EFU Life AssuranceKAR:EFUL +0.96%65 ROE % is 16.19% as of Mar. 2026, which is 43% below its 10-year median of 28.28. GuruFocus rates KAR:EFUL with a GF Score™ of 65/100 and a GF Value™ of ₨177.05 (Modestly Undervalued). The stock has 7 warning signs investors should review. Among 506 Insurance companies, EFU Life Assurance ranks better than 85.18% on this metric.
The historical rank and industry rank for EFU Life Assurance's ROE % or its related term are showing as below:
KAR:EFUL'
s ROE % Range Over the Past 10 Years
Min: 23.37 Med: 28.28 Max: 39.32
Current: 23.37
During the past 13 years, EFU Life Assurance's highest ROE % was 39.32%. The lowest was 23.37%. And the median was 28.28%.
KAR:EFUL's ROE % is ranked better than 85.18% of 506
companies
in the Insurance industry
Industry Median: 11.675
vs KAR:EFUL: 23.37
EFU Life Assurance (KAR:EFUL) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
EFU Life Assurance ROE % Related Terms
EFU Life Assurance ROE % Historical Data
* Premium members only.
The historical data trend for EFU Life Assurance's ROE % 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.
For the Insurance - Diversified subindustry, EFU Life Assurance's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, EFU Life Assurance's ROE % distribution charts can be found below:
* The bar in red indicates where EFU Life Assurance's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
EFU Life Assurance (KAR:EFUL) has a ROE % of 16.19% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on EFU Life Assurance and its competitors. This is 43% below median its historical median of 28.28. Over the past decade, EFU Life Assurance's ROE % has ranged from 23.37 to 39.32. According to the industry distribution chart, EFU Life Assurance ranks #75 out of 506 companies in the Insurance industry, placing it in the top 14.8%.
Is EFU Life Assurance's ROE % too high?
EFU Life Assurance's current ROE % of 16.19% is 43% below median its 10-year median of 28.28. Over the past 10 years, this metric has ranged from a low of 23.37 to a high of 39.32. The Insurance industry median ROE % is 11.68. EFU Life Assurance's value of 16.19% is 38.7% above this industry median. Based on the distribution chart, EFU Life Assurance ranks #75 out of 506 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, EFU Life Assurance has a GF Score™ of 65/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does EFU Life Assurance's ROE % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, EFU Life Assurance ranks #75 out of 506 companies for ROE %. This places EFU Life Assurance in the top 15% of its industry — outperforming the majority of peers. The industry median ROE % is 11.68. EFU Life Assurance's value of 16.19% is 38.7% above this benchmark. Historically, EFU Life Assurance's own ROE % has ranged from 23.37 to 39.32 over the past decade. While the company's 10-year median is 28.28 vs. the industry median of 11.68, EFU Life Assurance 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 ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.68, based on 506 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. EFU Life Assurance's current ROE % of 16.19% is 38.7% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on EFU Life Assurance and its competitors. For the Insurance industry, the median ROE % is 11.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EFU Life Assurance's current ROE % is 16.19%, which is 43% below median its own 10-year median of 28.28. 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 ₨177.05, compared to a current price of ₨157.50 — trading 11% below its estimated fair value. The current ROE % is 16.19%, which is 43% below median its 10-year median of 28.28 and 38.7% above the Insurance industry median of 11.68. EFU Life Assurance's overall GF Score™ is 65/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For EFU Life Assurance (KAR:EFUL), the current ROE % is 16.19% 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 ₨157.50 is trading 11% below its estimated GF Value™ of ₨177.05.
GuruFocus considers EFU Life Assurance to be Modestly Undervalued.
Key valuation signals for KAR:EFUL:
ROE %: 16.19% (43% below median its 10-year median of 28.28)
GF Value™: ₨177.05 vs. price of ₨157.50 (11% below fair value)
Industry Position: 38.7% above the Insurance median (#75 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.
65GF Score
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