EFU General Insurance (KAR:EFUG) ROC (Joel Greenblatt) %: % (As of Mar. 2026)

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Founder & CEO of GuruFocus
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KAR:EFUG EFU General Insurance Ltd KAR:EFUG
66 GF Score
Price ₨124.71
GF Value ₨127.63
Valuation Fairly Valued
! 5 Warning Signs
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What is EFU General Insurance ROC (Joel Greenblatt) %?

EFU General Insurance KAR:EFUG +0.21% 66 ROC (Joel Greenblatt) % is % as of Mar. 2026. GuruFocus rates KAR:EFUG with a GF Score™ of 66/100 and a GF Value™ of ₨127.63 (Fairly Valued). The stock has 5 warning signs investors should review. Among 66 Insurance companies, EFU General Insurance ranks worse than 1515150% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

KAR:EFUG
66GF Score
EFU General Insurance Ltd KAR:EFUG
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
EFU General Insurance (KAR:EFUG) has a ROC (Joel Greenblatt) % of % as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on EFU General Insurance and its competitors. According to the industry distribution chart, EFU General Insurance ranks #999999 out of 66 companies in the Insurance industry.
Is EFU General Insurance's ROC (Joel Greenblatt) % too high?
EFU General Insurance's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, EFU General Insurance ranks #999999 out of 66 companies in the Insurance industry, which is in the bottom quartile 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 ROC (Joel Greenblatt) % compare to CB and PGR?
According to the Insurance industry distribution chart, EFU General Insurance ranks #999999 out of 66 companies for ROC (Joel Greenblatt) %. This places EFU General Insurance in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 74.89. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for an Insurance company?
The median ROC (Joel Greenblatt) % among Insurance companies is 74.89, based on 66 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on EFU General Insurance and its competitors. For the Insurance industry, the median ROC (Joel Greenblatt) % is 74.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EFU General Insurance's current ROC (Joel Greenblatt) % is %. 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 ₨127.63, compared to a current price of ₨124.71 — trading 2.3% below its estimated fair value. The current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For EFU General Insurance (KAR:EFUG), the current ROC (Joel Greenblatt) % is % 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 ₨124.71 is trading 2.3% below its estimated GF Value™ of ₨127.63. GuruFocus considers EFU General Insurance to be Fairly Valued.

Key valuation signals for KAR:EFUG:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: ₨127.63 vs. price of ₨124.71 (2.3% below fair value)
  • GF Score™: 66/100 with 5 warning signs

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 Business Description

Address EFU House, M.A. Jinnah Road, P.O. Box 5005, Karachi, SD, PAK, 74000
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

Get the complete analysis for KAR:EFUG

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₨124.71
Price
₨127.63
GF Value