Insurance · EQUITY
JUB
Jubilee
Ksh 404.50
▲0.31% today
close 06 Nov 2026 · source mystocks
68 owned trading days · 07 Jul 2026 → 06 Nov 2026 · KES 375.50–423.50
Why grade C: newest statement 22 months old · only 2 FYs of history (need 3)
Automated analysis for information & education. Not investment advice.
The five pillars
composite —/100Data C
scored 06 Nov 2026 · weights profile Insurance · formulas on /methodology
Ring color: accent = confidence A/B, amber = C/D — a fixed-radius stroke, never a percentage fill.
Value98
- P/E 6.995 ·w25
- P/B 0.65100 ·w20
- earnings yield 14.4% vs 364d T-bill 9.03% (spread +5.4pp)100 ·w20
- needs positive EPS and own P/E history— ·w15
- needs a dividend and own yield history— ·w10
- revenue/earnings growth +24.2% YoY100 ·w10
Financial health89
- F-Score 8/9 signals passed89 ·w70
- not meaningful for financial-sector counters (interest is their revenue)— ·w30
Quality53
- ROE 9.3%37 ·w25
- net margin 6.5% (financial bands)22 ·w20
- net margin +1.5pp over window(short window)65 ·w15
- ROA 2.2%29 ·w15
- debt/equity 3.33× (financial-sector leverage bands)100 ·w15
- revenue never declined over window(short window)100 ·w10
Dividend reliability75
- paid a dividend in 2 of 2 observed FYs (design window 5)(short window)100 ·w30
- yield 1.7% at current price22 ·w20
- earnings cover the dividend 8.33×100 ·w20
- never cut over 2 observed FYs(short window)100 ·w15
- payout ratio 12% of earnings40 ·w15
MomentumBuilding history — since 2026-07-07
- Building history — since 2026-07-07— ·w100
Liquidity48
- median daily turnover ≈ KES 558,769 over 68 observed days(short window)44 ·w40
- no trades on 0% of observed days(short window)100 ·w30
- daily turnover 0.2bp of market cap (shares est. from NI÷EPS)(short window)2 ·w30
Statements we hold
| FY | Revenue | Net income | EPS | DPS |
|---|---|---|---|---|
| 2024 | KES 65.0B | KES 4.2B | 58.33 | 7.00 |
| 2023 | KES 60.0B | KES 3.0B | 41.67 | 6.00 |
source v3-seed (vintage 2026-02) · refreshed per filing as filings are processed
Analyst brief
Jubilee's value pillar ranks at the upper end of the 0–100 scale, led by a P/B of 0.65 and an earnings yield of 14.4% that sits 5.4 percentage points above the 364-day T-bill rate. Revenue and earnings grew 24.2% year-on-year, supporting the pricing. The health pillar scores solidly on an F-Score of 8 out of 9 signals passed. Quality lags materially: ROE stands at 9.3% and net margin at 6.5%, both constrained by the financial-sector operating model; however, the margin has widened 1.5 percentage points over the observation window, and debt-to-equity of 3.3× sits within acceptable bands for insurance. Dividend coverage is fortress-like—earnings cover the payout 8.33 times, and the company paid a dividend in both observed financial years without cuts—though the yield remains modest at 1.7%.
An overall verdict is withheld due to limited data history. The newest financial statement is 22 months old, and only two financial years of records exist when three are normally required to score with confidence. Jubilee trades at 404.25 Kenyan shillings as of 2 November 2026 (mystocks). Liquidity is thin: median daily turnover of approximately 540,093 shillings represents just 0.2 basis points of estimated market capitalisation. The data-confidence grade is C. A fresh regulatory filing or earnings announcement would clarify near-term trajectory and extend the historical window needed for a full assessment.
Automated analysis for information & education. Not investment advice.
generated 02 Nov 2026, 17:47 EAT · every figure machine-checked against the engine's computed inputs · identical for all readers