The historical rank and industry rank for EFU General Insurance's FCF Margin % or its related term are showing as below:
KAR:EFUG'
s FCF Margin % Range Over the Past 10 Years
Min: -14.63 Med: 6.31 Max: 29.35
Current: -14.63
During the past 13 years, the highest FCF Margin % of EFU General Insurance was 29.35%. The lowest was -14.63%. And the median was 6.31%.
KAR:EFUG's FCF Margin % is ranked worse than 92.02% of 501
companies
in the Insurance industry
Industry Median: 9.6
vs KAR:EFUG: -14.63
EFU General Insurance FCF Margin % Related Terms
EFU General Insurance FCF Margin % Historical Data
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The historical data trend for EFU General Insurance's FCF Margin % 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 - Property & Casualty subindustry, EFU General Insurance's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, EFU General Insurance's FCF Margin % distribution charts can be found below:
* The bar in red indicates where EFU General Insurance's FCF Margin % falls into.
* 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 FCF Margin % of -27.64% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on EFU General Insurance and its competitors. According to the industry distribution chart, EFU General Insurance ranks #461 out of 501 companies in the Insurance industry, placing it in the top 92%.
Is EFU General Insurance's FCF Margin % too high?
EFU General Insurance's current FCF Margin % is -27.64%. Based on the distribution chart, EFU General Insurance ranks #461 out of 501 companies in the Insurance industry, which is in the bottom quartile relative to peers. 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 FCF Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, EFU General Insurance ranks #461 out of 501 companies for FCF Margin %. This places EFU General Insurance in the lower half of its industry. The industry median FCF Margin % is 9.60. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for an Insurance company?
The median FCF Margin % among Insurance companies is 9.60, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on EFU General Insurance and its competitors. For the Insurance industry, the median FCF Margin % is 9.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EFU General Insurance's current FCF Margin % is -27.64%. 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 FCF Margin % is -27.64%. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For EFU General Insurance (KAR:EFUG), the current FCF Margin % is -27.64% 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:
FCF Margin %: -27.64%
GF Value™: ₨126.01 vs. price of ₨126.61 (0.5% above 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.
64GF Score
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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