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EFU General Insurance (KAR:EFUG) PB Ratio : 1.18 (As of Jul. 19, 2025)


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What is EFU General Insurance PB Ratio?

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2025-07-19), EFU General Insurance's share price is ₨134.58. EFU General Insurance's Book Value per Share for the quarter that ended in Mar. 2025 was ₨113.76. Hence, EFU General Insurance's PB Ratio of today is 1.18.

The historical rank and industry rank for EFU General Insurance's PB Ratio or its related term are showing as below:

KAR:EFUG' s PB Ratio Range Over the Past 10 Years
Min: 0.76   Med: 1.13   Max: 1.98
Current: 1.09

During the past 13 years, EFU General Insurance's highest PB Ratio was 1.98. The lowest was 0.76. And the median was 1.13.

KAR:EFUG's PB Ratio is ranked better than
63.94% of 502 companies
in the Insurance industry
Industry Median: 1.295 vs KAR:EFUG: 1.09

During the past 12 months, EFU General Insurance's average Book Value Per Share Growth Rate was 17.70% per year. During the past 3 years, the average Book Value Per Share Growth Rate was 5.80% per year. During the past 5 years, the average Book Value Per Share Growth Rate was 1.60% per year. During the past 10 years, the average Book Value Per Share Growth Rate was 2.30% per year.

During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of EFU General Insurance was 24.30% per year. The lowest was -5.20% per year. And the median was 2.55% per year.

Back to Basics: PB Ratio


EFU General Insurance PB Ratio Historical Data

The historical data trend for EFU General Insurance's PB 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.

* Premium members only.

EFU General Insurance PB Ratio Chart

EFU General Insurance Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.20 1.08 1.08 0.89 1.01

EFU General Insurance Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
PB 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 0.91 0.82 0.85 1.01 1.10

Competitive Comparison of EFU General Insurance's PB Ratio

For the Insurance - Property & Casualty subindustry, EFU General Insurance's PB Ratio, along with its competitors' market caps and PB 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's PB Ratio Distribution in the Insurance Industry

For the Insurance industry and Financial Services sector, EFU General Insurance's PB Ratio distribution charts can be found below:

* The bar in red indicates where EFU General Insurance's PB Ratio falls into.


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EFU General Insurance PB Ratio Calculation

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.

EFU General Insurance's PB Ratio for today is calculated as follows:

PB Ratio=Share Price/Book Value per Share (Q: Mar. 2025)
=134.58/113.758
=1.18

* 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.

It can also be calculated from the numbers for the whole company:

A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.


EFU General Insurance  (KAR:EFUG) PB Ratio Explanation

Unlike valuation ratios relative to the earning power such as PE Ratio, PE Ratio without NRI, PS Ratio, Price-to-Operating-Cash-Flow , or Price-to-Free-Cash-Flow, the PB Ratio measures the valuation of the stock relative to the underlying asset of the company.

The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.


Be Aware

Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.


EFU General Insurance PB Ratio Related Terms

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EFU General Insurance Business Description

Traded in Other Exchanges
N/A
Address
EFU House, M.A. Jinnah Road, P.O. Box 5005, Karachi, SD, PAK, 74000
EFU General Insurance Ltd is an insurance company providing a range of non-life insurance products and services customized to meet the varied needs of a wide spectrum of businesses and industrial clients as well as individuals. The company has four reportable segments namely Fire and property damage; Marine, aviation and transport; Motor, and Miscellaneous. The company generates the majority of its revenue from Fire and property damage segment.

EFU General Insurance Headlines

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