Insurance · EQUITY
LBTY
Liberty Kenya
Ksh 9.24
▲1.99% today
close 06 Nov 2026 · source mystocks
68 owned trading days · 07 Jul 2026 → 06 Nov 2026 · KES 8.82–9.78
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.
Value100
- P/E 5.9100 ·w25
- P/B 0.29100 ·w20
- earnings yield 17.0% vs 364d T-bill 9.03% (spread +8.0pp)100 ·w20
- needs positive EPS and own P/E history— ·w15
- needs a dividend and own yield history— ·w10
- revenue/earnings growth +21.7% YoY100 ·w10
Financial health100
- F-Score 9/9 signals passed100 ·w70
- not meaningful for financial-sector counters (interest is their revenue)— ·w30
Quality46
- ROE 5.0%20 ·w25
- net margin 4.8% (financial bands)16 ·w20
- net margin +0.8pp over window(short window)58 ·w15
- ROA 1.4%26 ·w15
- debt/equity 2.63× (financial-sector leverage bands)100 ·w15
- revenue never declined over window(short window)100 ·w10
Dividend reliability92
- paid a dividend in 2 of 2 observed FYs (design window 5)(short window)100 ·w30
- yield 4.9% at current price61 ·w20
- earnings cover the dividend 3.49×100 ·w20
- never cut over 2 observed FYs(short window)100 ·w15
- payout ratio 29% of earnings96 ·w15
MomentumBuilding history — since 2026-07-07
- Building history — since 2026-07-07— ·w100
Liquidity42
- median daily turnover ≈ KES 127,536 over 68 observed days(short window)28 ·w40
- no trades on 0% of observed days(short window)100 ·w30
- daily turnover 0.3bp of market cap (shares est. from NI÷EPS)(short window)3 ·w30
Statements we hold
| FY | Revenue | Net income | EPS | DPS |
|---|---|---|---|---|
| 2024 | KES 16.5B | KES 800.0M | 1.57 | 0.45 |
| 2023 | KES 15.0B | KES 600.0M | 1.18 | 0.40 |
source v3-seed (vintage 2026-02) · refreshed per filing as filings are processed
Analyst brief
Liberty Kenya trades at 9.3 Kenyan shillings per share as of 2 November 2026. The value pillar scores at the upper end of the scale, anchored by a P/E ratio of 5.9 and price-to-book of 0.30; the earnings yield of 16.9% exceeds the 364-day T-bill rate of 9.0288% by 7.9 percentage points. Revenue and earnings grew 21.7% year-on-year. The health pillar is similarly strong, with all nine F-Score signals passed. Quality trails markedly: return on equity stands at 5.0% and return on assets at 1.4%, though the net margin has widened 0.8 percentage points over the observation window and has never declined. Dividend performance ranks toward the upper end, with payouts made in both observed fiscal years, never cut, covering earnings 3.49 times over at a payout ratio of 29%.
An overall verdict is withheld; the confidence grade is C. The newest financial statement is 22 months old, and only two fiscal years of history are available—Rasili requires three. Liquidity is thin: median daily turnover approximates 129,455 shillings over 64 observed trading days, amounting to only 0.3 basis points of estimated market capitalisation. Momentum data has been building since 7 July 2026 and carry no score. A fresh annual filing would materially sharpen the picture.
Automated analysis for information & education. Not investment advice.
generated 02 Nov 2026, 17:50 EAT · every figure machine-checked against the engine's computed inputs · identical for all readers