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EFU General Insurance (KAR:EFUG) Return-on-Tangible-Equity : 25.22% (As of Mar. 2025)


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What is EFU General Insurance Return-on-Tangible-Equity?

Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. EFU General Insurance's annualized net income for the quarter that ended in Mar. 2025 was ₨4,879 Mil. EFU General Insurance's average shareholder tangible equity for the quarter that ended in Mar. 2025 was ₨19,343 Mil. Therefore, EFU General Insurance's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2025 was 25.22%.

The historical rank and industry rank for EFU General Insurance's Return-on-Tangible-Equity or its related term are showing as below:

KAR:EFUG' s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 3.84   Med: 21.6   Max: 27.86
Current: 22.98

During the past 13 years, EFU General Insurance's highest Return-on-Tangible-Equity was 27.86%. The lowest was 3.84%. And the median was 21.60%.

KAR:EFUG's Return-on-Tangible-Equity is ranked better than
77.31% of 498 companies
in the Insurance industry
Industry Median: 12.61 vs KAR:EFUG: 22.98

EFU General Insurance Return-on-Tangible-Equity Historical Data

The historical data trend for EFU General Insurance's Return-on-Tangible-Equity 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 General Insurance Return-on-Tangible-Equity Chart

EFU General Insurance Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Return-on-Tangible-Equity
Get a 7-Day Free Trial Premium Member Only Premium Member Only 21.34 23.48 3.84 26.73 23.02

EFU General Insurance 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-Equity 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 32.85 38.43 18.58 11.38 25.22

Competitive Comparison of EFU General Insurance's Return-on-Tangible-Equity

For the Insurance - Property & Casualty subindustry, EFU General Insurance's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 General Insurance's Return-on-Tangible-Equity Distribution in the Insurance Industry

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

* The bar in red indicates where EFU General Insurance's Return-on-Tangible-Equity falls into.


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EFU General Insurance Return-on-Tangible-Equity Calculation

EFU General Insurance's annualized Return-on-Tangible-Equity for the fiscal year that ended in Dec. 2024 is calculated as

Return-on-Tangible-Equity=Net Income/( (Total Tangible Equity+Total Tangible Equity)/ count )
(A: Dec. 2024 )  (A: Dec. 2023 )(A: Dec. 2024 )
=Net Income/( (Total Stockholders Equity - Intangible Assets+Total Stockholders Equity - Intangible Assets )/ count )
(A: Dec. 2024 )  (A: Dec. 2023 )(A: Dec. 2024 )
=3782.662/( (13480.204+19378.467 )/ 2 )
=3782.662/16429.3355
=23.02 %

EFU General Insurance's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2025 is calculated as

Return-on-Tangible-Equity=Net Income/( (Total Tangible Equity+Total Tangible Equity)/ count )
(Q: Mar. 2025 )  (Q: Dec. 2024 )(Q: Mar. 2025 )
=Net Income/( (Total Stockholders Equity - Intangible Assets+Total Stockholders Equity - Intangible Assets)/ count )
(Q: Mar. 2025 )  (Q: Dec. 2024 )(Q: Mar. 2025 )
=4879.06/( (19378.467+19308.291)/ 2 )
=4879.06/19343.379
=25.22 %

* 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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. Return-on-Tangible-Equity is displayed in the 10-year financial page.


EFU General Insurance  (KAR:EFUG) Return-on-Tangible-Equity Explanation

Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.


Be Aware

Net Income is used.

Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.

Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.


EFU General Insurance Return-on-Tangible-Equity Related Terms

Thank you for viewing the detailed overview of EFU General Insurance's Return-on-Tangible-Equity provided by GuruFocus.com. Please click on the following links to see related term pages.


EFU General Insurance Business Description

Traded in Other Exchanges
N/A
Address
EFU House, M.A. Jinnah Road, P.O. Box 5005, Karachi, SD, PAK, 74000
EFU General Insurance Ltd is an insurance company providing a range of non-life insurance products and services customized to meet the varied needs of a wide spectrum of businesses and industrial clients as well as individuals. The company has four reportable segments namely Fire and property damage; Marine, aviation and transport; Motor, and Miscellaneous. The company generates the majority of its revenue from Fire and property damage segment.

EFU General Insurance Headlines

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