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EFU General InsuranceKAR:EFUG -0.43%66 Return-on-Tangible-Equity is 19.44% as of Mar. 2026, which is 10% below its 10-year median of 21.60. GuruFocus rates KAR:EFUG with a GF Score™ of 66/100 and a GF Value™ of ₨126.98 (Fairly Valued). The stock has 5 warning signs investors should review. Among 497 Insurance companies, EFU General Insurance ranks better than 78.47% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. EFU General Insurance's annualized net income for the quarter that ended in Mar. 2026 was ₨4,461 Mil. EFU General Insurance's average shareholder tangible equity for the quarter that ended in Mar. 2026 was ₨22,947 Mil. Therefore, EFU General Insurance's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 19.44%.
The historical rank and industry rank for EFU General Insurance's Return-on-Tangible-Equity or its related term are showing as below:
KAR:EFUG'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 3.84 Med: 21.6 Max: 26.76
Current: 25.55
During the past 13 years, EFU General Insurance's highest Return-on-Tangible-Equity was 26.76%. The lowest was 3.84%. And the median was 21.60%.
KAR:EFUG's Return-on-Tangible-Equity is ranked better than 78.47% of 497
companies
in the Insurance industry
Industry Median: 13.32
vs KAR:EFUG: 25.55
EFU General Insurance (KAR:EFUG) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
EFU General Insurance Return-on-Tangible-Equity Related Terms
EFU General Insurance Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for EFU General Insurance's Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Chart
KAR:EFUG vs CB, PGR, TRV: Return-on-Tangible-Equity Comparison
For the Insurance - Property & Casualty subindustry, EFU General Insurance's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, EFU General Insurance's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where EFU General Insurance's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 19.44% mean?
EFU General Insurance (KAR:EFUG) has a Return-on-Tangible-Equity of 19.44% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on EFU General Insurance and its competitors. This is 10% below median its historical median of 21.60. Over the past decade, EFU General Insurance's Return-on-Tangible-Equity has ranged from 3.84 to 26.76. According to the industry distribution chart, EFU General Insurance ranks #107 out of 497 companies in the Insurance industry, placing it in the top 21.5%.
Is EFU General Insurance's Return-on-Tangible-Equity too high?
EFU General Insurance's current Return-on-Tangible-Equity of 19.44% is 10% below median its 10-year median of 21.60. Over the past 10 years, this metric has ranged from a low of 3.84 to a high of 26.76. The Insurance industry median Return-on-Tangible-Equity is 13.32. EFU General Insurance's value of 19.44% is 45.9% above this industry median. Based on the distribution chart, EFU General Insurance ranks #107 out of 497 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 Return-on-Tangible-Equity compare to CB and PGR?
According to the Insurance industry distribution chart, EFU General Insurance ranks #107 out of 497 companies for Return-on-Tangible-Equity. This places EFU General Insurance in the top 22% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 13.32. EFU General Insurance's value of 19.44% is 45.9% above this benchmark. Historically, EFU General Insurance's own Return-on-Tangible-Equity has ranged from 3.84 to 26.76 over the past decade. While the company's 10-year median is 21.60 vs. the industry median of 13.32, 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 Return-on-Tangible-Equity for an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.32, based on 497 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. EFU General Insurance's current Return-on-Tangible-Equity of 19.44% is 45.9% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on EFU General Insurance and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EFU General Insurance's current Return-on-Tangible-Equity is 19.44%, which is 10% below median its own 10-year median of 21.60. 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 ₨126.98, compared to a current price of ₨122.01 — trading 3.9% below its estimated fair value. The current Return-on-Tangible-Equity is 19.44%, which is 10% below median its 10-year median of 21.60 and 45.9% above the Insurance industry median of 13.32. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For EFU General Insurance (KAR:EFUG), the current Return-on-Tangible-Equity is 19.44% 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 ₨122.01 is trading 3.9% below its estimated GF Value™ of ₨126.98.
GuruFocus considers EFU General Insurance to be Fairly Valued.
Key valuation signals for KAR:EFUG:
Return-on-Tangible-Equity: 19.44% (10% below median its 10-year median of 21.60)
GF Value™: ₨126.98 vs. price of ₨122.01 (3.9% below fair value)
Industry Position: 45.9% above the Insurance median (#107 of 497)
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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