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EFU General InsuranceKAR:EFUG +0.79%66 PS Ratio is 0.22 as of Jul. 19, 2026, which is 39% below its 10-year median of 0.36. GuruFocus rates KAR:EFUG with a GF Score™ of 66/100 and a GF Value™ of ₨127.18 (Fairly Valued). The stock has 5 warning signs investors should review. Among 501 Insurance companies, EFU General Insurance ranks better than 95.01% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, EFU General Insurance's share price is ₨124.98.
EFU General Insurance's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was ₨567.91. Hence, EFU General Insurance's PS Ratio for today is 0.22.
Warning Sign:
EFU General Insurance Ltd stock PS Ratio (=0.22) is close to 3-year high of 0.24.
The historical rank and industry rank for EFU General Insurance's PS Ratio or its related term are showing as below:
KAR:EFUG'
s PS Ratio Range Over the Past 10 Years
Min: 0.16 Med: 0.36 Max: 4.01
Current: 0.22
During the past 13 years, EFU General Insurance's highest PS Ratio was 4.01. The lowest was 0.16. And the median was 0.36.
KAR:EFUG's PS Ratio is ranked better than 95.01% of 501
companies
in the Insurance industry
Industry Median: 1.14
vs KAR:EFUG: 0.22
EFU General Insurance Ltd revenue per share is in decline over the past 12 months.
During the past 12 months, the average Revenue per Share Growth Rate of EFU General Insurance was -5.70% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 23.70% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 18.60% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 34.90% per year.
During the past 13 years, EFU General Insurance's highest 3-Year average Revenue per Share Growth Rate was 90.90% per year. The lowest was 3.20% per year. And the median was 12.80% per year.
Back to Basics: PS Ratio
EFU General Insurance (KAR:EFUG) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
* 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 PS Ratio, along with its competitors' market caps and PS 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 PS Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, EFU General Insurance's PS Ratio distribution charts can be found below:
* The bar in red indicates where EFU General Insurance's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
EFU General Insurance's Share Price of today is ₨124.98. EFU General Insurance's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₨567.91.
* 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:
EFU General Insurance (KAR:EFUG) has a PS Ratio of 0.22 as of Jul. 19, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on EFU General Insurance and its competitors. This is 39% below median its historical median of 0.36. Over the past decade, EFU General Insurance's PS Ratio has ranged from 0.16 to 4.01. According to the industry distribution chart, EFU General Insurance ranks #25 out of 501 companies in the Insurance industry, placing it in the top 5%.
Is EFU General Insurance's PS Ratio too high?
EFU General Insurance's current PS Ratio of 0.22 is 39% below median its 10-year median of 0.36. Over the past 10 years, this metric has ranged from a low of 0.16 to a high of 4.01. The Insurance industry median PS Ratio is 1.14. EFU General Insurance's value of 0.22 is 80.7% below this industry median. Based on the distribution chart, EFU General Insurance ranks #25 out of 501 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. 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 PS Ratio compare to CB and PGR?
According to the Insurance industry distribution chart, EFU General Insurance ranks #25 out of 501 companies for PS Ratio. This places EFU General Insurance in the top 5% of its industry — outperforming the majority of peers. The industry median PS Ratio is 1.14. EFU General Insurance's value of 0.22 is 80.7% below this benchmark. Historically, EFU General Insurance's own PS Ratio has ranged from 0.16 to 4.01 over the past decade. While the company's 10-year median is 0.36 vs. the industry median of 1.14, 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 PS Ratio for an Insurance company?
The median PS Ratio among Insurance companies is 1.14, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. EFU General Insurance's current PS Ratio of 0.22 is 80.7% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on EFU General Insurance and its competitors. For the Insurance industry, the median PS Ratio is 1.14 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EFU General Insurance's current PS Ratio is 0.22, which is 39% below median its own 10-year median of 0.36. 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 ₨127.18, compared to a current price of ₨124.98 — trading 1.7% below its estimated fair value. The current PS Ratio is 0.22, which is 39% below median its 10-year median of 0.36 and 80.7% below the Insurance industry median of 1.14. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For EFU General Insurance (KAR:EFUG), the current PS Ratio is 0.22 as of Jul. 19, 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 ₨124.98 is trading 1.7% below its estimated GF Value™ of ₨127.18.
GuruFocus considers EFU General Insurance to be Fairly Valued.
Key valuation signals for KAR:EFUG:
PS Ratio: 0.22 (39% below median its 10-year median of 0.36)
GF Value™: ₨127.18 vs. price of ₨124.98 (1.7% below fair value)
Industry Position: 80.7% below the Insurance median (#25 of 501)
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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