EFU General InsuranceKAR:EFUG +0.50%66 Pretax Margin % is 19.73% as of Mar. 2026, which is 117% above its 10-year median of 9.11. GuruFocus rates KAR:EFUG with a GF Score™ of 66/100 and a GF Value™ of ₨126.42 (Fairly Valued). The stock has 5 warning signs investors should review. Among 504 Insurance companies, EFU General Insurance ranks worse than 57.74% on this metric.
The historical rank and industry rank for EFU General Insurance's Pretax Margin % or its related term are showing as below:
KAR:EFUG'
s Pretax Margin % Range Over the Past 10 Years
Min: 4.1 Med: 9.11 Max: 43.79
Current: 10.01
KAR:EFUG's Pretax Margin % is ranked worse than 57.74% of 504
companies
in the Insurance industry
Industry Median: 11.98
vs KAR:EFUG: 10.01
EFU General Insurance (KAR:EFUG) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
EFU General Insurance Pretax Margin % Related Terms
EFU General Insurance Pretax Margin % Historical Data
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The historical data trend for EFU General Insurance's Pretax Margin % 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: Pretax Margin % Comparison
For the Insurance - Property & Casualty subindustry, EFU General Insurance's Pretax Margin %, along with its competitors' market caps and Pretax Margin % 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 Pretax Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, EFU General Insurance's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where EFU General Insurance's Pretax Margin % falls into.
* 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 Pretax Margin % of 19.73% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on EFU General Insurance and its competitors. This is 117% above median its historical median of 9.11. Over the past decade, EFU General Insurance's Pretax Margin % has ranged from 4.10 to 43.79. According to the industry distribution chart, EFU General Insurance ranks #291 out of 504 companies in the Insurance industry, placing it in the top 57.7%.
Is EFU General Insurance's Pretax Margin % too high?
EFU General Insurance's current Pretax Margin % of 19.73% is 117% above median its 10-year median of 9.11. Over the past 10 years, this metric has ranged from a low of 4.10 to a high of 43.79. The Insurance industry median Pretax Margin % is 11.98. EFU General Insurance's value of 19.73% is 64.7% above this industry median. Based on the distribution chart, EFU General Insurance ranks #291 out of 504 companies in the Insurance industry, which is below 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 Pretax Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, EFU General Insurance ranks #291 out of 504 companies for Pretax Margin %. This places EFU General Insurance in the lower half of its industry. The industry median Pretax Margin % is 11.98. EFU General Insurance's value of 19.73% is 64.7% above this benchmark. Historically, EFU General Insurance's own Pretax Margin % has ranged from 4.10 to 43.79 over the past decade. While the company's 10-year median is 9.11 vs. the industry median of 11.98, 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 Pretax Margin % for an Insurance company?
The median Pretax Margin % among Insurance companies is 11.98, based on 504 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. EFU General Insurance's current Pretax Margin % of 19.73% is 64.7% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on EFU General Insurance and its competitors. For the Insurance industry, the median Pretax Margin % is 11.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EFU General Insurance's current Pretax Margin % is 19.73%, which is 117% above median its own 10-year median of 9.11. 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 ₨126.42, compared to a current price of ₨125.63 — trading 0.6% below its estimated fair value. The current Pretax Margin % is 19.73%, which is 117% above median its 10-year median of 9.11 and 64.7% above the Insurance industry median of 11.98. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For EFU General Insurance (KAR:EFUG), the current Pretax Margin % is 19.73% 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 ₨125.63 is trading 0.6% below its estimated GF Value™ of ₨126.42.
GuruFocus considers EFU General Insurance to be Fairly Valued.
Key valuation signals for KAR:EFUG:
Pretax Margin %: 19.73% (117% above median its 10-year median of 9.11)
GF Value™: ₨126.42 vs. price of ₨125.63 (0.6% below fair value)
Industry Position: 64.7% above the Insurance median (#291 of 504)
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
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