Think of Enterprise Value as the theoretical takeover price. It is more comprehensive than market capitalization (Market Cap), which only includes common equity. Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.
EV-to-EBIT is calculated as Enterprise Value divided by its EBIT. As of today, EFU General Insurance's Enterprise Value is ₨23,698 Mil.
EFU General Insurance's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 was ₨11,540 Mil. Therefore, EFU General Insurance's EV-to-EBIT ratio for today is 2.05.
EV-to-EBITDA is calculated as Enterprise Value divided by its EBITDA. As of today, EFU General Insurance's Enterprise Value is ₨23,698 Mil.
EFU General Insurance's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 was ₨-7,245 Mil. Therefore, EFU General Insurance's EV-to-EBITDA ratio for today is -3.27.
*** Please note that the current Enterprise Value is calculated using the current market capitalization and the most recently available financial data. If key financial fields—Long-Term Debt & Capital Lease Obligation and Short-Term Debt & Capital Lease Obligation—are recorded as null in the latest reporting period, our data vendor will default to using data from the prior period with valid entries.
EFU General Insurance (KAR:EFUG) Enterprise Value Explanation
When an investor buy a company, the investor needs to pay not only the common shares, he/she also needs to pay the shareholders of Preferred Stocks. He also assumes the debt of the company, and receives the cash on the company's balance sheet.
If a company has more cash than debt, the investor actually pays less than the Market Cap because he immediately owns the cash once the transaction goes through.
The market value of Preferred Stock needs to be added to the market value of common stocks in the calculation of Enterprise Value.
For the companies with the same Market Cap, the smaller the Enterprise Value is, the cheaper the company is.
Enterprise Value can be negative when the company's net cash is more than its Market Cap. In this case the investor is basically getting the company for free and get paid for that.
1. EV-to-EBIT is calculated as Enterprise Value divided by its EBIT.
EFU General Insurance's current Enterprise Value is ₨23,698 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.
2. EV-to-EBITDA is calculated as Enterprise Value divided by its EBITDA.
EFU General Insurance's EV-to-EBITDA for today is:
EFU General Insurance's current Enterprise Value is ₨23,698 Mil.
EFU General Insurance's EBITDA 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 ₨-7,245 Mil.
EFU General Insurance's current Enterprise Value is ₨23,698 Mil.
EFU General Insurance's Revenue 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 ₨113,583 Mil.
EFU General Insurance's current Enterprise Value is ₨23,698 Mil.
EFU General Insurance's Cash Flow from Operations 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 ₨-15,236 Mil.
EFU General Insurance's current Enterprise Value is ₨23,698 Mil.
EFU General Insurance's Free Cash Flow 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 ₨-16,615 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 Enterprise Value Related Terms
EFU General Insurance Enterprise Value Historical Data
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The historical data trend for EFU General Insurance's Enterprise Value 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: Enterprise Value Comparison
For the Insurance - Property & Casualty subindustry, EFU General Insurance's Enterprise Value, along with its competitors' market caps and Enterprise Value 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 Enterprise Value vs Insurance Industry
For the Insurance industry and Financial Services sector, EFU General Insurance's Enterprise Value distribution charts can be found below:
* The bar in red indicates where EFU General Insurance's Enterprise Value falls into.
EFU General Insurance Enterprise Value Calculation
Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.
EFU General Insurance's Enterprise Value for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Enterprise Value of ₨23,698 Mil as of Jul. 04, 2026. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on EFU General Insurance and its competitors.
Is EFU General Insurance's Enterprise Value too high?
EFU General Insurance's current Enterprise Value is ₨23,698 Mil. Overall, EFU General Insurance has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does EFU General Insurance's Enterprise Value compare to CB and PGR?
EFU General Insurance's Enterprise Value of ₨23,698 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Enterprise Value for an Insurance company?
A good Enterprise Value depends on the Insurance industry context. However, Enterprise Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Enterprise Value mean?
A high Enterprise Value can signal that a stock is expensive relative to its fundamentals. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on EFU General Insurance and its competitors. EFU General Insurance's current Enterprise Value is ₨23,698 Mil. 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 ₨126.42, compared to a current price of ₨125.63 — trading 0.6% below its estimated fair value. The current Enterprise Value is ₨23,698 Mil. EFU General Insurance's overall GF Score™ is 66/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Enterprise Value calculated?
Enterprise Value is calculated from a company's financial statements. For EFU General Insurance (KAR:EFUG), the current Enterprise Value is ₨23,698 Mil as of Jul. 04, 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 ₨125.63 is trading 0.6% below its estimated GF Value™ of ₨126.42.
GuruFocus considers EFU General Insurance to be Fairly Valued.
Key valuation signals for KAR:EFUG:
Enterprise Value: ₨23,698 Mil
GF Value™: ₨126.42 vs. price of ₨125.63 (0.6% below fair value)
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.
66GF Score
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