EFU Life Assurance (KAR:EFUL) Dividend Payout Ratio: 2.88 (As of Mar. 2026) — 260% Above Median

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KAR:EFUL EFU Life Assurance Ltd KAR:EFUL
63 GF Score
Price ₨155.00
GF Value ₨178.23
Valuation Modestly Undervalued
! 7 Warning Signs
View Full Analysis

What is EFU Life Assurance Dividend Payout Ratio?

EFU Life Assurance KAR:EFUL -0.70% 63 Dividend Payout Ratio is 2.88 as of Mar. 2026, which is 260% above its 10-year median of 0.80. GuruFocus rates KAR:EFUL with a GF Score™ of 63/100 and a GF Value™ of ₨178.23 (Modestly Undervalued). The stock has 7 warning signs investors should review. Among 334 Insurance companies, EFU Life Assurance ranks worse than 80.54% 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 Life Assurance's Dividend Payout Ratio for the months ended in Mar. 2026 was 2.88.

Warning Sign:

If a company's dividend payout ratio is too high, its dividend may not be sustainable. The dividend payout ratio of EFU Life Assurance Ltd is 0.73, which seems too high.

The historical rank and industry rank for EFU Life Assurance's Dividend Payout Ratio or its related term are showing as below:

KAR:EFUL' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.54   Med: 0.8   Max: 1.2
Current: 0.73

During the past 13 years, the highest Dividend Payout Ratio of EFU Life Assurance was 1.20. The lowest was 0.54. And the median was 0.80.

KAR:EFUL's Dividend Payout Ratio is ranked worse than
80.54% of 334 companies
in the Insurance industry
Industry Median: 0.38 vs KAR:EFUL: 0.73

As of today (2026-07-15), the Dividend Yield % of EFU Life Assurance is 9.68%.

During the past 13 years, the highest Trailing Annual Dividend Yield of EFU Life Assurance was 11.45%. The lowest was 3.91%. And the median was 7.83%.

EFU Life Assurance's Dividends per Share for the months ended in Mar. 2026 was ₨10.50.

During the past 5 years, the average Dividends Per Share Growth Rate was 1.50% per year. During the past 10 years, the average Dividends Per Share Growth Rate was 3.60% per year.

During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of EFU Life Assurance was 35.70% per year. The lowest was -5.00% per year. And the median was 13.00% 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 Life Assurance (KAR:EFUL) 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 Life Assurance Dividend Payout Ratio Related Terms

EFU Life Assurance Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for EFU Life Assurance'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.

EFU Life Assurance Dividend Payout Ratio Chart

EFU Life Assurance Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.02 0.91 0.77 0.54 0.65

EFU Life Assurance Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Dividend Payout Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.74 0.28 0.27 0.25 2.88

KAR:EFUL vs BRK.A, AIG, HIG: Dividend Payout Ratio Comparison

For the Insurance - Diversified subindustry, EFU Life Assurance'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 Life Assurance Dividend Payout Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, EFU Life Assurance's Dividend Payout Ratio distribution charts can be found below:

* The bar in red indicates where EFU Life Assurance's Dividend Payout Ratio falls into.


KAR:EFUL
63GF Score
EFU Life Assurance Ltd KAR:EFUL
Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

EFU Life Assurance 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 Life Assurance's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (A: Dec. 2025 )/ EPS without NRI (A: Dec. 2025 )
=15/ 22.932
=0.65

EFU Life Assurance's Dividend Payout Ratio for the quarter that ended in Mar. 2026 is calculated as

Dividend Payout Ratio=Dividends per Share (Q: Mar. 2026 )/ EPS without NRI (Q: Mar. 2026 )
=10.5/ 3.645
=2.88

* 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.

Frequently Asked Questions Learn more about Dividend Payout Ratio →
What does a Dividend Payout Ratio of 2.88 mean?
EFU Life Assurance (KAR:EFUL) has a Dividend Payout Ratio of 2.88 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on EFU Life Assurance and its competitors. This is 260% above median its historical median of 0.80. Over the past decade, EFU Life Assurance's Dividend Payout Ratio has ranged from 0.54 to 1.20. According to the industry distribution chart, EFU Life Assurance ranks #269 out of 334 companies in the Insurance industry, placing it in the top 80.5%.
Is EFU Life Assurance's Dividend Payout Ratio too high?
EFU Life Assurance's current Dividend Payout Ratio of 2.88 is 260% above median its 10-year median of 0.80. Over the past 10 years, this metric has ranged from a low of 0.54 to a high of 1.20. The Insurance industry median Dividend Payout Ratio is 0.38. EFU Life Assurance's value of 2.88 is 657.9% above this industry median. Based on the distribution chart, EFU Life Assurance ranks #269 out of 334 companies in the Insurance industry, which is in the bottom quartile relative to peers. 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 Dividend Payout Ratio compare to BRK.A and AIG?
According to the Insurance industry distribution chart, EFU Life Assurance ranks #269 out of 334 companies for Dividend Payout Ratio. This places EFU Life Assurance in the lower half of its industry. The industry median Dividend Payout Ratio is 0.38. EFU Life Assurance's value of 2.88 is 657.9% above this benchmark. Historically, EFU Life Assurance's own Dividend Payout Ratio has ranged from 0.54 to 1.20 over the past decade. While the company's 10-year median is 0.80 vs. the industry median of 0.38, EFU Life Assurance 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 Life Assurance's current Dividend Payout Ratio of 2.88 is 657.9% 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 Life Assurance 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 Life Assurance's current Dividend Payout Ratio is 2.88, which is 260% above median its own 10-year median of 0.80. 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 ₨178.23, compared to a current price of ₨155.00 — trading 13% below its estimated fair value. The current Dividend Payout Ratio is 2.88, which is 260% above median its 10-year median of 0.80 and 657.9% above the Insurance industry median of 0.38. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For EFU Life Assurance (KAR:EFUL), the current Dividend Payout Ratio is 2.88 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 ₨155.00 is trading 13% below its estimated GF Value™ of ₨178.23. GuruFocus considers EFU Life Assurance to be Modestly Undervalued.

Key valuation signals for KAR:EFUL:

  • Dividend Payout Ratio: 2.88 (260% above median its 10-year median of 0.80)
  • GF Value™: ₨178.23 vs. price of ₨155.00 (13% below fair value)
  • GF Score™: 63/100 with 7 warning signs
  • Industry Position: 657.9% above the Insurance median (#269 of 334)

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 Business Description

Address 8th East Street, Plot No. 112, EFU Life House, Phase 1, DHA, Karachi, SD, PAK
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

Get the complete analysis for KAR:EFUL

Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₨155.00
Price
₨178.23
GF Value