EFU Life AssuranceKAR:EFUL 65 EBITDA Margin % is 12.63% as of Mar. 2026, which is 106% above its 10-year median of 6.14. GuruFocus rates KAR:EFUL with a GF Score™ of 65/100 and a GF Value™ of ₨176.51 (Modestly Undervalued). The stock has 7 warning signs investors should review. Among 373 Insurance companies, EFU Life Assurance ranks worse than 84.72% on this metric.
EBITDA Margin % is calculated as EBITDA divided by its Revenue. EFU Life Assurance's EBITDA for the
three
months ended in Mar. 2026 was ₨919 Mil. EFU Life Assurance's Revenue for the
three
months ended in Mar. 2026 was ₨7,277 Mil. Therefore, EFU Life Assurance's EBITDA margin for the quarter that ended in Mar. 2026 was 12.63%.
EFU Life Assurance (KAR:EFUL) 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 Life Assurance EBITDA Margin % Related Terms
EFU Life Assurance EBITDA Margin % Historical Data
* Premium members only.
The historical data trend for EFU Life Assurance'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:EFUL vs BRK.A, AIG, HIG: EBITDA Margin % Comparison
For the Insurance - Diversified subindustry, EFU Life Assurance'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 Life Assurance EBITDA Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, EFU Life Assurance's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where EFU Life Assurance'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 Life Assurance (KAR:EFUL) has a EBITDA Margin % of 12.63% 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 Life Assurance and its competitors. This is 106% above median its historical median of 6.14. Over the past decade, EFU Life Assurance's EBITDA Margin % has ranged from 4.84 to 8.30. According to the industry distribution chart, EFU Life Assurance ranks #316 out of 373 companies in the Insurance industry, placing it in the top 84.7%.
Is EFU Life Assurance's EBITDA Margin % too high?
EFU Life Assurance's current EBITDA Margin % of 12.63% is 106% above median its 10-year median of 6.14. Over the past 10 years, this metric has ranged from a low of 4.84 to a high of 8.30. The Insurance industry median EBITDA Margin % is 14.81. EFU Life Assurance's value of 12.63% is 14.7% below this industry median. Based on the distribution chart, EFU Life Assurance ranks #316 out of 373 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, EFU Life Assurance has a GF Score™ of 65/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does EFU Life Assurance's EBITDA Margin % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, EFU Life Assurance ranks #316 out of 373 companies for EBITDA Margin %. This places EFU Life Assurance in the lower half of its industry. The industry median EBITDA Margin % is 14.81. EFU Life Assurance's value of 12.63% is 14.7% below this benchmark. Historically, EFU Life Assurance's own EBITDA Margin % has ranged from 4.84 to 8.30 over the past decade. While the company's 10-year median is 6.14 vs. the industry median of 14.81, 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 EBITDA Margin % for an Insurance company?
The median EBITDA Margin % among Insurance companies is 14.81, based on 373 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 Life Assurance's current EBITDA Margin % of 12.63% is 14.7% 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 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 Life Assurance 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 Life Assurance's current EBITDA Margin % is 12.63%, which is 106% above median its own 10-year median of 6.14. 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 ₨176.51, compared to a current price of ₨154.97 — trading 12.2% below its estimated fair value. The current EBITDA Margin % is 12.63%, which is 106% above median its 10-year median of 6.14 and 14.7% below the Insurance industry median of 14.81. EFU Life Assurance's overall GF Score™ is 65/100 with 7 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 Life Assurance (KAR:EFUL), the current EBITDA Margin % is 12.63% 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 Life Assurance (KAR:EFUL) Overvalued in 2026?
Based on GuruFocus' analysis, EFU Life Assurance stock appears to be undervalued.
The current stock price of ₨154.97 is trading 12.2% below its estimated GF Value™ of ₨176.51.
GuruFocus considers EFU Life Assurance to be Modestly Undervalued.
Key valuation signals for KAR:EFUL:
EBITDA Margin %: 12.63% (106% above median its 10-year median of 6.14)
GF Value™: ₨176.51 vs. price of ₨154.97 (12.2% below fair value)
Industry Position: 14.7% below the Insurance median (#316 of 373)
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.
65GF Score
Get the complete analysis for KAR:EFUL
EBITDA Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
KAR:EFUL has been successfully added to your 
