Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, EFU General Insurance's Enterprise Value is ₨22,974 Mil.
EFU General Insurance's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was ₨-16,615 Mil. Therefore, EFU General Insurance's EV-to-FCF for today is -1.38.
The historical rank and industry rank for EFU General Insurance's EV-to-FCF or its related term are showing as below:
KAR:EFUG'
s EV-to-FCF Range Over the Past 10 Years
Min: -11.37 Med: 3.27 Max: 51.06
Current: -1.42
During the past 13 years, the highest EV-to-FCF of EFU General Insurance was 51.06. The lowest was -11.37. And the median was 3.27.
KAR:EFUG's EV-to-FCF is ranked worse than 100% of 393
companies
in the Insurance industry
Industry Median: 9.84
vs KAR:EFUG: -1.42
EV-to-FCF 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-FCF Explanation
EV-to-FCF 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 ₨122.01.
EFU General Insurance's Earnings per Share (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 ₨27.730.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, EFU General Insurance's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where EFU General Insurance's EV-to-FCF falls into.
EFU General Insurance's current Enterprise Value is ₨22,974 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 (KAR:EFUG) has a EV-to-FCF of -1.38 as of Jul. 15, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on EFU General Insurance and its competitors. According to the industry distribution chart, EFU General Insurance ranks #999999 out of 393 companies in the Insurance industry.
Is EFU General Insurance's EV-to-FCF too high?
EFU General Insurance's current EV-to-FCF is -1.38. Based on the distribution chart, EFU General Insurance ranks #999999 out of 393 companies in the Insurance industry, which is in the bottom quartile relative to peers. 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 EV-to-FCF compare to CB and PGR?
According to the Insurance industry distribution chart, EFU General Insurance ranks #999999 out of 393 companies for EV-to-FCF. This places EFU General Insurance in the lower half of its industry. The industry median EV-to-FCF is 9.84. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.84, based on 393 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on EFU General Insurance and its competitors. For the Insurance industry, the median EV-to-FCF is 9.84 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EFU General Insurance's current EV-to-FCF is -1.38. 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 EV-to-FCF is -1.38. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For EFU General Insurance (KAR:EFUG), the current EV-to-FCF is -1.38 as of Jul. 15, 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:
EV-to-FCF: -1.38
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
Get the complete analysis for KAR:EFUG
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
KAR:EFUG has been successfully added to your 
