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EFU General InsuranceKAR:EFUG -2.33%63 Earnings Yield (Joel Greenblatt) % is 47.85% as of Jun. 2026, which is 54% above its 10-year median of 31.09. GuruFocus rates KAR:EFUG with a GF Score™ of 63/100 and a GF Value™ of ₨141.35 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 508 Insurance companies, EFU General Insurance ranks better than 96.65% on this metric.
EFU General Insurance's Enterprise Value for the quarter that ended in Jun. 2026 was ₨24,868 Mil.
EFU General Insurance's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 was ₨11,877 Mil. EFU General Insurance's Earnings Yield (Joel Greenblatt) for the quarter that ended in Jun. 2026 was 47.85%.
The historical rank and industry rank for EFU General Insurance's Earnings Yield (Joel Greenblatt) % or its related term are showing as below:
KAR:EFUG'
s Earnings Yield (Joel Greenblatt) % Range Over the Past 10 Years
Min: 3.48 Med: 31.09 Max: 52.95
Current: 46.95
During the past 13 years, the highest Earnings Yield (Joel Greenblatt) of EFU General Insurance was 52.95%. The lowest was 3.48%. And the median was 31.09%.
KAR:EFUG's Earnings Yield (Joel Greenblatt) % is ranked better than 96.65% of 508
companies
in the Insurance industry
Industry Median: 7.395
vs KAR:EFUG: 46.95
Joel Greenblatt's definition of earnings yield has the same problems the regular earnings yield does. It does not consider the growth of the company. It only looks at one-year's business operation. For cyclical companies, the earnings yield is usually highest at the peak of the business cycle. But these earnings are rarely sustainable.
A better indicator of the attractiveness of an investment which takes growth into account is the Forward Rate of Return (Yacktman) %. EFU General Insurance's Forward Rate of Return (Yacktman) % for the quarter that ended in Jun. 2026 was 0.00%. The Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
EFU General Insurance (KAR:EFUG) Earnings Yield (Joel Greenblatt) % Explanation
Joel Greenblatt defines the earnings yield using the above equation because it more accurately reflects the company's profitability relative to its stock price. Items like interest payment and tax etc. are not directly related to the company's operational profitability.
Enterprise Value instead of market cap (share price) is used in the calculation because it is the real price stock and bond investors together pay for the company.
Be Aware
Joel Greenblatt's definition of earnings yield has the same problems the regular earnings yield does. It does not consider the growth of the company. It only looks at one-year's business operation. For cyclical companies, the earnings yield is usually highest at the peak of the business cycle. But these earnings are rarely sustainable.
EFU General Insurance Earnings Yield (Joel Greenblatt) % Related Terms
EFU General Insurance Earnings Yield (Joel Greenblatt) % Historical Data
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The historical data trend for EFU General Insurance's Earnings Yield (Joel Greenblatt) % 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 Earnings Yield (Joel Greenblatt) % Chart
For the Insurance - Property & Casualty subindustry, EFU General Insurance's Earnings Yield (Joel Greenblatt) %, along with its competitors' market caps and Earnings Yield (Joel Greenblatt) % 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 Earnings Yield (Joel Greenblatt) % vs Insurance Industry
For the Insurance industry and Financial Services sector, EFU General Insurance's Earnings Yield (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where EFU General Insurance's Earnings Yield (Joel Greenblatt) % falls into.
EFU General Insurance Earnings Yield (Joel Greenblatt) % Calculation
In his book, The Little That Beat the Market, hedge fund manager Joel Greenblatt defines Earnings Yield as operating income divided by enterprise value.
EFU General Insurances Earnings Yield (Joel Greenblatt) for the fiscal year that ended in Dec. 2025 is calculated as
EFU General Insurance's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₨11,877 Mil.
What does a Earnings Yield (Joel Greenblatt) % of 47.85% mean?
EFU General Insurance (KAR:EFUG) has a Earnings Yield (Joel Greenblatt) % of 47.85% as of Jun. 2026. Joel Greenblatt's earnings yield equals the ratio of earnings before interest and taxes to enterprise value. View historical data on EFU General Insurance and its competitors. This is 54% above median its historical median of 31.09. Over the past decade, EFU General Insurance's Earnings Yield (Joel Greenblatt) % has ranged from 3.48 to 52.95. According to the industry distribution chart, EFU General Insurance ranks #17 out of 508 companies in the Insurance industry, placing it in the top 3.3%.
Is EFU General Insurance's Earnings Yield (Joel Greenblatt) % too high?
EFU General Insurance's current Earnings Yield (Joel Greenblatt) % of 47.85% is 54% above median its 10-year median of 31.09. Over the past 10 years, this metric has ranged from a low of 3.48 to a high of 52.95. The Insurance industry median Earnings Yield (Joel Greenblatt) % is 7.40. EFU General Insurance's value of 47.85% is 547.1% above this industry median. Based on the distribution chart, EFU General Insurance ranks #17 out of 508 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, EFU General Insurance has a GF Score™ of 63/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does EFU General Insurance's Earnings Yield (Joel Greenblatt) % compare to CB and PGR?
According to the Insurance industry distribution chart, EFU General Insurance ranks #17 out of 508 companies for Earnings Yield (Joel Greenblatt) %. This places EFU General Insurance in the top 3% of its industry — outperforming the majority of peers. The industry median Earnings Yield (Joel Greenblatt) % is 7.40. EFU General Insurance's value of 47.85% is 547.1% above this benchmark. Historically, EFU General Insurance's own Earnings Yield (Joel Greenblatt) % has ranged from 3.48 to 52.95 over the past decade. While the company's 10-year median is 31.09 vs. the industry median of 7.40, EFU General Insurance has consistently been above 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 Earnings Yield (Joel Greenblatt) % for an Insurance company?
The median Earnings Yield (Joel Greenblatt) % among Insurance companies is 7.40, based on 508 companies in the industry. Companies in the top quartile (top 25%) have a Earnings Yield (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, Earnings Yield (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. EFU General Insurance's current Earnings Yield (Joel Greenblatt) % of 47.85% is 547.1% above 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 Earnings Yield (Joel Greenblatt) % mean?
A high Earnings Yield (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's earnings yield equals the ratio of earnings before interest and taxes to enterprise value. View historical data on EFU General Insurance and its competitors. For the Insurance industry, the median Earnings Yield (Joel Greenblatt) % is 7.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EFU General Insurance's current Earnings Yield (Joel Greenblatt) % is 47.85%, which is 54% above median its own 10-year median of 31.09. 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 Modestly Undervalued. The stock's GF Value™ is ₨141.35, compared to a current price of ₨126.67 — trading 10.4% below its estimated fair value. The current Earnings Yield (Joel Greenblatt) % is 47.85%, which is 54% above median its 10-year median of 31.09 and 547.1% above the Insurance industry median of 7.40. EFU General Insurance's overall GF Score™ is 63/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings Yield (Joel Greenblatt) % calculated?
Earnings Yield (Joel Greenblatt) % is calculated from a company's financial statements. For EFU General Insurance (KAR:EFUG), the current Earnings Yield (Joel Greenblatt) % is 47.85% 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 General Insurance (KAR:EFUG) Overvalued in 2026?
Based on GuruFocus' analysis, EFU General Insurance stock appears to be undervalued.
The current stock price of ₨126.67 is trading 10.4% below its estimated GF Value™ of ₨141.35.
GuruFocus considers EFU General Insurance to be Modestly Undervalued.
Key valuation signals for KAR:EFUG:
Earnings Yield (Joel Greenblatt) %: 47.85% (54% above median its 10-year median of 31.09)
GF Value™: ₨141.35 vs. price of ₨126.67 (10.4% below fair value)
Industry Position: 547.1% above the Insurance median (#17 of 508)
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.
63GF Score
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Earnings Yield (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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