EFU Life Assurance (KAR:EFUL) Risk Assessment

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

KAR:EFUL EFU Life Assurance Ltd KAR:EFUL
62 GF Score
Price ₨158.69
GF Value ₨185.38
Valuation Modestly Undervalued
! 3 Warning Signs
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What is EFU Life Assurance Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of EFU Life Assurance is: High Risk: High uncertainty with risk-return tradeoff.

EFU Life Assurance  (KAR:EFUL) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

EFU Life Assurance Risk Assessment Related Terms

KAR:EFUL vs BRK.A, AIG, HIG: Risk Assessment Comparison

For the Insurance - Diversified subindustry, EFU Life Assurance's Risk Assessment, along with its competitors' market caps and Risk Assessment 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 Risk Assessment vs Insurance Industry

For the Insurance industry and Financial Services sector, EFU Life Assurance's Risk Assessment distribution charts can be found below:

* The bar in red indicates where EFU Life Assurance's Risk Assessment falls into.


KAR:EFUL
62GF Score
EFU Life Assurance Ltd KAR:EFUL
Risk Assessment is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

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 ₨158.69 is trading 14.4% below its estimated GF Value™ of ₨185.38. GuruFocus considers EFU Life Assurance to be Modestly Undervalued.

Key valuation signals for KAR:EFUL:

  • Risk Assessment:
  • GF Value™: ₨185.38 vs. price of ₨158.69 (14.4% below fair value)
  • GF Score™: 62/100 with 3 warning signs

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 Business Description

Address 8th East Street, Plot No. 112, EFU Life House, Phase 1, DHA, Karachi, SD, PAK
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.
62GF Score

Get the complete analysis for KAR:EFUL

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

₨158.69
Price
₨185.38
GF Value