EFU General Insurance (KAR:EFUG) Cyclically Adjusted Revenue per Share: ₨357.34 (As of Mar. 2026)

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KAR:EFUG EFU General Insurance Ltd KAR:EFUG
66 GF Score
Price ₨122.27
GF Value ₨127.58
Valuation Fairly Valued
! 5 Warning Signs
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What is EFU General Insurance Cyclically Adjusted Revenue per Share?

EFU General Insurance KAR:EFUG -0.52% 66 Cyclically Adjusted Revenue per Share is ₨357.34 as of Mar. 2026. GuruFocus rates KAR:EFUG with a GF Score™ of 66/100 and a GF Value™ of ₨127.58 (Fairly Valued). The stock has 5 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

EFU General Insurance's adjusted revenue per share for the three months ended in Mar. 2026 was ₨61.347. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is ₨357.34 for the trailing ten years ended in Mar. 2026.

During the past 12 months, EFU General Insurance's average Cyclically Adjusted Revenue Growth Rate was 20.90% per year. During the past 3 years, the average Cyclically Adjusted Revenue Growth Rate was 26.10% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Revenue Growth Rate of EFU General Insurance was 26.20% per year. The lowest was 26.10% per year. And the median was 26.15% per year.

As of today (2026-07-27), EFU General Insurance's current stock price is ₨122.27. EFU General Insurance's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 was ₨357.34. EFU General Insurance's Cyclically Adjusted PS Ratio of today is 0.34.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of EFU General Insurance was 0.90. The lowest was 0.33. And the median was 0.42.


EFU General Insurance  (KAR:EFUG) Cyclically Adjusted Revenue per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS Ratio.

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 PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

EFU General Insurance's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=122.27/357.34
=0.34

* 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.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of EFU General Insurance was 0.90. The lowest was 0.33. And the median was 0.42.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


EFU General Insurance Cyclically Adjusted Revenue per Share Related Terms


EFU General Insurance Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for EFU General Insurance's Cyclically Adjusted Revenue per Share 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 Revenue per Share Chart

EFU General Insurance Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 139.87 172.63 219.61 281.34 346.09

EFU General Insurance Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Revenue per Share 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 295.65 309.64 331.90 346.09 357.34

KAR:EFUG vs CB, PGR, TRV: Cyclically Adjusted Revenue per Share Comparison

For the Insurance - Property & Casualty subindustry, EFU General Insurance's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS 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 PS Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, EFU General Insurance's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where EFU General Insurance's Cyclically Adjusted PS Ratio falls into.


KAR:EFUG
66GF Score
EFU General Insurance Ltd KAR:EFUG
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

EFU General Insurance Cyclically Adjusted Revenue per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

What is Cyclically Adjusted Revenue per Share? How do we calculate Cyclically Adjusted Revenue per Share?

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue per Share.

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.

For example, EFU General Insurance's adjusted Revenue per Share data for the three months ended in Mar. 2026 was:

Adj_RevenuePerShare= Revenue per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=61.347/330.2130*330.2130
=61.347

Current CPI (Mar. 2026) = 330.2130.

EFU General Insurance Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201606 11.648 241.018 15.959
201609 10.861 241.428 14.855
201612 10.105 241.432 13.821
201703 10.528 243.801 14.260
201706 14.386 244.955 19.393
201709 12.580 246.819 16.830
201712 8.676 246.524 11.621
201803 11.006 249.554 14.563
201806 35.527 251.989 46.556
201809 45.140 252.439 59.047
201812 54.544 251.233 71.691
201903 55.369 254.202 71.925
201906 44.484 256.143 57.348
201909 49.403 256.759 63.536
201912 96.397 256.974 123.871
202003 60.871 258.115 77.874
202006 81.031 257.797 103.793
202009 82.972 260.280 105.265
202012 96.490 260.474 122.324
202103 71.735 264.877 89.430
202106 75.140 271.696 91.323
202109 56.062 274.310 67.487
202112 77.921 278.802 92.290
202203 76.610 287.504 87.990
202206 67.867 296.311 75.632
202209 82.400 296.808 91.674
202212 105.247 296.797 117.097
202303 85.420 301.836 93.451
202306 105.487 305.109 114.166
202309 117.963 307.789 126.557
202312 152.727 306.746 164.411
202403 123.436 312.332 130.503
202406 139.588 314.175 146.714
202409 137.020 315.301 143.500
202412 202.986 315.605 212.381
202503 122.567 319.799 126.558
202506 130.098 322.561 133.184
202509 212.631 324.800 216.175
202512 163.838 324.054 166.952
202603 61.347 330.213 61.347

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

What does a Cyclically Adjusted Revenue per Share of ₨357.34 mean?
EFU General Insurance (KAR:EFUG) has a Cyclically Adjusted Revenue per Share of ₨357.34 as of Mar. 2026. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on EFU General Insurance and its competitors.
Is EFU General Insurance's Cyclically Adjusted Revenue per Share too high?
EFU General Insurance's current Cyclically Adjusted Revenue per Share is ₨357.34. 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 Revenue per Share compare to CB and PGR?
EFU General Insurance's Cyclically Adjusted Revenue per Share of ₨357.34 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Revenue per Share for an Insurance company?
A good Cyclically Adjusted Revenue per Share depends on the Insurance industry context. However, Cyclically Adjusted Revenue per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on EFU General Insurance and its competitors. EFU General Insurance's current Cyclically Adjusted Revenue per Share is ₨357.34. 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 ₨127.58, compared to a current price of ₨122.27 — trading 4.2% below its estimated fair value. The current Cyclically Adjusted Revenue per Share is ₨357.34. 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 Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For EFU General Insurance (KAR:EFUG), the current Cyclically Adjusted Revenue per Share is ₨357.34 as of Mar. 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 ₨122.27 is trading 4.2% below its estimated GF Value™ of ₨127.58. GuruFocus considers EFU General Insurance to be Fairly Valued.

Key valuation signals for KAR:EFUG:

  • Cyclically Adjusted Revenue per Share: ₨357.34
  • GF Value™: ₨127.58 vs. price of ₨122.27 (4.2% below fair value)
  • GF Score™: 66/100 with 5 warning signs

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 Business Description

Address EFU House, M.A. Jinnah Road, P.O. Box 5005, Karachi, SD, PAK, 74000
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 Revenue per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₨122.27
Price
₨127.58
GF Value