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EFU Life AssuranceKAR:EFUL -5.02%69 Return-on-Tangible-Asset is 0.54% as of Mar. 2026, which is 57% below its 10-year median of 1.26. GuruFocus rates KAR:EFUL with a GF Score™ of 69/100 and a GF Value™ of ₨181.57 (Fairly Valued). The stock has 7 warning signs investors should review. Among 506 Insurance companies, EFU Life Assurance ranks worse than 76.48% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. EFU Life Assurance's annualizedNet Income for the quarter that ended in Mar. 2026 was ₨1,579 Mil. EFU Life Assurance's average total tangible assets for the quarter that ended in Mar. 2026 was ₨292,791 Mil. Therefore, EFU Life Assurance's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 0.54%.
The historical rank and industry rank for EFU Life Assurance's Return-on-Tangible-Asset or its related term are showing as below:
KAR:EFUL'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.78 Med: 1.26 Max: 1.89
Current: 0.78
During the past 13 years, EFU Life Assurance's highest Return-on-Tangible-Asset was 1.89%. The lowest was 0.78%. And the median was 1.26%.
KAR:EFUL's Return-on-Tangible-Asset is ranked worse than 76.48% of 506
companies
in the Insurance industry
Industry Median: 2.77
vs KAR:EFUL: 0.78
EFU Life Assurance (KAR:EFUL) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
EFU Life Assurance Return-on-Tangible-Asset Related Terms
EFU Life Assurance Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for EFU Life Assurance's Return-on-Tangible-Asset 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:EFUL vs BRK.A, AIG, HIG: Return-on-Tangible-Asset Comparison
For the Insurance - Diversified subindustry, EFU Life Assurance's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Life Assurance Return-on-Tangible-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, EFU Life Assurance's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where EFU Life Assurance's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 0.54% mean?
EFU Life Assurance (KAR:EFUL) has a Return-on-Tangible-Asset of 0.54% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on EFU Life Assurance and its competitors. This is 57% below median its historical median of 1.26. Over the past decade, EFU Life Assurance's Return-on-Tangible-Asset has ranged from 0.78 to 1.89. According to the industry distribution chart, EFU Life Assurance ranks #387 out of 506 companies in the Insurance industry, placing it in the top 76.5%.
Is EFU Life Assurance's Return-on-Tangible-Asset too high?
EFU Life Assurance's current Return-on-Tangible-Asset of 0.54% is 57% below median its 10-year median of 1.26. Over the past 10 years, this metric has ranged from a low of 0.78 to a high of 1.89. The Insurance industry median Return-on-Tangible-Asset is 2.77. EFU Life Assurance's value of 0.54% is 80.5% below this industry median. Based on the distribution chart, EFU Life Assurance ranks #387 out of 506 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, EFU Life Assurance has a GF Score™ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does EFU Life Assurance's Return-on-Tangible-Asset compare to BRK.A and AIG?
According to the Insurance industry distribution chart, EFU Life Assurance ranks #387 out of 506 companies for Return-on-Tangible-Asset. This places EFU Life Assurance in the lower half of its industry. The industry median Return-on-Tangible-Asset is 2.77. EFU Life Assurance's value of 0.54% is 80.5% below this benchmark. Historically, EFU Life Assurance's own Return-on-Tangible-Asset has ranged from 0.78 to 1.89 over the past decade. While the company's 10-year median is 1.26 vs. the industry median of 2.77, EFU Life Assurance 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 Return-on-Tangible-Asset for an Insurance company?
The median Return-on-Tangible-Asset among Insurance companies is 2.77, based on 506 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. EFU Life Assurance's current Return-on-Tangible-Asset of 0.54% is 80.5% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on EFU Life Assurance and its competitors. For the Insurance industry, the median Return-on-Tangible-Asset is 2.77 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EFU Life Assurance's current Return-on-Tangible-Asset is 0.54%, which is 57% below median its own 10-year median of 1.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is EFU Life Assurance stock overvalued right now?
Based on GuruFocus' analysis, EFU Life Assurance (KAR:EFUL) is currently considered Fairly Valued. The stock's GF Value™ is ₨181.57, compared to a current price of ₨168.72 — trading 7.1% below its estimated fair value. The current Return-on-Tangible-Asset is 0.54%, which is 57% below median its 10-year median of 1.26 and 80.5% below the Insurance industry median of 2.77. EFU Life Assurance's overall GF Score™ is 69/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For EFU Life Assurance (KAR:EFUL), the current Return-on-Tangible-Asset is 0.54% 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 Life Assurance (KAR:EFUL) Overvalued in 2026?
Based on GuruFocus' analysis, EFU Life Assurance stock appears to be undervalued.
The current stock price of ₨168.72 is trading 7.1% below its estimated GF Value™ of ₨181.57.
GuruFocus considers EFU Life Assurance to be Fairly Valued.
Key valuation signals for KAR:EFUL:
Return-on-Tangible-Asset: 0.54% (57% below median its 10-year median of 1.26)
GF Value™: ₨181.57 vs. price of ₨168.72 (7.1% below fair value)
Industry Position: 80.5% below the Insurance median (#387 of 506)
No single metric tells the full story. See the KAR:EFUL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
EFU Life Assurance Ltd is an insurance company that operates as a life and health insurer and a family takaful operator, positioning itself as a provider of comprehensive protection, savings, wellbeing, and retirement solutions. Its products and services include life insurance, savings and investment plans, health and wellness solutions, retirement and pension offerings, and Shariah-compliant takaful products, catering to individuals, families, and corporate clients. The company operates across key business segments, including individual life, group life, health, and family takaful, along with digital and inclusive insurance initiatives.
69GF Score
Get the complete analysis for KAR:EFUL
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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