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.
Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Jubilee Holdings's 3-Year RORE % for the quarter that ended in Dec. 2025 was 31.83%.
The industry rank for Jubilee Holdings's 3-Year RORE % or its related term are showing as below:
NAI:JUB's 3-Year RORE % is ranked better than 74.47% of 474
companies
in the Insurance industry
Industry Median: 11.315
vs NAI:JUB: 31.83
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Jubilee Holdings 3-Year RORE % Related Terms
Jubilee Holdings 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Jubilee Holdings's 3-Year RORE % 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: 3-Year RORE % Comparison
For the Insurance - Diversified subindustry, Jubilee Holdings's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Jubilee Holdings's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Jubilee Holdings's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Dec. 2025 and 3-year before.
Jubilee Holdings (NAI:JUB) has a 3-Year RORE % of 31.83 as of Dec. 2025. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Jubilee Holdings and its competitors. According to the industry distribution chart, Jubilee Holdings ranks #121 out of 474 companies in the Insurance industry, placing it in the top 25.5%.
Is Jubilee Holdings' 3-Year RORE % too high?
Jubilee Holdings' current 3-Year RORE % is 31.83. The Insurance industry median 3-Year RORE % is 11.32. Jubilee Holdings' value of 31.83 is 181.3% above this industry median. Based on the distribution chart, Jubilee Holdings ranks #121 out of 474 companies in the Insurance industry, which is above 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' 3-Year RORE % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Jubilee Holdings ranks #121 out of 474 companies for 3-Year RORE %. This puts Jubilee Holdings in the upper half of its industry. The industry median 3-Year RORE % is 11.32. Jubilee Holdings' value of 31.83 is 181.3% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for an Insurance company?
The median 3-Year RORE % among Insurance companies is 11.32, based on 474 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jubilee Holdings's current 3-Year RORE % of 31.83 is 181.3% above 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Jubilee Holdings and its competitors. For the Insurance industry, the median 3-Year RORE % is 11.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jubilee Holdings's current 3-Year RORE % is 31.83. 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 KES312.48, compared to a current price of KES391.00 — trading 25.1% above its estimated fair value. The current 3-Year RORE % is 31.83 and 181.3% above the Insurance industry median of 11.32. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Jubilee Holdings (NAI:JUB), the current 3-Year RORE % is 31.83 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 KES391.00 is trading 25.1% above its estimated GF Value™ of KES312.48.
GuruFocus considers Jubilee Holdings to be Modestly Overvalued.
Key valuation signals for NAI:JUB:
3-Year RORE %: 31.83
GF Value™: KES312.48 vs. price of KES391.00 (25.1% above fair value)
Industry Position: 181.3% above the Insurance median (#121 of 474)
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
Get the complete analysis for NAI:JUB
3-Year RORE % 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 
