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EFU Life AssuranceKAR:EFUL +0.10%67 Debt-to-EBITDA is 0.22 as of Jun. 2026, which is 38% above its 10-year median of 0.16. GuruFocus rates KAR:EFUL with a GF Score™ of 67/100 and a GF Value™ of ₨186.41 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 313 Insurance companies, EFU Life Assurance ranks better than 81.15% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for EFU Life Assurance's Debt-to-EBITDA or its related term are showing as below:
KAR:EFUL'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.11 Med: 0.16 Max: 0.24
Current: 0.22
During the past 13 years, the highest Debt-to-EBITDA Ratio of EFU Life Assurance was 0.24. The lowest was 0.11. And the median was 0.16.
KAR:EFUL's Debt-to-EBITDA is ranked better than 81.15% of 313
companies
in the Insurance industry
Industry Median: 1.24
vs KAR:EFUL: 0.22
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
EFU Life Assurance Debt-to-EBITDA Related Terms
EFU Life Assurance Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for EFU Life Assurance's Debt-to-EBITDA 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.
KAR:EFUL vs BRK.A, AIG, HIG: Debt-to-EBITDA Comparison
For the Insurance - Diversified subindustry, EFU Life Assurance's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, EFU Life Assurance's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where EFU Life Assurance's Debt-to-EBITDA falls into.
* 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 Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Jun. 2026) EBITDA data.
EFU Life Assurance (KAR:EFUL) has a Debt-to-EBITDA of 0.22 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on EFU Life Assurance. This is 38% above median its historical median of 0.16. Over the past decade, EFU Life Assurance's Debt-to-EBITDA has ranged from 0.11 to 0.24. According to the industry distribution chart, EFU Life Assurance ranks #59 out of 313 companies in the Insurance industry, placing it in the top 18.8%.
Is EFU Life Assurance's Debt-to-EBITDA too high?
EFU Life Assurance's current Debt-to-EBITDA of 0.22 is 38% above median its 10-year median of 0.16. Over the past 10 years, this metric has ranged from a low of 0.11 to a high of 0.24. The Insurance industry median Debt-to-EBITDA is 1.24. EFU Life Assurance's value of 0.22 is 82.3% below this industry median. Based on the distribution chart, EFU Life Assurance ranks #59 out of 313 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, EFU Life Assurance has a GF Score™ of 67/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does EFU Life Assurance's Debt-to-EBITDA compare to BRK.A and AIG?
According to the Insurance industry distribution chart, EFU Life Assurance ranks #59 out of 313 companies for Debt-to-EBITDA. This places EFU Life Assurance in the top 19% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 1.24. EFU Life Assurance's value of 0.22 is 82.3% below this benchmark. Historically, EFU Life Assurance's own Debt-to-EBITDA has ranged from 0.11 to 0.24 over the past decade. While the company's 10-year median is 0.16 vs. the industry median of 1.24, EFU Life Assurance 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 Debt-to-EBITDA for an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.24, based on 313 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. EFU Life Assurance's current Debt-to-EBITDA of 0.22 is 82.3% 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 Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on EFU Life Assurance. For the Insurance industry, the median Debt-to-EBITDA is 1.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EFU Life Assurance's current Debt-to-EBITDA is 0.22, which is 38% above median its own 10-year median of 0.16. 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 ₨186.41, compared to a current price of ₨155.75 — trading 16.4% below its estimated fair value. The current Debt-to-EBITDA is 0.22, which is 38% above median its 10-year median of 0.16 and 82.3% below the Insurance industry median of 1.24. EFU Life Assurance's overall GF Score™ is 67/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For EFU Life Assurance (KAR:EFUL), the current Debt-to-EBITDA is 0.22 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 ₨155.75 is trading 16.4% below its estimated GF Value™ of ₨186.41.
GuruFocus considers EFU Life Assurance to be Modestly Undervalued.
Key valuation signals for KAR:EFUL:
Debt-to-EBITDA: 0.22 (38% above median its 10-year median of 0.16)
GF Value™: ₨186.41 vs. price of ₨155.75 (16.4% below fair value)
Industry Position: 82.3% below the Insurance median (#59 of 313)
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 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.
67GF Score
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Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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