EFU Life Assurance (KAR:EFUL) Cyclically Adjusted Revenue per Share: ₨668.92 (As of Jun. 2026)

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KAR:EFUL EFU Life Assurance Ltd KAR:EFUL
59 GF Score
Price ₨158.07
GF Value ₨185.28
Valuation Modestly Undervalued
! 3 Warning Signs
View Full Analysis

What is EFU Life Assurance Cyclically Adjusted Revenue per Share?

EFU Life Assurance KAR:EFUL -0.18% 59 Cyclically Adjusted Revenue per Share is ₨668.92 as of Jun. 2026. GuruFocus rates KAR:EFUL with a GF Score™ of 59/100 and a GF Value™ of ₨185.28 (Modestly Undervalued). The stock has 3 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 Life Assurance's adjusted revenue per share for the three months ended in Jun. 2026 was ₨330.497. 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 ₨668.92 for the trailing ten years ended in Jun. 2026.

During the past 12 months, EFU Life Assurance's average Cyclically Adjusted Revenue Growth Rate was 12.30% per year. During the past 3 years, the average Cyclically Adjusted Revenue Growth Rate was 13.60% 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 Life Assurance was 16.20% per year. The lowest was 13.60% per year. And the median was 14.90% per year.

As of today (2026-09-04), EFU Life Assurance's current stock price is ₨158.07. EFU Life Assurance's Cyclically Adjusted Revenue per Share for the quarter that ended in Jun. 2026 was ₨668.92. EFU Life Assurance's Cyclically Adjusted PS Ratio of today is 0.24.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of EFU Life Assurance was 0.58. The lowest was 0.22. And the median was 0.38.


EFU Life Assurance  (KAR:EFUL) 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 Life Assurance's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=158.07/668.92
=0.24

* 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 Life Assurance was 0.58. The lowest was 0.22. And the median was 0.38.


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 Life Assurance Cyclically Adjusted Revenue per Share Related Terms


EFU Life Assurance Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for EFU Life Assurance'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 Life Assurance Cyclically Adjusted Revenue per Share Chart

EFU Life Assurance 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 364.70 432.09 497.42 572.44 632.74

EFU Life Assurance Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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 595.54 623.85 632.74 641.53 668.92

KAR:EFUL vs BRK.A, AIG, HIG: Cyclically Adjusted Revenue per Share Comparison

For the Insurance - Diversified subindustry, EFU Life Assurance'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 Life Assurance Cyclically Adjusted PS Ratio vs Insurance Industry

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

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


KAR:EFUL
59GF Score
EFU Life Assurance Ltd KAR:EFUL
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

EFU Life Assurance 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 Life Assurance's adjusted Revenue per Share data for the three months ended in Jun. 2026 was:

Adj_RevenuePerShare= Revenue per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=330.497/333.9520*333.9520
=330.497

Current CPI (Jun. 2026) = 333.9520.

EFU Life Assurance Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201609 92.008 241.428 127.269
201612 140.865 241.432 194.846
201703 98.333 243.801 134.694
201706 82.312 244.955 112.218
201709 21.616 246.819 29.247
201712 69.023 246.524 93.502
201803 112.073 249.554 149.976
201806 47.026 251.989 62.322
201809 61.629 252.439 81.529
201812 82.155 251.233 109.205
201903 86.834 254.202 114.076
201906 64.862 256.143 84.565
201909 69.154 256.759 89.945
201912 158.879 256.974 206.472
202003 93.083 258.115 120.432
202006 134.809 257.797 174.633
202009 136.818 260.280 175.544
202012 160.363 260.474 205.600
202103 112.702 264.877 142.093
202106 120.129 271.696 147.655
202109 82.452 274.310 100.379
202112 122.140 278.802 146.301
202203 121.344 287.504 140.948
202206 104.069 296.311 117.289
202209 132.485 296.808 149.065
202212 171.452 296.797 192.915
202303 134.728 301.836 149.063
202306 169.363 305.109 185.373
202309 197.202 307.789 213.965
202312 254.213 306.746 276.760
202403 199.997 312.332 213.841
202406 226.283 314.175 240.527
202409 222.845 315.301 236.027
202412 333.069 315.605 352.431
202503 188.685 319.799 197.035
202506 202.309 322.561 209.453
202509 344.008 324.800 353.701
202512 250.084 324.054 257.723
202603 69.305 330.213 70.090
202606 330.497 333.952 330.497

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 ₨668.92 mean?
EFU Life Assurance (KAR:EFUL) has a Cyclically Adjusted Revenue per Share of ₨668.92 as of Jun. 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 Life Assurance and its competitors.
Is EFU Life Assurance's Cyclically Adjusted Revenue per Share too high?
EFU Life Assurance's current Cyclically Adjusted Revenue per Share is ₨668.92. Overall, EFU Life Assurance has a GF Score™ of 59/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does EFU Life Assurance's Cyclically Adjusted Revenue per Share compare to BRK.A and AIG?
EFU Life Assurance's Cyclically Adjusted Revenue per Share of ₨668.92 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 Life Assurance and its competitors. EFU Life Assurance's current Cyclically Adjusted Revenue per Share is ₨668.92. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is EFU Life Assurance stock overvalued right now?
Based on GuruFocus' analysis, EFU Life Assurance (KAR:EFUL) is currently considered Modestly Undervalued. The stock's GF Value™ is ₨185.28, compared to a current price of ₨158.07 — trading 14.7% below its estimated fair value. The current Cyclically Adjusted Revenue per Share is ₨668.92. EFU Life Assurance's overall GF Score™ is 59/100 with 3 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 Life Assurance (KAR:EFUL), the current Cyclically Adjusted Revenue per Share is ₨668.92 as of Jun. 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 Life Assurance (KAR:EFUL) Overvalued in 2026?

Based on GuruFocus' analysis, EFU Life Assurance stock appears to be undervalued. The current stock price of ₨158.07 is trading 14.7% below its estimated GF Value™ of ₨185.28. GuruFocus considers EFU Life Assurance to be Modestly Undervalued.

Key valuation signals for KAR:EFUL:

  • Cyclically Adjusted Revenue per Share: ₨668.92
  • GF Value™: ₨185.28 vs. price of ₨158.07 (14.7% below fair value)
  • GF Score™: 59/100 with 3 warning signs

No single metric tells the full story. See the KAR:EFUL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


EFU Life Assurance Business Description

Address 8th East Street, Plot No. 112, EFU Life House, Phase 1, DHA, Karachi, SD, PAK
EFU Life Assurance Ltd is an insurance company that operates as a life and health insurer and a family takaful operator, positioning itself as a provider of comprehensive protection, savings, wellbeing, and retirement solutions. Its products and services include life insurance, savings and investment plans, health and wellness solutions, retirement and pension offerings, and Shariah-compliant takaful products, catering to individuals, families, and corporate clients. The company operates across key business segments, including individual life, group life, health, and family takaful, along with digital and inclusive insurance initiatives.
59GF Score

Get the complete analysis for KAR:EFUL

Cyclically Adjusted Revenue per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₨158.07
Price
₨185.28
GF Value