The historical rank and industry rank for Liberty Kenya Holdings's ROE % or its related term are showing as below:
NAI:LBTY'
s ROE % Range Over the Past 10 Years
Min: 0.96 Med: 7.8 Max: 14.25
Current: 4.47
During the past 13 years, Liberty Kenya Holdings's highest ROE % was 14.25%. The lowest was 0.96%. And the median was 7.80%.
NAI:LBTY's ROE % is ranked worse than 80.95% of 504
companies
in the Insurance industry
Industry Median: 11.675
vs NAI:LBTY: 4.47
Liberty Kenya Holdings (NAI:LBTY) 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 one times the annual (Dec. 2025) net income data. The Revenue data used here is one times the 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 - Diversified subindustry, Liberty Kenya 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.
Liberty Kenya Holdings ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Liberty Kenya Holdings's ROE % distribution charts can be found below:
* The bar in red indicates where Liberty Kenya 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 one times the annual (Dec. 2025) net income data.
ROE % is displayed in the 30-year financial page.
Liberty Kenya Holdings (NAI:LBTY) has a ROE % of 4.47% 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 Liberty Kenya Holdings and its competitors. This is 43% below median its historical median of 7.80. Over the past decade, Liberty Kenya Holdings' ROE % has ranged from 0.96 to 14.25. According to the industry distribution chart, Liberty Kenya Holdings ranks #408 out of 504 companies in the Insurance industry, placing it in the top 81%.
Is Liberty Kenya Holdings' ROE % too high?
Liberty Kenya Holdings' current ROE % of 4.47% is 43% below median its 10-year median of 7.80. Over the past 10 years, this metric has ranged from a low of 0.96 to a high of 14.25. The Insurance industry median ROE % is 11.68. Liberty Kenya Holdings' value of 4.47% is 61.7% below this industry median. Based on the distribution chart, Liberty Kenya Holdings ranks #408 out of 504 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' ROE % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Liberty Kenya Holdings ranks #408 out of 504 companies for ROE %. This places Liberty Kenya Holdings in the lower half of its industry. The industry median ROE % is 11.68. Liberty Kenya Holdings' value of 4.47% is 61.7% below this benchmark. Historically, Liberty Kenya Holdings' own ROE % has ranged from 0.96 to 14.25 over the past decade. While the company's 10-year median is 7.80 vs. the industry median of 11.68, 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 ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.68, based on 504 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. Liberty Kenya Holdings's current ROE % of 4.47% is 61.7% 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 Liberty Kenya Holdings and its competitors. For the Insurance industry, the median ROE % is 11.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Liberty Kenya Holdings's current ROE % is 4.47%, which is 43% below median its own 10-year median of 7.80. 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 KES9.08 — trading 6.1% above its estimated fair value. The current ROE % is 4.47%, which is 43% below median its 10-year median of 7.80 and 61.7% below the Insurance industry median of 11.68. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Liberty Kenya Holdings (NAI:LBTY), the current ROE % is 4.47% 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 KES9.08 is trading 6.1% above its estimated GF Value™ of KES8.56.
GuruFocus considers Liberty Kenya Holdings to be Fairly Valued.
Key valuation signals for NAI:LBTY:
ROE %: 4.47% (43% below median its 10-year median of 7.80)
GF Value™: KES8.56 vs. price of KES9.08 (6.1% above fair value)
Industry Position: 61.7% below the Insurance median (#408 of 504)
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
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ROE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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