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EFU Life Assurance (KAR:EFUL) Return-on-Tangible-Asset : 0.98% (As of Mar. 2025)


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What is EFU Life Assurance Return-on-Tangible-Asset?

Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. EFU Life Assurance's annualized Net Income for the quarter that ended in Mar. 2025 was ₨2,566 Mil. EFU Life Assurance's average total tangible assets for the quarter that ended in Mar. 2025 was ₨261,228 Mil. Therefore, EFU Life Assurance's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2025 was 0.98%.

The historical rank and industry rank for EFU Life Assurance's Return-on-Tangible-Asset or its related term are showing as below:

KAR:EFUL' s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.95   Med: 1.27   Max: 1.89
Current: 1.18

During the past 13 years, EFU Life Assurance's highest Return-on-Tangible-Asset was 1.89%. The lowest was 0.95%. And the median was 1.27%.

KAR:EFUL's Return-on-Tangible-Asset is ranked worse than
67.19% of 509 companies
in the Insurance industry
Industry Median: 2.3 vs KAR:EFUL: 1.18

EFU Life Assurance Return-on-Tangible-Asset Historical Data

The historical data trend for EFU Life Assurance's Return-on-Tangible-Asset 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.

* Premium members only.

EFU Life Assurance Return-on-Tangible-Asset Chart

EFU Life Assurance Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Return-on-Tangible-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.26 0.95 0.99 1.06 1.27

EFU Life Assurance Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Return-on-Tangible-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.46 1.39 0.92 1.44 0.98

Competitive Comparison of EFU Life Assurance's Return-on-Tangible-Asset

For the Insurance - Diversified subindustry, EFU Life Assurance's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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.


EFU Life Assurance's Return-on-Tangible-Asset Distribution in the Insurance Industry

For the Insurance industry and Financial Services sector, EFU Life Assurance's Return-on-Tangible-Asset distribution charts can be found below:

* The bar in red indicates where EFU Life Assurance's Return-on-Tangible-Asset falls into.


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EFU Life Assurance Return-on-Tangible-Asset Calculation

EFU Life Assurance's annualized Return-on-Tangible-Asset for the fiscal year that ended in Dec. 2024 is calculated as:

Return-on-Tangible-Asset=Net Income/( (Total Tangible Assets+Total Tangible Assets)/ count )
(A: Dec. 2024 )  (A: Dec. 2023 )(A: Dec. 2024 )
=Net Income/( (Total Assets - Intangible Assets+Total Assets - Intangible Assets)/ count )
(A: Dec. 2024 )  (A: Dec. 2023 )(A: Dec. 2024 )
=2990.052/( (209935.572+259109.677)/ 2 )
=2990.052/234522.6245
=1.27 %

EFU Life Assurance's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2025 is calculated as:

Return-on-Tangible-Asset=Net Income/( (Total Tangible Assets+Total Tangible Assets)/ count )
(Q: Mar. 2025 )  (Q: Dec. 2024 )(Q: Mar. 2025 )
=Net Income/( (Total Assets - Intangible Assets+Total Assets - Intangible Assets)/ count )
(Q: Mar. 2025 )  (Q: Dec. 2024 )(Q: Mar. 2025 )
=2566.28/( (259109.677+263345.531)/ 2 )
=2566.28/261227.604
=0.98 %

* 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 Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data, the Net Income data used here is four times the quarterly (Mar. 2025) net income data.


EFU Life Assurance  (KAR:EFUL) Return-on-Tangible-Asset Explanation

Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.


Be Aware

Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the company’s earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a company’s tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).

Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.


EFU Life Assurance Return-on-Tangible-Asset Related Terms

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EFU Life Assurance Business Description

Traded in Other Exchanges
N/A
Address
8th East Street, Plot No. 112, EFU Life House, Phase 1, DHA, Karachi, SD, PAK
EFU Life Assurance Ltd is engaged in providing insurance services. The company operates through various business segments namely investment linked business, conventional business, pension business, accident and health business, Family takaful investment linked business, and Family takaful protection business. It generates maximum revenue from the Investment Linked Business segment.

EFU Life Assurance Headlines

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