EFU Life AssuranceKAR:EFUL 65 Net Margin % is 5.43% as of Mar. 2026, which is 58% above its 10-year median of 3.43. GuruFocus rates KAR:EFUL with a GF Score™ of 65/100 and a GF Value™ of ₨176.51 (Modestly Undervalued). The stock has 7 warning signs investors should review. Among 506 Insurance companies, EFU Life Assurance ranks worse than 81.42% on this metric.
The historical rank and industry rank for EFU Life Assurance's Net Margin % or its related term are showing as below:
KAR:EFUL'
s Net Margin % Range Over the Past 10 Years
Min: 2.37 Med: 3.43 Max: 7.04
Current: 2.42
KAR:EFUL's Net Margin % is ranked worse than 81.42% of 506
companies
in the Insurance industry
Industry Median: 9.275
vs KAR:EFUL: 2.42
EFU Life Assurance (KAR:EFUL) 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 Life Assurance Net Margin % Related Terms
EFU Life Assurance Net Margin % Historical Data
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The historical data trend for EFU Life Assurance'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.
KAR:EFUL vs BRK.A, AIG, HIG: Net Margin % Comparison
For the Insurance - Diversified subindustry, EFU Life Assurance'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 Life Assurance Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, EFU Life Assurance's Net Margin % distribution charts can be found below:
* The bar in red indicates where EFU Life Assurance'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 Life Assurance (KAR:EFUL) has a Net Margin % of 5.43% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on EFU Life Assurance and its competitors. This is 58% above median its historical median of 3.43. Over the past decade, EFU Life Assurance's Net Margin % has ranged from 2.37 to 7.04. According to the industry distribution chart, EFU Life Assurance ranks #412 out of 506 companies in the Insurance industry, placing it in the top 81.4%.
Is EFU Life Assurance's Net Margin % too high?
EFU Life Assurance's current Net Margin % of 5.43% is 58% above median its 10-year median of 3.43. Over the past 10 years, this metric has ranged from a low of 2.37 to a high of 7.04. The Insurance industry median Net Margin % is 9.28. EFU Life Assurance's value of 5.43% is 41.5% below this industry median. Based on the distribution chart, EFU Life Assurance ranks #412 out of 506 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, EFU Life Assurance has a GF Score™ of 65/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does EFU Life Assurance's Net Margin % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, EFU Life Assurance ranks #412 out of 506 companies for Net Margin %. This places EFU Life Assurance in the lower half of its industry. The industry median Net Margin % is 9.28. EFU Life Assurance's value of 5.43% is 41.5% below this benchmark. Historically, EFU Life Assurance's own Net Margin % has ranged from 2.37 to 7.04 over the past decade. While the company's 10-year median is 3.43 vs. the industry median of 9.28, EFU Life Assurance 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 9.28, based on 506 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 Life Assurance's current Net Margin % of 5.43% is 41.5% 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 Life Assurance and its competitors. For the Insurance industry, the median Net Margin % is 9.28 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EFU Life Assurance's current Net Margin % is 5.43%, which is 58% above median its own 10-year median of 3.43. 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 ₨176.51, compared to a current price of ₨154.97 — trading 12.2% below its estimated fair value. The current Net Margin % is 5.43%, which is 58% above median its 10-year median of 3.43 and 41.5% below the Insurance industry median of 9.28. EFU Life Assurance's overall GF Score™ is 65/100 with 7 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 Life Assurance (KAR:EFUL), the current Net Margin % is 5.43% 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 Life Assurance (KAR:EFUL) Overvalued in 2026?
Based on GuruFocus' analysis, EFU Life Assurance stock appears to be undervalued.
The current stock price of ₨154.97 is trading 12.2% below its estimated GF Value™ of ₨176.51.
GuruFocus considers EFU Life Assurance to be Modestly Undervalued.
Key valuation signals for KAR:EFUL:
Net Margin %: 5.43% (58% above median its 10-year median of 3.43)
GF Value™: ₨176.51 vs. price of ₨154.97 (12.2% below fair value)
Industry Position: 41.5% below the Insurance median (#412 of 506)
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.
65GF Score
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