Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
EFU General InsuranceKAR:EFUG -0.06%67 EV-to-EBIT is 2.02 as of Aug. 27, 2026, which is 38% below its 10-year median of 3.25. GuruFocus rates KAR:EFUG with a GF Score™ of 67/100 and a GF Value™ of ₨129.16 (Fairly Valued). The stock has 5 warning signs investors should review. Among 344 Insurance companies, EFU General Insurance ranks better than 93.31% on this metric.
EFU General Insurance (KAR:EFUG) EV-to-EBIT Explanation
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
EFU General Insurance's Enterprise Value for the quarter that ended in Mar. 2026 was ₨21,690 Mil.
EFU General Insurance's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₨11,540 Mil.
* 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.
* 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.
For the Insurance - Property & Casualty subindustry, EFU General Insurance's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Insurance Industry
For the Insurance industry and Financial Services sector, EFU General Insurance's EV-to-EBIT distribution charts can be found below:
* The bar in red indicates where EFU General Insurance's EV-to-EBIT falls into.
EFU General Insurance's current Enterprise Value is ₨23,356 Mil.
EFU General Insurance's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₨11,540 Mil.
* 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 EV-to-EBIT of 2.02 as of Aug. 27, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on EFU General Insurance and its competitors. This is 38% below median its historical median of 3.25. Over the past decade, EFU General Insurance's EV-to-EBIT has ranged from 1.89 to 28.77. According to the industry distribution chart, EFU General Insurance ranks #23 out of 344 companies in the Insurance industry, placing it in the top 6.7%.
Is EFU General Insurance's EV-to-EBIT too high?
EFU General Insurance's current EV-to-EBIT of 2.02 is 38% below median its 10-year median of 3.25. Over the past 10 years, this metric has ranged from a low of 1.89 to a high of 28.77. The Insurance industry median EV-to-EBIT is 8.56. EFU General Insurance's value of 2.02 is 76.4% below this industry median. Based on the distribution chart, EFU General Insurance ranks #23 out of 344 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 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does EFU General Insurance's EV-to-EBIT compare to CB and PGR?
According to the Insurance industry distribution chart, EFU General Insurance ranks #23 out of 344 companies for EV-to-EBIT. This places EFU General Insurance in the top 7% of its industry — outperforming the majority of peers. The industry median EV-to-EBIT is 8.56. EFU General Insurance's value of 2.02 is 76.4% below this benchmark. Historically, EFU General Insurance's own EV-to-EBIT has ranged from 1.89 to 28.77 over the past decade. While the company's 10-year median is 3.25 vs. the industry median of 8.56, EFU General Insurance 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 EV-to-EBIT for an Insurance company?
The median EV-to-EBIT among Insurance companies is 8.56, based on 344 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. EFU General Insurance's current EV-to-EBIT of 2.02 is 76.4% 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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on EFU General Insurance and its competitors. For the Insurance industry, the median EV-to-EBIT is 8.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EFU General Insurance's current EV-to-EBIT is 2.02, which is 38% below median its own 10-year median of 3.25. 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 ₨129.16, compared to a current price of ₨123.92 — trading 4.1% below its estimated fair value. The current EV-to-EBIT is 2.02, which is 38% below median its 10-year median of 3.25 and 76.4% below the Insurance industry median of 8.56. EFU General Insurance's overall GF Score™ is 67/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For EFU General Insurance (KAR:EFUG), the current EV-to-EBIT is 2.02 as of Aug. 27, 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 ₨123.92 is trading 4.1% below its estimated GF Value™ of ₨129.16.
GuruFocus considers EFU General Insurance to be Fairly Valued.
Key valuation signals for KAR:EFUG:
EV-to-EBIT: 2.02 (38% below median its 10-year median of 3.25)
GF Value™: ₨129.16 vs. price of ₨123.92 (4.1% below fair value)
Industry Position: 76.4% below the Insurance median (#23 of 344)
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.
67GF Score
Get the complete analysis for KAR:EFUG
EV-to-EBIT 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:EFUG has been successfully added to your 
