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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 NRIGrowth Rate was 52.60% per year.
During the past 5 years, the average EPS without NRIGrowth Rate was 22.90% per year.
During the past 10 years, the average EPS without NRIGrowth 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 (Diluted) 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 (Diluted) Related Terms
EFU General Insurance EPS (Diluted) Historical Data
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The historical data trend for EFU General Insurance's EPS (Diluted) 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: EPS (Diluted) Comparison
For the Insurance - Property & Casualty subindustry, EFU General Insurance's PE Ratio, along with its competitors' market caps and PE Ratio 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 PE Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, EFU General Insurance's PE Ratio distribution charts can be found below:
* The bar in red indicates where EFU General Insurance's PE Ratio falls into.
EPS (Diluted) is a rough measurement of the amount of a company's profit that can be allocated to one share of its stock. Diluted EPS takes into account all of the outstanding dilutive securities that could potentially be exercised (such as stock options and convertible preferred stock) and shows how such an action would impact earnings per share.
EFU General Insurance's Diluted EPS for the fiscal year that ended in Dec. 2025 is calculated as
EPS (Diluted) 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.
EFU General Insurance (KAR:EFUG) has a EPS (Diluted) of ₨27.73 as of Mar. 2026. Earnings per share (diluted) equals net income divided by the diluted average shares outstanding. View historical data on EFU General Insurance and its competitors.
Is EFU General Insurance's EPS (Diluted) too high?
EFU General Insurance's current EPS (Diluted) is ₨27.73. 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 EPS (Diluted) compare to CB and PGR?
EFU General Insurance's EPS (Diluted) 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 (Diluted) for an Insurance company?
A good EPS (Diluted) depends on the Insurance industry context. However, EPS (Diluted) 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 (Diluted) mean?
A high EPS (Diluted) can signal that a stock is expensive relative to its fundamentals. Earnings per share (diluted) equals net income divided by the diluted average shares outstanding. View historical data on EFU General Insurance and its competitors. EFU General Insurance's current EPS (Diluted) 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 ₨126.98, compared to a current price of ₨122.01 — trading 3.9% below its estimated fair value. The current EPS (Diluted) is ₨27.73. 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 EPS (Diluted) calculated?
EPS (Diluted) is calculated from a company's financial statements. For EFU General Insurance (KAR:EFUG), the current EPS (Diluted) 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 undervalued.
The current stock price of ₨122.01 is trading 3.9% below its estimated GF Value™ of ₨126.98.
GuruFocus considers EFU General Insurance to be Fairly Valued.
Key valuation signals for KAR:EFUG:
EPS (Diluted): ₨27.73
GF Value™: ₨126.98 vs. price of ₨122.01 (3.9% 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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EPS (Diluted) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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