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EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, EFU Life Assurance's Enterprise Value is ₨10,800 Mil.
EFU Life Assurance's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was ₨-16,293 Mil. Therefore, EFU Life Assurance's EV-to-FCF for today is -0.66.
The historical rank and industry rank for EFU Life Assurance's EV-to-FCF or its related term are showing as below:
KAR:EFUL'
s EV-to-FCF Range Over the Past 10 Years
Min: -32.45 Med: -0.74 Max: 9.09
Current: -0.68
During the past 13 years, the highest EV-to-FCF of EFU Life Assurance was 9.09. The lowest was -32.45. And the median was -0.74.
KAR:EFUL's EV-to-FCF is ranked worse than 100% of 394
companies
in the Insurance industry
Industry Median: 9.785
vs KAR:EFUL: -0.68
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 Life Assurance (KAR:EFUL) 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 Life Assurance's PE Ratio (TTM) for today is calculated as:
EFU Life Assurance's share price for today is ₨152.88.
EFU Life Assurance'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 ₨20.909.
* 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.
EFU Life Assurance EV-to-FCF Related Terms
EFU Life Assurance EV-to-FCF Historical Data
* Premium members only.
The historical data trend for EFU Life Assurance's EV-to-FCF 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.
For the Insurance - Diversified subindustry, EFU Life Assurance'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 Life Assurance EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, EFU Life Assurance's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where EFU Life Assurance's EV-to-FCF falls into.
EFU Life Assurance's current Enterprise Value is ₨10,800 Mil.
EFU Life Assurance'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 ₨-16,293 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 Life Assurance (KAR:EFUL) has a EV-to-FCF of -0.66 as of Jul. 22, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on EFU Life Assurance and its competitors. According to the industry distribution chart, EFU Life Assurance ranks #999999 out of 394 companies in the Insurance industry.
Is EFU Life Assurance's EV-to-FCF too high?
EFU Life Assurance's current EV-to-FCF is -0.66. Based on the distribution chart, EFU Life Assurance ranks #999999 out of 394 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, EFU Life Assurance has a GF Score™ of 63/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does EFU Life Assurance's EV-to-FCF compare to BRK.A and AIG?
According to the Insurance industry distribution chart, EFU Life Assurance ranks #999999 out of 394 companies for EV-to-FCF. This places EFU Life Assurance in the lower half of its industry. The industry median EV-to-FCF is 9.79. 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 9.79, based on 394 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 Life Assurance and its competitors. For the Insurance industry, the median EV-to-FCF is 9.79 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EFU Life Assurance's current EV-to-FCF is -0.66. 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 ₨178.77, compared to a current price of ₨152.88 — trading 14.5% below its estimated fair value. The current EV-to-FCF is -0.66. EFU Life Assurance's overall GF Score™ is 63/100 with 7 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 Life Assurance (KAR:EFUL), the current EV-to-FCF is -0.66 as of Jul. 22, 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 ₨152.88 is trading 14.5% below its estimated GF Value™ of ₨178.77.
GuruFocus considers EFU Life Assurance to be Modestly Undervalued.
Key valuation signals for KAR:EFUL:
EV-to-FCF: -0.66
GF Value™: ₨178.77 vs. price of ₨152.88 (14.5% below fair value)
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 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.
63GF Score
Get the complete analysis for KAR:EFUL
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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