EFU General InsuranceKAR:EFUG -0.50%67 Dividend Payout Ratio is 1.01 as of Mar. 2026, which is 33% above its 10-year median of 0.76. GuruFocus rates KAR:EFUG with a GF Score™ of 67/100 and a GF Value™ of ₨126.57 (Fairly Valued). The stock has 5 warning signs investors should review. Among 334 Insurance companies, EFU General Insurance ranks better than 54.19% on this metric.
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. EFU General Insurance's Dividend Payout Ratio for the
months ended in Mar. 2026 was 1.01.
The historical rank and industry rank for EFU General Insurance's Dividend Payout Ratio or its related term are showing as below:
KAR:EFUG'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.33 Med: 0.76 Max: 1.16
Current: 0.34
During the past 13 years, the highest Dividend Payout Ratio of EFU General Insurance was 1.16. The lowest was 0.33. And the median was 0.76.
KAR:EFUG's Dividend Payout Ratio is ranked better than 54.19% of 334
companies
in the Insurance industry
Industry Median: 0.38
vs KAR:EFUG: 0.34
During the past 13 years, the highest Trailing Annual Dividend Yield of EFU General Insurance was 15.19%. The lowest was 4.57%. And the median was 8.87%.
During the past 10 years, the average Dividends Per Share Growth Rate was 2.90% per year.
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of EFU General Insurance was 72.40% per year. The lowest was -40.70% per year. And the median was 4.90% per year.
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
EFU General Insurance (KAR:EFUG) Dividend Payout Ratio Explanation
In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
EFU General Insurance Dividend Payout Ratio Related Terms
EFU General Insurance Dividend Payout Ratio Historical Data
* Premium members only.
The historical data trend for EFU General Insurance's Dividend Payout Ratio 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: Dividend Payout Ratio Comparison
For the Insurance - Property & Casualty subindustry, EFU General Insurance's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, EFU General Insurance's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where EFU General Insurance's Dividend Payout Ratio falls into.
EFU General Insurance Dividend Payout Ratio Calculation
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.
EFU General Insurance's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Dividend Payout Ratio of 1.01 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on EFU General Insurance and its competitors. This is 33% above median its historical median of 0.76. Over the past decade, EFU General Insurance's Dividend Payout Ratio has ranged from 0.33 to 1.16. According to the industry distribution chart, EFU General Insurance ranks #153 out of 334 companies in the Insurance industry, placing it in the top 45.8%.
Is EFU General Insurance's Dividend Payout Ratio too high?
EFU General Insurance's current Dividend Payout Ratio of 1.01 is 33% above median its 10-year median of 0.76. Over the past 10 years, this metric has ranged from a low of 0.33 to a high of 1.16. The Insurance industry median Dividend Payout Ratio is 0.38. EFU General Insurance's value of 1.01 is 165.8% above this industry median. Based on the distribution chart, EFU General Insurance ranks #153 out of 334 companies in the Insurance industry, which is above the industry midpoint. Overall, EFU General Insurance has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does EFU General Insurance's Dividend Payout Ratio compare to CB and PGR?
According to the Insurance industry distribution chart, EFU General Insurance ranks #153 out of 334 companies for Dividend Payout Ratio. This puts EFU General Insurance in the upper half of its industry. The industry median Dividend Payout Ratio is 0.38. EFU General Insurance's value of 1.01 is 165.8% above this benchmark. Historically, EFU General Insurance's own Dividend Payout Ratio has ranged from 0.33 to 1.16 over the past decade. While the company's 10-year median is 0.76 vs. the industry median of 0.38, EFU General Insurance has consistently been above 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 Dividend Payout Ratio for an Insurance company?
The median Dividend Payout Ratio among Insurance companies is 0.38, based on 334 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. EFU General Insurance's current Dividend Payout Ratio of 1.01 is 165.8% above 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on EFU General Insurance and its competitors. For the Insurance industry, the median Dividend Payout Ratio is 0.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EFU General Insurance's current Dividend Payout Ratio is 1.01, which is 33% above median its own 10-year median of 0.76. 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 ₨126.57, compared to a current price of ₨125.00 — trading 1.2% below its estimated fair value. The current Dividend Payout Ratio is 1.01, which is 33% above median its 10-year median of 0.76 and 165.8% above the Insurance industry median of 0.38. EFU General Insurance's overall GF Score™ is 67/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For EFU General Insurance (KAR:EFUG), the current Dividend Payout Ratio is 1.01 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 undervalued.
The current stock price of ₨125.00 is trading 1.2% below its estimated GF Value™ of ₨126.57.
GuruFocus considers EFU General Insurance to be Fairly Valued.
Key valuation signals for KAR:EFUG:
Dividend Payout Ratio: 1.01 (33% above median its 10-year median of 0.76)
GF Value™: ₨126.57 vs. price of ₨125.00 (1.2% below fair value)
Industry Position: 165.8% above the Insurance median (#153 of 334)
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.
67GF Score
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Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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