EFU General Insurance (KAR:EFUG) EPS (Basic): ₨27.73 (TTM As of Mar. 2026)


KAR:EFUG EFU General Insurance Ltd KAR:EFUG
64 GF Score
Price ₨126.61
GF Value ₨126.01
Valuation Fairly Valued
! 5 Warning Signs
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What is EFU General Insurance EPS (Basic)?

EFU General Insurance KAR:EFUG -0.09% 64 EPS (Basic) is ₨27.73 as of Mar. 2026. 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.

EFU General Insurance's basic earnings per share (Basic EPS) for the three months ended in Mar. 2026 was ₨5.58. Its basic earnings per share (Basic EPS) for the trailing twelve months (TTM) ended in Mar. 2026 was ₨27.73.

EFU General Insurance's EPS (Diluted) for the three months ended in Mar. 2026 was ₨5.58. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was ₨27.73.

EFU General Insurance's EPS without NRI for the three months ended in Mar. 2026 was ₨5.42. Its EPS without NRIearnings per share without non-recurring items for the trailing twelve months (TTM) ended in Mar. 2026 was 29.76.

During the past 12 months, EFU General Insurance's average EPS without NRIGrowth Rate was 22.30% per year. During the past 3 years, the average EPS without NRI Growth Rate was 52.60% per year. During the past 5 years, the average EPS without NRI Growth Rate was 22.90% per year. During the past 10 years, the average EPS without NRI Growth Rate was 4.30% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the EPS without NRI Growth Rate using EPS without NRI data.

During the past 13 years, EFU General Insurance's highest 3-Year average EPS without NRI Growth Rate was 52.60% per year. The lowest was -11.90% per year. And the median was 12.90% per year.

EFU General Insurance  (KAR:EFUG) EPS (Basic) Explanation

EPS is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.

Be Aware

Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.

If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.

EFU General Insurance EPS (Basic) Related Terms

EFU General Insurance EPS (Basic) Historical Data

* Premium members only.

The historical data trend for EFU General Insurance's EPS (Basic) 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.

EFU General Insurance EPS (Basic) Chart

EFU General Insurance Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EPS (Basic)
Get a 7-Day Free Trial Premium Member Only Premium Member Only 13.03 2.11 16.36 18.91 28.24

EFU General Insurance Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EPS (Basic) Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 6.10 6.25 9.35 6.55 5.58
KAR:EFUG
64GF Score
EFU General Insurance Ltd KAR:EFUG
EPS (Basic) is just one metric. See GF Score™, valuation, warning signs, and more.
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EFU General Insurance EPS (Basic) Calculation

EPS (Basic) is a rough measurement of the amount of a company's profit that can be allocated to one share of its stock. Basic earnings per share (EPS) do not factor in the dilutive effects on convertible securities.

EFU General Insurance's Basic EPS for the fiscal year that ended in Dec. 2025 is calculated as

Basic EPS (A: Dec. 2025 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(5648.061-0)/200.000
=28.24

EFU General Insurance's Basic EPS for the quarter that ended in Mar. 2026 is calculated as

Basic EPS (Q: Mar. 2026 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(1115.293-0)/200.000
=5.58

EPS (Basic) 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 ₨27.73

* 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.

Frequently Asked Questions Learn more about EPS (Basic) →
What does a EPS (Basic) of ₨27.73 mean?
EFU General Insurance (KAR:EFUG) has a EPS (Basic) of ₨27.73 as of Mar. 2026. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on EFU General Insurance and its competitors.
Is EFU General Insurance's EPS (Basic) too high?
EFU General Insurance's current EPS (Basic) is ₨27.73. 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 EPS (Basic) compare to CB and PGR?
EFU General Insurance's EPS (Basic) of ₨27.73 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 EPS (Basic) for an Insurance company?
A good EPS (Basic) depends on the Insurance industry context. However, EPS (Basic) 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 EPS (Basic) mean?
A high EPS (Basic) can signal that a stock is expensive relative to its fundamentals. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on EFU General Insurance and its competitors. EFU General Insurance's current EPS (Basic) is ₨27.73. 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 EPS (Basic) is ₨27.73. 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 EPS (Basic) calculated?
EPS (Basic) is calculated from a company's financial statements. For EFU General Insurance (KAR:EFUG), the current EPS (Basic) is ₨27.73 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:

  • EPS (Basic): ₨27.73
  • GF Value™: ₨126.01 vs. price of ₨126.61 (0.5% above fair value)
  • GF Score™: 64/100 with 5 warning signs

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 Business Description

Address EFU House, M.A. Jinnah Road, P.O. Box 5005, Karachi, SD, PAK, 74000
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

Get the complete analysis for KAR:EFUG

EPS (Basic) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₨126.61
Price
₨126.01
GF Value