Malibu Life HoldingsLSE:MLHL -1.84%33 ROE % is 5.04% as of Dec. 2025, which is 54% below its 10-year median of 10.84. GuruFocus rates LSE:MLHL with a GF Score™ of 33/100. The stock has 3 warning signs investors should review. Among 502 Insurance companies, Malibu Life Holdings ranks worse than 83.27% on this metric.
The historical rank and industry rank for Malibu Life Holdings's ROE % or its related term are showing as below:
LSE:MLHL'
s ROE % Range Over the Past 10 Years
Min: -29.26 Med: 10.84 Max: 19.93
Current: 3.77
During the past 13 years, Malibu Life Holdings's highest ROE % was 19.93%. The lowest was -29.26%. And the median was 10.84%.
LSE:MLHL's ROE % is ranked worse than 83.27% of 502
companies
in the Insurance industry
Industry Median: 11.73
vs LSE:MLHL: 3.77
Malibu Life Holdings (LSE:MLHL) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
* 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 - Reinsurance subindustry, Malibu Life Holdings's ROE %, along with its competitors' market caps and ROE % 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.
Malibu Life Holdings ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Malibu Life Holdings's ROE % distribution charts can be found below:
* The bar in red indicates where Malibu Life Holdings's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is two times the semi-annual (Dec. 2025) net income data.
ROE % is displayed in the 30-year financial page.
Malibu Life Holdings (LSE:MLHL) has a ROE % of 5.04% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Malibu Life Holdings and its competitors. This is 54% below median its historical median of 10.84. According to the industry distribution chart, Malibu Life Holdings ranks #418 out of 502 companies in the Insurance industry, placing it in the top 83.3%.
Is Malibu Life Holdings' ROE % too high?
Malibu Life Holdings' current ROE % of 5.04% is 54% below median its 10-year median of 10.84. The Insurance industry median ROE % is 11.73. Malibu Life Holdings' value of 5.04% is 57% below this industry median. Based on the distribution chart, Malibu Life Holdings ranks #418 out of 502 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Malibu Life Holdings has a GF Score™ of 33/100, reflecting its overall financial health beyond just this single metric.
How does Malibu Life Holdings' ROE % compare to RGA and EG?
According to the Insurance industry distribution chart, Malibu Life Holdings ranks #418 out of 502 companies for ROE %. This places Malibu Life Holdings in the lower half of its industry. The industry median ROE % is 11.73. Malibu Life Holdings' value of 5.04% is 57% below this benchmark. While the company's 10-year median is 10.84 vs. the industry median of 11.73, Malibu Life 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 ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.73, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Malibu Life Holdings's current ROE % of 5.04% is 57% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Malibu Life Holdings and its competitors. For the Insurance industry, the median ROE % is 11.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Malibu Life Holdings's current ROE % is 5.04%, which is 54% below median its own 10-year median of 10.84. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Malibu Life Holdings stock overvalued right now?
Malibu Life Holdings (LSE:MLHL) has a current ROE % of 5.04%. The current ROE % is 5.04%, which is 54% below median its 10-year median of 10.84 and 57% below the Insurance industry median of 11.73. Malibu Life Holdings' overall GF Score™ is 33/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Malibu Life Holdings (LSE:MLHL), the current ROE % is 5.04% 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.
Malibu Life Holdings Ltd operates as a annuity reinsurance company. The company has partnered with insurers by providing asset-intensive reinsurance solutions supported by integrated asset management capabilities.
33GF Score
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