EFU General InsuranceKAR:EFUG 64 Net Margin % is 9.09% as of Mar. 2026, which is 99% above its 10-year median of 4.57. GuruFocus rates KAR:EFUG with a GF Score™ of 64/100 and a GF Value™ of ₨126.01 (Fairly Valued). The stock has 5 warning signs investors should review. Among 501 Insurance companies, EFU General Insurance ranks worse than 71.46% on this metric.
The historical rank and industry rank for EFU General Insurance's Net Margin % or its related term are showing as below:
KAR:EFUG'
s Net Margin % Range Over the Past 10 Years
Min: 0.63 Med: 4.57 Max: 28.43
Current: 4.88
KAR:EFUG's Net Margin % is ranked worse than 71.46% of 501
companies
in the Insurance industry
Industry Median: 9.29
vs KAR:EFUG: 4.88
EFU General Insurance (KAR:EFUG) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
EFU General Insurance Net Margin % Related Terms
EFU General Insurance Net Margin % Historical Data
* Premium members only.
The historical data trend for EFU General Insurance's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, EFU General Insurance's Net Margin % distribution charts can be found below:
* The bar in red indicates where EFU General Insurance's Net 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 Net Margin % of 9.09% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on EFU General Insurance and its competitors. This is 99% above median its historical median of 4.57. Over the past decade, EFU General Insurance's Net Margin % has ranged from 0.63 to 28.43. According to the industry distribution chart, EFU General Insurance ranks #358 out of 501 companies in the Insurance industry, placing it in the top 71.5%.
Is EFU General Insurance's Net Margin % too high?
EFU General Insurance's current Net Margin % of 9.09% is 99% above median its 10-year median of 4.57. Over the past 10 years, this metric has ranged from a low of 0.63 to a high of 28.43. The Insurance industry median Net Margin % is 9.29. EFU General Insurance's value of 9.09% is 2.2% below this industry median. Based on the distribution chart, EFU General Insurance ranks #358 out of 501 companies in the Insurance industry, which is below the industry midpoint. 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 Net Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, EFU General Insurance ranks #358 out of 501 companies for Net Margin %. This places EFU General Insurance in the lower half of its industry. The industry median Net Margin % is 9.29. EFU General Insurance's value of 9.09% is 2.2% below this benchmark. Historically, EFU General Insurance's own Net Margin % has ranged from 0.63 to 28.43 over the past decade. While the company's 10-year median is 4.57 vs. the industry median of 9.29, EFU General Insurance has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.29, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. EFU General Insurance's current Net Margin % of 9.09% is 2.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on EFU General Insurance and its competitors. For the Insurance industry, the median Net Margin % is 9.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EFU General Insurance's current Net Margin % is 9.09%, which is 99% above median its own 10-year median of 4.57. 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 Net Margin % is 9.09%, which is 99% above median its 10-year median of 4.57 and 2.2% below the Insurance industry median of 9.29. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For EFU General Insurance (KAR:EFUG), the current Net Margin % is 9.09% 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:
Net Margin %: 9.09% (99% above median its 10-year median of 4.57)
GF Value™: ₨126.01 vs. price of ₨126.61 (0.5% above fair value)
Industry Position: 2.2% below the Insurance median (#358 of 501)
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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