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EFU General InsuranceKAR:EFUG -3.87%62 EV-to-OCF is 1.50 as of Sep. 20, 2026, which is 49% below its 10-year median of 2.94. GuruFocus rates KAR:EFUG with a GF Score™ of 62/100 and a GF Value™ of ₨141.80 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 500 Insurance companies, EFU General Insurance ranks better than 81.6% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, EFU General Insurance's Enterprise Value is ₨24,920 Mil.
EFU General Insurance's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was ₨16,589 Mil. Therefore, EFU General Insurance's EV-to-OCF for today is 1.50.
The historical rank and industry rank for EFU General Insurance's EV-to-OCF or its related term are showing as below:
KAR:EFUG'
s EV-to-OCF Range Over the Past 10 Years
Min: -30.96 Med: 2.94 Max: 37.92
Current: -1.94
During the past 13 years, the highest EV-to-OCF of EFU General Insurance was 37.92. The lowest was -30.96. And the median was 2.94.
KAR:EFUG's EV-to-OCF is ranked better than 81.6% of 500
companies
in the Insurance industry
Industry Median: 6.285
vs KAR:EFUG: -1.94
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EFU General Insurance (KAR:EFUG) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EFU General Insurance's PE Ratio (TTM) for today is calculated as:
EFU General Insurance's share price for today is ₨124.81.
EFU General Insurance's Earnings per Share (Diluted) 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 ₨27.296.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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-OCF, along with its competitors' market caps and EV-to-OCF 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-OCF vs Insurance Industry
For the Insurance industry and Financial Services sector, EFU General Insurance's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where EFU General Insurance's EV-to-OCF falls into.
EFU General Insurance's current Enterprise Value is ₨24,920 Mil.
EFU General Insurance's Cash Flow from Operations 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 ₨16,589 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-OCF of 1.50 as of Sep. 20, 2026. This is 49% below median its historical median of 2.94. According to the industry distribution chart, EFU General Insurance ranks #92 out of 500 companies in the Insurance industry, placing it in the top 18.4%.
Is EFU General Insurance's EV-to-OCF too high?
EFU General Insurance's current EV-to-OCF of 1.50 is 49% below median its 10-year median of 2.94. The Insurance industry median EV-to-OCF is 6.29. EFU General Insurance's value of 1.50 is 76.1% below this industry median. Based on the distribution chart, EFU General Insurance ranks #92 out of 500 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 62/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does EFU General Insurance's EV-to-OCF compare to CB and PGR?
According to the Insurance industry distribution chart, EFU General Insurance ranks #92 out of 500 companies for EV-to-OCF. This places EFU General Insurance in the top 18% of its industry — outperforming the majority of peers. The industry median EV-to-OCF is 6.29. EFU General Insurance's value of 1.50 is 76.1% below this benchmark. While the company's 10-year median is 2.94 vs. the industry median of 6.29, 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-OCF for an Insurance company?
The median EV-to-OCF among Insurance companies is 6.29, based on 500 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. EFU General Insurance's current EV-to-OCF of 1.50 is 76.1% 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-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median EV-to-OCF is 6.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EFU General Insurance's current EV-to-OCF is 1.50, which is 49% below median its own 10-year median of 2.94. 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 ₨141.80, compared to a current price of ₨124.81 — trading 12% below its estimated fair value. The current EV-to-OCF is 1.50, which is 49% below median its 10-year median of 2.94 and 76.1% below the Insurance industry median of 6.29. EFU General Insurance's overall GF Score™ is 62/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For EFU General Insurance (KAR:EFUG), the current EV-to-OCF is 1.50 as of Sep. 20, 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 ₨124.81 is trading 12% below its estimated GF Value™ of ₨141.80.
GuruFocus considers EFU General Insurance to be Modestly Undervalued.
Key valuation signals for KAR:EFUG:
EV-to-OCF: 1.50 (49% below median its 10-year median of 2.94)
GF Value™: ₨141.80 vs. price of ₨124.81 (12% below fair value)
Industry Position: 76.1% below the Insurance median (#92 of 500)
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.
62GF Score
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