EFU Life Assurance (KAR:EFUL) ROC (Joel Greenblatt) %: % (As of Mar. 2026)

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KAR:EFUL EFU Life Assurance Ltd KAR:EFUL
64 GF Score
Price ₨162.00
GF Value ₨181.30
Valuation Modestly Undervalued
! 7 Warning Signs
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What is EFU Life Assurance ROC (Joel Greenblatt) %?

EFU Life Assurance KAR:EFUL +0.97% 64 ROC (Joel Greenblatt) % is % as of Mar. 2026. GuruFocus rates KAR:EFUL with a GF Score™ of 64/100 and a GF Value™ of ₨181.30 (Modestly Undervalued). The stock has 7 warning signs investors should review. Among 65 Insurance companies, EFU Life Assurance ranks worse than 1538460% on this metric.

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

KAR:EFUL
64GF Score
EFU Life Assurance Ltd KAR:EFUL
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 Life Assurance (KAR:EFUL) 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 Life Assurance and its competitors. According to the industry distribution chart, EFU Life Assurance ranks #999999 out of 65 companies in the Insurance industry.
Is EFU Life Assurance's ROC (Joel Greenblatt) % too high?
EFU Life Assurance's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, EFU Life Assurance ranks #999999 out of 65 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, EFU Life Assurance has a GF Score™ of 64/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does EFU Life Assurance's ROC (Joel Greenblatt) % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, EFU Life Assurance ranks #999999 out of 65 companies for ROC (Joel Greenblatt) %. This places EFU Life Assurance in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 75.27. 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 75.27, based on 65 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 Life Assurance and its competitors. For the Insurance industry, the median ROC (Joel Greenblatt) % is 75.27 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EFU Life Assurance'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 Life Assurance stock overvalued right now?
Based on GuruFocus' analysis, EFU Life Assurance (KAR:EFUL) is currently considered Modestly Undervalued. The stock's GF Value™ is ₨181.30, compared to a current price of ₨162.00 — trading 10.6% below its estimated fair value. The current ROC (Joel Greenblatt) % is %. EFU Life Assurance's overall GF Score™ is 64/100 with 7 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 Life Assurance (KAR:EFUL), 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 Life Assurance (KAR:EFUL) Overvalued in 2026?

Based on GuruFocus' analysis, EFU Life Assurance stock appears to be undervalued. The current stock price of ₨162.00 is trading 10.6% below its estimated GF Value™ of ₨181.30. GuruFocus considers EFU Life Assurance to be Modestly Undervalued.

Key valuation signals for KAR:EFUL:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: ₨181.30 vs. price of ₨162.00 (10.6% below fair value)
  • GF Score™: 64/100 with 7 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.
64GF Score

Get the complete analysis for KAR:EFUL

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

₨162.00
Price
₨181.30
GF Value