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EFU General InsuranceKAR:EFUG 66 Cyclically Adjusted PB Ratio is 1.05 as of Aug. 06, 2026, which is 2% above its 10-year median of 1.03. GuruFocus rates KAR:EFUG with a GF Score™ of 66/100 and a GF Value™ of ₨128.09 (Fairly Valued). The stock has 5 warning signs investors should review. Among 414 Insurance companies, EFU General Insurance ranks better than 67.63% on this metric.
The historical rank and industry rank for EFU General Insurance's Cyclically Adjusted PB Ratio or its related term are showing as below:
KAR:EFUG'
s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 0.71 Med: 1.03 Max: 1.3
Current: 1.04
During the past years, EFU General Insurance's highest Cyclically Adjusted PB Ratio was 1.30. The lowest was 0.71. And the median was 1.03.
KAR:EFUG's Cyclically Adjusted PB Ratio is ranked better than 67.63% of 414
companies
in the Insurance industry
Industry Median: 1.405
vs KAR:EFUG: 1.04
The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.
EFU General Insurance's adjusted book value per share data for the three months ended in Mar. 2026 was ₨122.853. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is ₨117.58 for the trailing ten years ended in Mar. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
EFU General Insurance (KAR:EFUG) Cyclically Adjusted PB Ratio Explanation
Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.
EFU General Insurance Cyclically Adjusted PB Ratio Related Terms
EFU General Insurance Cyclically Adjusted PB Ratio Historical Data
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The historical data trend for EFU General Insurance's Cyclically Adjusted PB Ratio 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.
EFU General Insurance Cyclically Adjusted PB Ratio Chart
KAR:EFUG vs CB, PGR, TRV: Cyclically Adjusted PB Ratio Comparison
For the Insurance - Property & Casualty subindustry, EFU General Insurance's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio 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 Cyclically Adjusted PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, EFU General Insurance's Cyclically Adjusted PB Ratio distribution charts can be found below:
* The bar in red indicates where EFU General Insurance's Cyclically Adjusted PB Ratio falls into.
EFU General Insurance Cyclically Adjusted PB Ratio Calculation
Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.
* 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.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
What does a Cyclically Adjusted PB Ratio of 1.05 mean?
EFU General Insurance (KAR:EFUG) has a Cyclically Adjusted PB Ratio of 1.05 as of Aug. 06, 2026. Cyclically Adjusted PB Ratio is the ratio of share price to a company's inflation-adjusted book value per share over a 10-year period. View historical data on EFU General Insurance and its competitors. This is near median its historical median of 1.03. Over the past decade, EFU General Insurance's Cyclically Adjusted PB Ratio has ranged from 0.71 to 1.30. According to the industry distribution chart, EFU General Insurance ranks #134 out of 414 companies in the Insurance industry, placing it in the top 32.4%.
Is EFU General Insurance's Cyclically Adjusted PB Ratio too high?
EFU General Insurance's current Cyclically Adjusted PB Ratio of 1.05 is near median its 10-year median of 1.03. Over the past 10 years, this metric has ranged from a low of 0.71 to a high of 1.30. The Insurance industry median Cyclically Adjusted PB Ratio is 1.41. EFU General Insurance's value of 1.05 is 25.3% below this industry median. Based on the distribution chart, EFU General Insurance ranks #134 out of 414 companies in the Insurance industry, which is above the industry midpoint. Overall, EFU General Insurance has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does EFU General Insurance's Cyclically Adjusted PB Ratio compare to CB and PGR?
According to the Insurance industry distribution chart, EFU General Insurance ranks #134 out of 414 companies for Cyclically Adjusted PB Ratio. This puts EFU General Insurance in the upper half of its industry. The industry median Cyclically Adjusted PB Ratio is 1.41. EFU General Insurance's value of 1.05 is 25.3% below this benchmark. Historically, EFU General Insurance's own Cyclically Adjusted PB Ratio has ranged from 0.71 to 1.30 over the past decade. While the company's 10-year median is 1.03 vs. the industry median of 1.41, EFU General Insurance has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted PB Ratio for an Insurance company?
The median Cyclically Adjusted PB Ratio among Insurance companies is 1.41, based on 414 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. EFU General Insurance's current Cyclically Adjusted PB Ratio of 1.05 is 25.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted PB Ratio mean?
A high Cyclically Adjusted PB Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PB Ratio is the ratio of share price to a company's inflation-adjusted book value per share over a 10-year period. View historical data on EFU General Insurance and its competitors. For the Insurance industry, the median Cyclically Adjusted PB Ratio is 1.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EFU General Insurance's current Cyclically Adjusted PB Ratio is 1.05, which is near median its own 10-year median of 1.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is EFU General Insurance stock overvalued right now?
Based on GuruFocus' analysis, EFU General Insurance (KAR:EFUG) is currently considered Fairly Valued. The stock's GF Value™ is ₨128.09, compared to a current price of ₨124.00 — trading 3.2% below its estimated fair value. The current Cyclically Adjusted PB Ratio is 1.05, which is near median its 10-year median of 1.03 and 25.3% below the Insurance industry median of 1.41. EFU General Insurance's overall GF Score™ is 66/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted PB Ratio calculated?
Cyclically Adjusted PB Ratio is calculated from a company's financial statements. For EFU General Insurance (KAR:EFUG), the current Cyclically Adjusted PB Ratio is 1.05 as of Aug. 06, 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 EFU General Insurance (KAR:EFUG) Overvalued in 2026?
Based on GuruFocus' analysis, EFU General Insurance stock appears to be undervalued.
The current stock price of ₨124.00 is trading 3.2% below its estimated GF Value™ of ₨128.09.
GuruFocus considers EFU General Insurance to be Fairly Valued.
Key valuation signals for KAR:EFUG:
Cyclically Adjusted PB Ratio: 1.05 (near median its 10-year median of 1.03)
GF Value™: ₨128.09 vs. price of ₨124.00 (3.2% below fair value)
Industry Position: 25.3% below the Insurance median (#134 of 414)
No single metric tells the full story. See the KAR:EFUG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
EFU General Insurance Ltd is a non-life insurer in Pakistan, providing insurance and takaful solutions to commercial, industrial, and individual clients across retail, SME, and corporate segments. Its product portfolio includes Fire and Property Damage, Marine, Aviation and Transport, Motor, Miscellaneous insurance, and Window Takaful. Fire and Property Damage, the maximum revenue segment, covers risks such as fire, earthquake, flood, explosion, machinery breakdown, boiler damage, and business interruption, compensating customers for property loss or damage and loss of earnings. Other segments include Marine, Aviation and Transport, Motor, and Miscellaneous, with the majority of revenue generated from Pakistan.
66GF Score
Get the complete analysis for KAR:EFUG
Cyclically Adjusted PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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