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EFU General InsuranceKAR:EFUG -0.52%66 3-Year ROIIC % is 3.98 as of Dec. 2025, which is 252% above its 10-year median of 1.13. GuruFocus rates KAR:EFUG with a GF Score™ of 66/100 and a GF Value™ of ₨127.53 (Fairly Valued). The stock has 5 warning signs investors should review. Among 338 Insurance companies, EFU General Insurance ranks worse than 56.21% on this metric.
3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
EFU General Insurance's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 3.98%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for EFU General Insurance's 3-Year ROIIC % or its related term are showing as below:
KAR:EFUG's 3-Year ROIIC % is ranked worse than 56.21% of 338
companies
in the Insurance industry
Industry Median: 5.09
vs KAR:EFUG: 3.98
EFU General Insurance (KAR:EFUG) 3-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
EFU General Insurance 3-Year ROIIC % Related Terms
EFU General Insurance 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for EFU General Insurance's 3-Year ROIIC % 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.
KAR:EFUG vs CB, PGR, TRV: 3-Year ROIIC % Comparison
For the Insurance - Property & Casualty subindustry, EFU General Insurance's 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 3-Year ROIIC % vs Insurance Industry
For the Insurance industry and Financial Services sector, EFU General Insurance's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where EFU General Insurance's 3-Year ROIIC % 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
EFU General Insurance (KAR:EFUG) has a 3-Year ROIIC % of 3.98 as of Dec. 2025. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on EFU General Insurance and its competitors. This is 252% above median its historical median of 1.13. According to the industry distribution chart, EFU General Insurance ranks #190 out of 338 companies in the Insurance industry, placing it in the top 56.2%.
Is EFU General Insurance's 3-Year ROIIC % too high?
EFU General Insurance's current 3-Year ROIIC % of 3.98 is 252% above median its 10-year median of 1.13. The Insurance industry median 3-Year ROIIC % is 5.09. EFU General Insurance's value of 3.98 is 21.8% below this industry median. Based on the distribution chart, EFU General Insurance ranks #190 out of 338 companies in the Insurance industry, which is below the industry midpoint. 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 3-Year ROIIC % compare to CB and PGR?
According to the Insurance industry distribution chart, EFU General Insurance ranks #190 out of 338 companies for 3-Year ROIIC %. This places EFU General Insurance in the lower half of its industry. The industry median 3-Year ROIIC % is 5.09. EFU General Insurance's value of 3.98 is 21.8% below this benchmark. While the company's 10-year median is 1.13 vs. the industry median of 5.09, EFU General Insurance has consistently been below 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 3-Year ROIIC % for an Insurance company?
The median 3-Year ROIIC % among Insurance companies is 5.09, based on 338 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. EFU General Insurance's current 3-Year ROIIC % of 3.98 is 21.8% below 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on EFU General Insurance and its competitors. For the Insurance industry, the median 3-Year ROIIC % is 5.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EFU General Insurance's current 3-Year ROIIC % is 3.98, which is 252% above median its own 10-year median of 1.13. 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 ₨127.53, compared to a current price of ₨122.27 — trading 4.1% below its estimated fair value. The current 3-Year ROIIC % is 3.98, which is 252% above median its 10-year median of 1.13 and 21.8% below the Insurance industry median of 5.09. 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 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For EFU General Insurance (KAR:EFUG), the current 3-Year ROIIC % is 3.98 as of Dec. 2025. 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 ₨122.27 is trading 4.1% below its estimated GF Value™ of ₨127.53.
GuruFocus considers EFU General Insurance to be Fairly Valued.
Key valuation signals for KAR:EFUG:
3-Year ROIIC %: 3.98 (252% above median its 10-year median of 1.13)
GF Value™: ₨127.53 vs. price of ₨122.27 (4.1% below fair value)
Industry Position: 21.8% below the Insurance median (#190 of 338)
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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