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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: 1.08 Max: 1.98
Current: 1
During the past 13 years, EFU General Insurance's highest PB Ratio was 1.98. The lowest was 0.76. And the median was 1.08.
KAR:EFUG's PB Ratio is ranked better than 69.2% of 500
companies
in the Insurance industry
Industry Median: 1.395
vs KAR:EFUG: 1.00
During the past 12 months, EFU General Insurance's average Book Value Per Share Growth Rate was 8.00% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 15.50% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 5.80% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 1.70% 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 5.80% per year.
Back to Basics: PB Ratio
EFU General Insurance (KAR:EFUG) PB Ratio Explanation
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.
* 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 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 PB Ratio vs 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.
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.
* 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) has a PB Ratio of 1.00 as of Jul. 13, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on EFU General Insurance and its competitors. This is near median its historical median of 1.08. Over the past decade, EFU General Insurance's PB Ratio has ranged from 0.76 to 1.98. According to the industry distribution chart, EFU General Insurance ranks #154 out of 500 companies in the Insurance industry, placing it in the top 30.8%.
Is EFU General Insurance's PB Ratio too high?
EFU General Insurance's current PB Ratio of 1.00 is near median its 10-year median of 1.08. Over the past 10 years, this metric has ranged from a low of 0.76 to a high of 1.98. The Insurance industry median PB Ratio is 1.40. EFU General Insurance's value of 1.00 is 28.3% below this industry median. Based on the distribution chart, EFU General Insurance ranks #154 out of 500 companies in the Insurance industry, which is above the industry midpoint. Overall, EFU General Insurance has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does EFU General Insurance's PB Ratio compare to CB and PGR?
According to the Insurance industry distribution chart, EFU General Insurance ranks #154 out of 500 companies for PB Ratio. This puts EFU General Insurance in the upper half of its industry. The industry median PB Ratio is 1.40. EFU General Insurance's value of 1.00 is 28.3% below this benchmark. Historically, EFU General Insurance's own PB Ratio has ranged from 0.76 to 1.98 over the past decade. While the company's 10-year median is 1.08 vs. the industry median of 1.40, 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 PB Ratio for an Insurance company?
The median PB Ratio among Insurance companies is 1.40, based on 500 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. EFU General Insurance's current PB Ratio of 1.00 is 28.3% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on EFU General Insurance and its competitors. For the Insurance industry, the median PB Ratio is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EFU General Insurance's current PB Ratio is 1.00, which is near median its own 10-year median of 1.08. 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 ₨126.87, compared to a current price of ₨122.54 — trading 3.4% below its estimated fair value. The current PB Ratio is 1.00, which is near median its 10-year median of 1.08 and 28.3% below the Insurance industry median of 1.40. EFU General Insurance's overall GF Score™ is 66/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For EFU General Insurance (KAR:EFUG), the current PB Ratio is 1.00 as of Jul. 13, 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 ₨122.54 is trading 3.4% below its estimated GF Value™ of ₨126.87.
GuruFocus considers EFU General Insurance to be Fairly Valued.
Key valuation signals for KAR:EFUG:
PB Ratio: 1.00 (near median its 10-year median of 1.08)
GF Value™: ₨126.87 vs. price of ₨122.54 (3.4% below fair value)
Industry Position: 28.3% below the Insurance median (#154 of 500)
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.
66GF Score
Get the complete analysis for KAR:EFUG
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