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EFU General InsuranceKAR:EFUG -0.43%66 Shareholder Yield % is 6.76% as of Mar. 2026, which is 20% below its 10-year median of 8.44. GuruFocus rates KAR:EFUG with a GF Score™ of 66/100 and a GF Value™ of ₨126.98 (Fairly Valued). The stock has 5 warning signs investors should review. Among 490 Insurance companies, EFU General Insurance ranks better than 83.06% on this metric.
Shareholder Yield % is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. It is a measure of shareholder return.
As of today, EFU General Insurance's Shareholder Yield % was 6.76%.
EFU General Insurance (KAR:EFUG) Shareholder Yield % Explanation
Shareholder Yield % is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. The term was coined by William W. Priest of Epoch Investment Partners in a paper in 2005 entitled The Case for Shareholder Yield as a Dominant Driver of Future Equity Returns. William Priest indicated that "shareholder yield is a term that we came up with to reflect the various ways dividends can be paid to owners of a business in a publicly-traded company."
Dividend Yield % shows how much a company pays out in dividends each year relative to its stock price, which is most obvious form of shareholder return.
Buyback Yield % is the net repurchase of shares outstanding over the market capital of the company. Shares repurchases also increase shareholder value by returning the money back to shareholders.
Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced.
EFU General Insurance Shareholder Yield % Related Terms
EFU General Insurance Shareholder Yield % Historical Data
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The historical data trend for EFU General Insurance's Shareholder Yield % 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: Shareholder Yield % Comparison
For the Insurance - Property & Casualty subindustry, EFU General Insurance's Shareholder Yield %, along with its competitors' market caps and Shareholder Yield % 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 Shareholder Yield % vs Insurance Industry
For the Insurance industry and Financial Services sector, EFU General Insurance's Shareholder Yield % distribution charts can be found below:
* The bar in red indicates where EFU General Insurance's Shareholder Yield % 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.
* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Shareholder Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.
EFU General Insurance (KAR:EFUG) has a Shareholder Yield % of 6.76% as of Mar. 2026. Shareholder Yield is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. View historical data on EFU General Insurance and its competitors. This is 20% below median its historical median of 8.44. Over the past decade, EFU General Insurance's Shareholder Yield % has ranged from 4.33 to 12.77. According to the industry distribution chart, EFU General Insurance ranks #83 out of 490 companies in the Insurance industry, placing it in the top 16.9%.
Is EFU General Insurance's Shareholder Yield % too high?
EFU General Insurance's current Shareholder Yield % of 6.76% is 20% below median its 10-year median of 8.44. Over the past 10 years, this metric has ranged from a low of 4.33 to a high of 12.77. The Insurance industry median Shareholder Yield % is 2.74. EFU General Insurance's value of 6.76% is 146.7% above this industry median. Based on the distribution chart, EFU General Insurance ranks #83 out of 490 companies in the Insurance industry, which is in the top quartile — a strong position 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 Shareholder Yield % compare to CB and PGR?
According to the Insurance industry distribution chart, EFU General Insurance ranks #83 out of 490 companies for Shareholder Yield %. This places EFU General Insurance in the top 17% of its industry — outperforming the majority of peers. The industry median Shareholder Yield % is 2.74. EFU General Insurance's value of 6.76% is 146.7% above this benchmark. Historically, EFU General Insurance's own Shareholder Yield % has ranged from 4.33 to 12.77 over the past decade. While the company's 10-year median is 8.44 vs. the industry median of 2.74, EFU General Insurance 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 Shareholder Yield % for an Insurance company?
The median Shareholder Yield % among Insurance companies is 2.74, based on 490 companies in the industry. Companies in the top quartile (top 25%) have a Shareholder Yield % significantly above this median, while those in the bottom quartile fall well below. However, Shareholder Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. EFU General Insurance's current Shareholder Yield % of 6.76% is 146.7% 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 Shareholder Yield % mean?
A high Shareholder Yield % can signal that a stock is expensive relative to its fundamentals. Shareholder Yield is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. View historical data on EFU General Insurance and its competitors. For the Insurance industry, the median Shareholder Yield % is 2.74 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EFU General Insurance's current Shareholder Yield % is 6.76%, which is 20% below median its own 10-year median of 8.44. 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 ₨126.98, compared to a current price of ₨122.01 — trading 3.9% below its estimated fair value. The current Shareholder Yield % is 6.76%, which is 20% below median its 10-year median of 8.44 and 146.7% above the Insurance industry median of 2.74. 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 Shareholder Yield % calculated?
Shareholder Yield % is calculated from a company's financial statements. For EFU General Insurance (KAR:EFUG), the current Shareholder Yield % is 6.76% 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 ₨122.01 is trading 3.9% below its estimated GF Value™ of ₨126.98.
GuruFocus considers EFU General Insurance to be Fairly Valued.
Key valuation signals for KAR:EFUG:
Shareholder Yield %: 6.76% (20% below median its 10-year median of 8.44)
GF Value™: ₨126.98 vs. price of ₨122.01 (3.9% below fair value)
Industry Position: 146.7% above the Insurance median (#83 of 490)
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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