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Selling, general, & admin. expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. EFU General Insurance's selling, general, & admin. expense for the
three
months ended in Mar. 2026 was ₨188 Mil.
Its selling, general, & admin. expense for the trailing twelve months (TTM) ended in Mar. 2026 was ₨2,294 Mil.
EFU General Insurance (KAR:EFUG) Selling, General, & Admin. Expense Explanation
An efficient operation keeps SGA costs low and thus has higher profit margin. The percentage of SGA relative to total revenue is an indication of how efficiently the company operates. Compare this percentage among the companies in the same industry is a good way of finding more efficient operations. A comparison of the SGA cost relative to the revenue with the historical value can also be an indication of how efficient the company has become.
Warren Buffett likes companies with consistent SGA as the percentage of gross profit.
Companies with no durable competitive advantage show wild variation in SG&A as % of Gross Profit.
If SGA is less than 30% of Gross Profit, it is fantastic. If SGA is nearing 100%, it is is in highly competitive industry.
EFU General Insurance Selling, General, & Admin. Expense Related Terms
EFU General Insurance Selling, General, & Admin. Expense Historical Data
* Premium members only.
The historical data trend for EFU General Insurance's Selling, General, & Admin. Expense 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.
EFU General Insurance Selling, General, & Admin. Expense Chart
KAR:EFUG vs CB, PGR, TRV: Selling, General, & Admin. Expense Comparison
For the Insurance - Property & Casualty subindustry, EFU General Insurance's Selling, General, & Admin. Expense, along with its competitors' market caps and Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense vs Insurance Industry
For the Insurance industry and Financial Services sector, EFU General Insurance's Selling, General, & Admin. Expense distribution charts can be found below:
* The bar in red indicates where EFU General Insurance's Selling, General, & Admin. Expense falls into.
EFU General Insurance Selling, General, & Admin. Expense Calculation
Selling, General, & Admin. Expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. For instance, personnel cost, advertising, rent, communication costs are all part of SGA.
Selling, General, & Admin. Expense for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₨2,294 Mil.
* 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.
What does a Selling, General, & Admin. Expense of ₨2,294 Mil mean?
EFU General Insurance (KAR:EFUG) has a Selling, General, & Admin. Expense of ₨2,294 Mil as of Mar. 2026. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on EFU General Insurance and its competitors.
Is EFU General Insurance's Selling, General, & Admin. Expense too high?
EFU General Insurance's current Selling, General, & Admin. Expense is ₨2,294 Mil. Overall, EFU General Insurance has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does EFU General Insurance's Selling, General, & Admin. Expense compare to CB and PGR?
EFU General Insurance's Selling, General, & Admin. Expense of ₨2,294 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Selling, General, & Admin. Expense for an Insurance company?
A good Selling, General, & Admin. Expense depends on the Insurance industry context. However, Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense mean?
A high Selling, General, & Admin. Expense can signal that a stock is expensive relative to its fundamentals. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on EFU General Insurance and its competitors. EFU General Insurance's current Selling, General, & Admin. Expense is ₨2,294 Mil. 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 ₨128.45, compared to a current price of ₨126.00 — trading 1.9% below its estimated fair value. The current Selling, General, & Admin. Expense is ₨2,294 Mil. EFU General Insurance's overall GF Score™ is 68/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Selling, General, & Admin. Expense calculated?
Selling, General, & Admin. Expense is calculated from a company's financial statements. For EFU General Insurance (KAR:EFUG), the current Selling, General, & Admin. Expense is ₨2,294 Mil 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 ₨126.00 is trading 1.9% below its estimated GF Value™ of ₨128.45.
GuruFocus considers EFU General Insurance to be Fairly Valued.
Key valuation signals for KAR:EFUG:
Selling, General, & Admin. Expense: ₨2,294 Mil
GF Value™: ₨128.45 vs. price of ₨126.00 (1.9% below fair value)
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.
68GF Score
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