EFU General InsuranceKAR:EFUG 64 EBITDA Margin % is 23.56% as of Mar. 2026, which is 133% above its 10-year median of 10.12. GuruFocus rates KAR:EFUG with a GF Score™ of 64/100 and a GF Value™ of ₨126.01 (Fairly Valued). The stock has 5 warning signs investors should review. Among 369 Insurance companies, EFU General Insurance ranks worse than 95.12% on this metric.
EFU General Insurance (KAR:EFUG) EBITDA Margin % Explanation
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
EFU General Insurance EBITDA Margin % Related Terms
EFU General Insurance EBITDA Margin % Historical Data
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The historical data trend for EFU General Insurance's EBITDA Margin % 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:EFUG vs CB, PGR, TRV: EBITDA Margin % Comparison
For the Insurance - Property & Casualty subindustry, EFU General Insurance's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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 EBITDA Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, EFU General Insurance's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where EFU General Insurance's EBITDA Margin % 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.
EFU General Insurance (KAR:EFUG) has a EBITDA Margin % of 23.56% as of Mar. 2026. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on EFU General Insurance and its competitors. This is 133% above median its historical median of 10.12. According to the industry distribution chart, EFU General Insurance ranks #351 out of 369 companies in the Insurance industry, placing it in the top 95.1%.
Is EFU General Insurance's EBITDA Margin % too high?
EFU General Insurance's current EBITDA Margin % of 23.56% is 133% above median its 10-year median of 10.12. The Insurance industry median EBITDA Margin % is 14.81. EFU General Insurance's value of 23.56% is 59.1% above this industry median. Based on the distribution chart, EFU General Insurance ranks #351 out of 369 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, EFU General Insurance has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does EFU General Insurance's EBITDA Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, EFU General Insurance ranks #351 out of 369 companies for EBITDA Margin %. This places EFU General Insurance in the lower half of its industry. The industry median EBITDA Margin % is 14.81. EFU General Insurance's value of 23.56% is 59.1% above this benchmark. While the company's 10-year median is 10.12 vs. the industry median of 14.81, 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 EBITDA Margin % for an Insurance company?
The median EBITDA Margin % among Insurance companies is 14.81, based on 369 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. EFU General Insurance's current EBITDA Margin % of 23.56% is 59.1% 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 EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on EFU General Insurance and its competitors. For the Insurance industry, the median EBITDA Margin % is 14.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EFU General Insurance's current EBITDA Margin % is 23.56%, which is 133% above median its own 10-year median of 10.12. 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 ₨126.01, compared to a current price of ₨126.61 — trading 0.5% above its estimated fair value. The current EBITDA Margin % is 23.56%, which is 133% above median its 10-year median of 10.12 and 59.1% above the Insurance industry median of 14.81. EFU General Insurance's overall GF Score™ is 64/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For EFU General Insurance (KAR:EFUG), the current EBITDA Margin % is 23.56% 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 overvalued.
The current stock price of ₨126.61 is trading 0.5% above its estimated GF Value™ of ₨126.01.
GuruFocus considers EFU General Insurance to be Fairly Valued.
Key valuation signals for KAR:EFUG:
EBITDA Margin %: 23.56% (133% above median its 10-year median of 10.12)
GF Value™: ₨126.01 vs. price of ₨126.61 (0.5% above fair value)
Industry Position: 59.1% above the Insurance median (#351 of 369)
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.
64GF Score
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