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EFU Life Assurance has the GF Score of 63, which implies that the company
might have
Poor future performance potential.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes EFU Life Assurance
might have
Poor future performance potential.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
EFU Life Assurance (KAR:EFUL) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
EFU Life Assurance GF Score Related Terms
KAR:EFUL vs BRK.A, AIG, HIG: GF Score Comparison
For the Insurance - Diversified subindustry, EFU Life Assurance's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Insurance Industry
For the Insurance industry and Financial Services sector, EFU Life Assurance's GF Score distribution charts can be found below:
* The bar in red indicates where EFU Life Assurance's GF Score falls into.
EFU Life Assurance (KAR:EFUL) has a GF Score of 63 as of Jul. 23, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on EFU Life Assurance and its competitors. This is near median its historical median of 67.00. Over the past decade, EFU Life Assurance's GF Score has ranged from 47.00 to 96.00.
Is EFU Life Assurance's GF Score too high?
EFU Life Assurance's current GF Score of 63 is near median its 10-year median of 67.00. Over the past 10 years, this metric has ranged from a low of 47.00 to a high of 96.00. 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 GF Score compare to BRK.A and AIG?
EFU Life Assurance's GF Score of 63 can be compared against companies in the Insurance industry. Historically, EFU Life Assurance's own GF Score has ranged from 47.00 to 96.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for an Insurance company?
A good GF Score depends on the Insurance industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on EFU Life Assurance and its competitors. EFU Life Assurance's current GF Score is 63, which is near median its own 10-year median of 67.00. 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 ₨178.95, compared to a current price of ₨154.66 — trading 13.6% below its estimated fair value. The current GF Score is 63, which is near median its 10-year median of 67.00. 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 GF Score calculated?
GF Score is calculated from a company's financial statements. For EFU Life Assurance (KAR:EFUL), the current GF Score is 63 as of Jul. 23, 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 ₨154.66 is trading 13.6% below its estimated GF Value™ of ₨178.95.
GuruFocus considers EFU Life Assurance to be Modestly Undervalued.
Key valuation signals for KAR:EFUL:
GF Score: 63 (near median its 10-year median of 67.00)
GF Value™: ₨178.95 vs. price of ₨154.66 (13.6% 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
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