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EFU General Insurance (KAR:EFUG) E10 : ₨16.29 (As of Dec. 2024)


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What is EFU General Insurance E10?

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

EFU General Insurance's adjusted earnings per share data for the three months ended in Dec. 2024 was ₨2.540. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ₨16.29 for the trailing ten years ended in Dec. 2024.

During the past 12 months, EFU General Insurance's average E10 Growth Rate was -100.00% 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 E10 growth rate using E10 data.

As of today (2025-03-14), EFU General Insurance's current stock price is ₨132.13. EFU General Insurance's E10 for the quarter that ended in Dec. 2024 was ₨16.29. EFU General Insurance's Shiller PE Ratio of today is 8.11.

During the past 13 years, the highest Shiller PE Ratio of EFU General Insurance was 12.95. The lowest was 5.18. And the median was 6.47.


EFU General Insurance E10 Historical Data

The historical data trend for EFU General Insurance's E10 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 E10 Chart

EFU General Insurance Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only - 13.52 14.02 15.17 16.29

EFU General Insurance Quarterly Data
Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24
E10 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 15.17 15.70 16.23 16.47 16.29

Competitive Comparison of EFU General Insurance's E10

For the Insurance - Property & Casualty subindustry, EFU General Insurance's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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's Shiller PE Ratio Distribution in the Insurance Industry

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

* The bar in red indicates where EFU General Insurance's Shiller PE Ratio falls into.



EFU General Insurance E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Dec. 2024 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Dec. 2024 (Change)*Current CPI (Dec. 2024)
=2.54/133.1571*133.1571
=2.540

Current CPI (Dec. 2024) = 133.1571.

EFU General Insurance Quarterly Data

per share eps CPI Adj_EPS
201503 2.500 99.621 3.342
201506 4.280 100.684 5.660
201509 1.190 100.392 1.578
201512 12.690 99.792 16.933
201603 2.780 100.470 3.684
201606 2.080 101.688 2.724
201609 3.760 101.861 4.915
201612 3.340 101.863 4.366
201703 3.030 102.862 3.922
201706 4.400 103.349 5.669
201709 3.310 104.136 4.232
201712 3.330 104.011 4.263
201803 5.260 105.290 6.652
201806 1.380 106.317 1.728
201809 3.630 106.507 4.538
201812 3.900 105.998 4.899
201903 2.300 107.251 2.856
201906 -0.250 108.070 -0.308
201909 2.580 108.329 3.171
201912 8.180 108.420 10.046
202003 2.310 108.902 2.825
202006 3.530 108.767 4.322
202009 2.320 109.815 2.813
202012 3.950 109.897 4.786
202103 3.570 111.754 4.254
202106 3.110 114.631 3.613
202109 2.030 115.734 2.336
202112 4.310 117.630 4.879
202203 2.860 121.301 3.140
202206 -0.810 125.017 -0.863
202209 0.990 125.227 1.053
202212 -0.930 125.222 -0.989
202303 2.960 127.348 3.095
202306 -1.060 128.729 -1.096
202309 5.530 129.860 5.670
202312 8.940 129.419 9.198
202403 5.610 131.776 5.669
202406 7.060 132.554 7.092
202409 3.700 133.029 3.704
202412 2.540 133.157 2.540

Add all the adjusted EPS together and divide 10 will get our e10.


EFU General Insurance  (KAR:EFUG) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

EFU General Insurance's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=132.13/16.29
=8.11

* 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 Shiller P/E Ratio of EFU General Insurance was 12.95. The lowest was 5.18. And the median was 6.47.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


EFU General Insurance E10 Related Terms

Thank you for viewing the detailed overview of EFU General Insurance's E10 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.

EFU General Insurance Headlines

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