Jubilee General Insurance Co (KAR:JGICL) Scaled Net Operating Assets: -0.22 (As of Mar. 2026)

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KAR:JGICL Jubilee General Insurance Co Ltd KAR:JGICL
70 GF Score
Price ₨77.20
GF Value ₨64.23
Valuation Modestly Overvalued
! 3 Warning Signs
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What is Jubilee General Insurance Co Scaled Net Operating Assets?

Jubilee General Insurance Co KAR:JGICL +1.41% 70 Scaled Net Operating Assets is -0.22 as of Mar. 2026. GuruFocus rates KAR:JGICL with a GF Score™ of 70/100 and a GF Value™ of ₨64.23 (Modestly Overvalued). The stock has 3 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Jubilee General Insurance Co's operating assets for the quarter that ended in Mar. 2026 was ₨33,118 Mil. Jubilee General Insurance Co's operating liabilities for the quarter that ended in Mar. 2026 was ₨47,246 Mil. Jubilee General Insurance Co's Total Assets for the quarter that ended in Dec. 2025 was ₨65,378 Mil. Therefore, Jubilee General Insurance Co's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.22.

KAR:JGICL
70GF Score
Jubilee General Insurance Co Ltd KAR:JGICL
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Jubilee General Insurance Co Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Jubilee General Insurance Co's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(62203.024-43105.193)/53243.18
=0.36

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=65378.379 - 3175.355
=62203.024

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=43112.713 - 0 - 7.52
=43105.193

Jubilee General Insurance Co's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(33117.919-47246.415)/65378.379
=-0.22

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=67054.944 - 33937.025
=33117.919

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=47254.232 - 7.817 - 0
=47246.415

* 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.

What does a Scaled Net Operating Assets of -0.22 mean?
Jubilee General Insurance Co (KAR:JGICL) has a Scaled Net Operating Assets of -0.22 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Jubilee General Insurance Co and its competitors.
Is Jubilee General Insurance Co's Scaled Net Operating Assets too high?
Jubilee General Insurance Co's current Scaled Net Operating Assets is -0.22. Overall, Jubilee General Insurance Co has a GF Score™ of 70/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Jubilee General Insurance Co's Scaled Net Operating Assets compare to BRK.A and AIG?
Jubilee General Insurance Co's Scaled Net Operating Assets of -0.22 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for an Insurance company?
A good Scaled Net Operating Assets depends on the Insurance industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Jubilee General Insurance Co and its competitors. Jubilee General Insurance Co's current Scaled Net Operating Assets is -0.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jubilee General Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, Jubilee General Insurance Co (KAR:JGICL) is currently considered Modestly Overvalued. The stock's GF Value™ is ₨64.23, compared to a current price of ₨77.20 — trading 20.2% above its estimated fair value. The current Scaled Net Operating Assets is -0.22. Jubilee General Insurance Co's overall GF Score™ is 70/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Jubilee General Insurance Co (KAR:JGICL), the current Scaled Net Operating Assets is -0.22 as of Mar. 2026. 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 General Insurance Co (KAR:JGICL) Overvalued in 2026?

Based on GuruFocus' analysis, Jubilee General Insurance Co stock appears to be overvalued. The current stock price of ₨77.20 is trading 20.2% above its estimated GF Value™ of ₨64.23. GuruFocus considers Jubilee General Insurance Co to be Modestly Overvalued.

Key valuation signals for KAR:JGICL:

  • Scaled Net Operating Assets: -0.22
  • GF Value™: ₨64.23 vs. price of ₨77.20 (20.2% above fair value)
  • GF Score™: 70/100 with 3 warning signs

No single metric tells the full story. See the KAR:JGICL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Jubilee General Insurance Co Business Description

Address I. I. Chundrigar Road, 2nd Floor, Jubilee Insurance House, Karachi, SD, PAK, 74000
Jubilee General Insurance Co Ltd is engaged in the insurance business sector. The Company has six business segments for reporting purposes, namely Fire and property damage, Marine, aviation and transport, Motor, Accident and health, and Miscellaneous. The Company operates in Pakistan and provides the service of assurance to its clients all over the Country through its operative branches.
70GF Score

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₨77.20
Price
₨64.23
GF Value