EFU Life Assurance (KAR:EFUL) EPS (Basic): ₨20.91 (TTM As of Mar. 2026)

What is EFU Life Assurance EPS (Basic)?

EFU Life Assurance KAR:EFUL 65 EPS (Basic) is ₨20.91 as of Mar. 2026. GuruFocus rates KAR:EFUL with a GF Score™ of 65/100 and a GF Value™ of ₨176.42 (Modestly Undervalued). The stock has 7 warning signs investors should review.

EFU Life Assurance's basic earnings per share (Basic EPS) for the three months ended in Mar. 2026 was ₨3.76. Its basic earnings per share (Basic EPS) for the trailing twelve months (TTM) ended in Mar. 2026 was ₨20.91.

EFU Life Assurance's EPS (Diluted) for the three months ended in Mar. 2026 was ₨3.76. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was ₨20.91.

EFU Life Assurance's EPS without NRI for the three months ended in Mar. 2026 was ₨3.65. Its EPS without NRIearnings per share without non-recurring items for the trailing twelve months (TTM) ended in Mar. 2026 was 20.56.

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.

EFU Life Assurance (KAR:EFUL) 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 Life Assurance EPS (Basic) Related Terms

EFU Life Assurance EPS (Basic) Historical Data

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The historical data trend for EFU Life Assurance'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 Life Assurance EPS (Basic) Chart

EFU Life Assurance Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

EPS (Basic)

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15.08

16.92

20.64

28.79

23.26

EFU Life Assurance 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															6.16	5.48	5.70	5.97	3.76

65GF Score

EFU Life Assurance Ltd KAR:EFUL

EPS (Basic) is just one metric. See GF Score™, valuation, warning signs, and more.

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EFU Life Assurance 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 Life Assurance'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)
	=	(2442.123	-	0)	/	105.000
	=	23.26

EFU Life Assurance'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)
	=	(394.792	-	0)	/	104.998
	=	3.76

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 ₨20.91

Frequently Asked Questions Learn more about EPS (Basic) →

What does a EPS (Basic) of ₨20.91 mean?

EFU Life Assurance (KAR:EFUL) has a EPS (Basic) of ₨20.91 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 Life Assurance and its competitors.

Is EFU Life Assurance's EPS (Basic) too high?

EFU Life Assurance's current EPS (Basic) is ₨20.91. 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 EPS (Basic) compare to BRK.A and AIG?

EFU Life Assurance's EPS (Basic) of ₨20.91 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 Life Assurance and its competitors. EFU Life Assurance's current EPS (Basic) is ₨20.91. 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 ₨176.42, compared to a current price of ₨154.97 — trading 12.2% below its estimated fair value. The current EPS (Basic) is ₨20.91. 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 EPS (Basic) calculated?

EPS (Basic) is calculated from a company's financial statements. For EFU Life Assurance (KAR:EFUL), the current EPS (Basic) is ₨20.91 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 ₨176.42. GuruFocus considers EFU Life Assurance to be Modestly Undervalued.

Key valuation signals for KAR:EFUL:

EPS (Basic): ₨20.91
GF Value™: ₨176.42 vs. price of ₨154.97 (12.2% below fair value)
GF Score™: 65/100 with 7 warning signs

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 Business Description

Industry Financial Services Insurance

Comparable Companies KAR:JGICL BRK.A XTER:ALV XSWX:ZURN XPAR:CS MIL:G TSX:SLF AIG HIG ACGL XTER:TLX XSWX:SLHN OHEL:SAMPO XSWX:HBAN LSE:AV.XAMS:NN XTAE:PHOE XBRU:AGS XAMS:ASRNL XMAD:MAP

Address 8th East Street, Plot No. 112, EFU Life House, Phase 1, DHA, Karachi, SD, PAK

Website https://www.efulife.com

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

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

₨154.97

Price

₨176.42

GF Value

View KAR:EFUL Analysis

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