1.37 Med: 3.15 Max: 4.37
Current: 2.48
During the past 13 years, Jubilee Holdings's highest ROA % was 4.37%. The lowest was 1.37%. And the median was 3.15%.
NAI:JUB's ROA % is ranked worse than 51.18% of 508
companies
in the Insurance industry
Industry Median: 2.655
vs NAI:JUB: 2.48
Jubilee Holdings (NAI:JUB) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is one times the annual (Dec. 2025) net income data. The Revenue data used here is one times the annual (Dec. 2025) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % 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 ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Jubilee Holdings ROA % Related Terms
Jubilee Holdings ROA % Historical Data
* Premium members only.
The historical data trend for Jubilee Holdings's ROA % 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.
For the Insurance - Diversified subindustry, Jubilee Holdings's ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, Jubilee Holdings's ROA % distribution charts can be found below:
* The bar in red indicates where Jubilee Holdings's ROA % 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 ROA %, the net income of the last fiscal year and the average total 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.
ROA % is displayed in the 30-year financial page.
Jubilee Holdings (NAI:JUB) has a ROA % of 2.48% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total 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' ROA % has ranged from 1.37 to 4.37. According to the industry distribution chart, Jubilee Holdings ranks #260 out of 508 companies in the Insurance industry, placing it in the top 51.2%.
Is Jubilee Holdings' ROA % too high?
Jubilee Holdings' current ROA % 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 1.37 to a high of 4.37. The Insurance industry median ROA % is 2.66. Jubilee Holdings' value of 2.48% is 6.6% below this industry median. Based on the distribution chart, Jubilee Holdings ranks #260 out of 508 companies in the Insurance industry, which is below the industry midpoint. 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' ROA % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Jubilee Holdings ranks #260 out of 508 companies for ROA %. This places Jubilee Holdings in the lower half of its industry. The industry median ROA % is 2.66. Jubilee Holdings' value of 2.48% is 6.6% below this benchmark. Historically, Jubilee Holdings' own ROA % has ranged from 1.37 to 4.37 over the past decade. While the company's 10-year median is 3.15 vs. the industry median of 2.66, 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 ROA % for an Insurance company?
The median ROA % among Insurance companies is 2.66, based on 508 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jubilee Holdings's current ROA % of 2.48% is 6.6% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Jubilee Holdings and its competitors. For the Insurance industry, the median ROA % is 2.66 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jubilee Holdings's current ROA % 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 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 ROA % is 2.48%, which is 21% below median its 10-year median of 3.15 and 6.6% below the Insurance industry median of 2.66. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Jubilee Holdings (NAI:JUB), the current ROA % 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 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:
ROA %: 2.48% (21% below median its 10-year median of 3.15)
GF Value™: KES309.34 vs. price of KES382.75 (23.7% above fair value)
Industry Position: 6.6% below the Insurance median (#260 of 508)
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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