EFU General Insurance (KAR:EFUG) PEG Ratio: N/A (As of Jul. 16, 2026)

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KAR:EFUG EFU General Insurance Ltd KAR:EFUG
66 GF Score
Price ₨123.99
GF Value ₨126.98
Valuation Fairly Valued
! 5 Warning Signs
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What is EFU General Insurance PEG Ratio?

PE Ratio without NRI / 5-Year EBITDA Growth Rate*

PEG Ratio is defined as the PE Ratio without NRI divided by the growth ratio. The growth rate we use is the 5-Year EBITDA growth rate. As of today, EFU General Insurance's PE Ratio without NRI is 4.17. EFU General Insurance's 5-Year EBITDA growth rate is 0.00%. Therefore, EFU General Insurance's PEG Ratio for today is N/A.

* The 5-Year EBITDA Growth Rate is the 5-year average EBITDA per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.


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


During the past 13 years, EFU General Insurance's highest PEG Ratio was 1.04. The lowest was 0.97. And the median was 1.00.


KAR:EFUG's PEG Ratio is not ranked *
in the Insurance industry.
Industry Median: 0.89
* Ranked among companies with meaningful PEG Ratio only.

Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.


EFU General Insurance  (KAR:EFUG) PEG Ratio Explanation

To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.


EFU General Insurance PEG Ratio Related Terms


EFU General Insurance PEG Ratio Historical Data

* Premium members only.

The historical data trend for EFU General Insurance's PEG 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 General Insurance PEG Ratio Chart

EFU General Insurance Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
PEG Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.98 0.00 0.00

EFU General Insurance Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
PEG 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 0.00 0.00 0.00 0.00 0.00

KAR:EFUG vs CB, PGR, TRV: PEG Ratio Comparison

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

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

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


KAR:EFUG
66GF Score
EFU General Insurance Ltd KAR:EFUG
PEG Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

EFU General Insurance PEG Ratio Calculation

PEG Ratio is defined as the PE Ratio without NRI divided by the growth ratio. The ratio we use is the 5-Year EBITDA growth rate.

EFU General Insurance's PEG Ratio for today is calculated as

PEG Ratio=PE Ratio without NRI/5-Year EBITDA Growth Rate*
=4.1659106944864/0.00
=N/A

* 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.

* Note: The 5-Year EBITDA Growth Rate is the 5-year average EBITDA per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.

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 ₨123.99 is trading 2.4% below its estimated GF Value™ of ₨126.98. GuruFocus considers EFU General Insurance to be Fairly Valued.

Key valuation signals for KAR:EFUG:

  • PEG Ratio: N/A
  • GF Value™: ₨126.98 vs. price of ₨123.99 (2.4% below fair value)
  • GF Score™: 66/100 with 5 warning signs

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 Business Description

Address EFU House, M.A. Jinnah Road, P.O. Box 5005, Karachi, SD, PAK, 74000
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

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

₨123.99
Price
₨126.98
GF Value