EFU General Insurance (KAR:EFUG) Scaled Net Operating Assets: -0.00 (As of Mar. 2026)


KAR:EFUG EFU General Insurance Ltd KAR:EFUG
66 GF Score
Price ₨125.63
GF Value ₨126.42
Valuation Fairly Valued
! 5 Warning Signs
View Full Analysis

What is EFU General Insurance Scaled Net Operating Assets?

EFU General Insurance KAR:EFUG +0.50% 66 Scaled Net Operating Assets is -0.00 as of Mar. 2026. GuruFocus rates KAR:EFUG with a GF Score™ of 66/100 and a GF Value™ of ₨126.42 (Fairly Valued). The stock has 5 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

EFU General Insurance's operating assets for the quarter that ended in Mar. 2026 was ₨331,906 Mil. EFU General Insurance's operating liabilities for the quarter that ended in Mar. 2026 was ₨333,273 Mil. EFU General Insurance's Total Assets for the quarter that ended in Dec. 2025 was ₨380,079 Mil. Therefore, EFU General Insurance's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.00.

KAR:EFUG
66GF Score
EFU General Insurance Ltd KAR:EFUG
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

EFU General Insurance Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

EFU General Insurance's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(372093.05-346514.473)/335312.437
=0.08

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=380078.56 - 7985.51
=372093.05

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=347740.811 - 1151.566 - 74.772
=346514.473

EFU General Insurance's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(331906.3-333272.653)/380078.56
=-0.00

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=364619.966 - 32713.666
=331906.3

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=334486.041 - 1213.388 - 0
=333272.653

* 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 Scaled Net Operating Assets of -0.00 mean?
EFU General Insurance (KAR:EFUG) has a Scaled Net Operating Assets of -0.00 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on EFU General Insurance and its competitors.
Is EFU General Insurance's Scaled Net Operating Assets too high?
EFU General Insurance's current Scaled Net Operating Assets is -0.00. 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 Scaled Net Operating Assets compare to CB and PGR?
EFU General Insurance's Scaled Net Operating Assets of -0.00 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 Scaled Net Operating Assets for an Insurance company?
A good Scaled Net Operating Assets depends on the Insurance industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on EFU General Insurance and its competitors. EFU General Insurance's current Scaled Net Operating Assets is -0.00. 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 ₨126.42, compared to a current price of ₨125.63 — trading 0.6% below its estimated fair value. The current Scaled Net Operating Assets is -0.00. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For EFU General Insurance (KAR:EFUG), the current Scaled Net Operating Assets is -0.00 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 ₨125.63 is trading 0.6% below its estimated GF Value™ of ₨126.42. GuruFocus considers EFU General Insurance to be Fairly Valued.

Key valuation signals for KAR:EFUG:

  • Scaled Net Operating Assets: -0.00
  • GF Value™: ₨126.42 vs. price of ₨125.63 (0.6% below fair value)
  • GF Score™: 66/100 with 5 warning signs

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 Business Description

Address EFU House, M.A. Jinnah Road, P.O. Box 5005, Karachi, SD, PAK, 74000
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

Get the complete analysis for KAR:EFUG

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₨125.63
Price
₨126.42
GF Value