EFU General InsuranceKAR:EFUG -0.49%66 Median PS Value is ₨204.73 as of Jun. 30, 2026, which is 100% below its 10-year median of 0.30. GuruFocus rates KAR:EFUG with a GF Score™ of 66/100 and a GF Value™ of ₨126.01 (Fairly Valued). The stock has 5 warning signs investors should review. Among 345 Insurance companies, EFU General Insurance ranks better than 79.42% on this metric.
This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
The historical rank and industry rank for EFU General Insurance's Median PS Value or its related term are showing as below:
KAR:EFUG'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.15 Med: 0.3 Max: 0.62
Current: 0.62
During the past 13 years, the highest Price to Median PS Value of EFU General Insurance was 0.62. The lowest was 0.15. And the median was 0.30.
KAR:EFUG's Price-to-Median-PS-Value is ranked better than 79.42% of 345
companies
in the Insurance industry
Industry Median: 1
vs KAR:EFUG: 0.62
EFU General Insurance (KAR:EFUG) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
EFU General Insurance's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
125.99
/
204.73
=
0.62
* 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 Median PS Value Related Terms
EFU General Insurance Median PS Value Historical Data
* Premium members only.
The historical data trend for EFU General Insurance's Median PS Value 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: Median PS Value Comparison
For the Insurance - Property & Casualty subindustry, EFU General Insurance's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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 Price-to-Median-PS-Value vs Insurance Industry
For the Insurance industry and Financial Services sector, EFU General Insurance's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where EFU General Insurance's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 0.3605.
EFU General Insurance's Revenue per Share 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 ₨567.914.
* 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 Median PS Value of ₨204.73 as of Jun. 30, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on EFU General Insurance and its competitors. This is 68143% above median its historical median of 0.30. Over the past decade, EFU General Insurance's Median PS Value has ranged from 0.15 to 0.62. According to the industry distribution chart, EFU General Insurance ranks #71 out of 345 companies in the Insurance industry, placing it in the top 20.6%.
Is EFU General Insurance's Median PS Value too high?
EFU General Insurance's current Median PS Value of ₨204.73 is 68143% above median its 10-year median of 0.30. Over the past 10 years, this metric has ranged from a low of 0.15 to a high of 0.62. Based on the distribution chart, EFU General Insurance ranks #71 out of 345 companies in the Insurance industry, which is in the top quartile — a strong position 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 Median PS Value compare to CB and PGR?
According to the Insurance industry distribution chart, EFU General Insurance ranks #71 out of 345 companies for Median PS Value. This places EFU General Insurance in the top 21% of its industry — outperforming the majority of peers. The industry median Median PS Value is 1.00. Historically, EFU General Insurance's own Median PS Value has ranged from 0.15 to 0.62 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 Median PS Value for an Insurance company?
The median Median PS Value among Insurance companies is 1.00, based on 345 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on EFU General Insurance and its competitors. For the Insurance industry, the median Median PS Value is 1.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EFU General Insurance's current Median PS Value is ₨204.73, which is 68143% above median its own 10-year median of 0.30. 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 ₨125.99 — trading 0% below its estimated fair value. The current Median PS Value is ₨204.73, which is 68143% above median its 10-year median of 0.30. 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 Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For EFU General Insurance (KAR:EFUG), the current Median PS Value is ₨204.73 as of Jun. 30, 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 ₨125.99 is trading 0% below its estimated GF Value™ of ₨126.01.
GuruFocus considers EFU General Insurance to be Fairly Valued.
Key valuation signals for KAR:EFUG:
Median PS Value: ₨204.73 (68143% above median its 10-year median of 0.30)
GF Value™: ₨126.01 vs. price of ₨125.99 (0% 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
Median PS Value 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 
