EFU General Insurance (KAR:EFUG) Total Payout Ratio: -6.08 (As of Sep. 02, 2026)

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KAR:EFUG EFU General Insurance Ltd KAR:EFUG
67 GF Score
Price ₨129.86
GF Value ₨140.79
Valuation Fairly Valued
! 4 Warning Signs
View Full Analysis

What is EFU General Insurance Total Payout Ratio?

EFU General Insurance KAR:EFUG +1.46% 67 Total Payout Ratio is -6.08 as of Sep. 02, 2026. GuruFocus rates KAR:EFUG with a GF Score™ of 67/100 and a GF Value™ of ₨140.79 (Fairly Valued). The stock has 4 warning signs investors should review.

Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income.

EFU General Insurance's current Total Payout Ratio is -6.08.


EFU General Insurance Total Payout Ratio Related Terms


EFU General Insurance Total Payout Ratio Historical Data

* Premium members only.

The historical data trend for EFU General Insurance's Total Payout Ratio 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 Total Payout Ratio Chart

EFU General Insurance Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Payout Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.91 3.72 0.80 -4.23 -4.62

EFU General Insurance Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Total Payout Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.06 0.18 -0.07 0.00 1.15

KAR:EFUG vs CB, PGR, TRV: Total Payout Ratio Comparison

For the Insurance - Property & Casualty subindustry, EFU General Insurance's Total Payout Ratio, along with its competitors' market caps and Total Payout Ratio 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 Total Payout Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, EFU General Insurance's Total Payout Ratio distribution charts can be found below:

* The bar in red indicates where EFU General Insurance's Total Payout Ratio falls into.


KAR:EFUG
67GF Score
EFU General Insurance Ltd KAR:EFUG
Total Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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EFU General Insurance Total Payout Ratio Calculation

Total Payout Ratio is a measurement showing the proportion of earnings a company pays shareholders in the form of dividends and net stock repurchases.

EFU General Insurance's Total Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Total Payout Ratio=- (Repurchase of Stock + Issuance of Stock + Cash Flow for Dividends) / Net Income
=- (0 + 0 + -2812.174) / -608.722
=-4.62

EFU General Insurance's Total Payout Ratio for the quarter that ended in Jun. 2026 is calculated as

Total Payout Ratio=- (Repurchase of Stock + Issuance of Stock + Cash Flow for Dividends) / Net Income
=- (0 + 0 + -2046.662) / 1785.888
=1.15

* 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.

Frequently Asked Questions Learn more about Total Payout Ratio →
What does a Total Payout Ratio of -6.08 mean?
EFU General Insurance (KAR:EFUG) has a Total Payout Ratio of -6.08 as of Sep. 02, 2026. Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income. View historical data on EFU General Insurance and its competitors.
Is EFU General Insurance's Total Payout Ratio too high?
EFU General Insurance's current Total Payout Ratio is -6.08. Overall, EFU General Insurance has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does EFU General Insurance's Total Payout Ratio compare to CB and PGR?
EFU General Insurance's Total Payout Ratio of -6.08 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 Total Payout Ratio for an Insurance company?
A good Total Payout Ratio depends on the Insurance industry context. However, Total Payout Ratio 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 Total Payout Ratio mean?
A high Total Payout Ratio can signal that a stock is expensive relative to its fundamentals. Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income. View historical data on EFU General Insurance and its competitors. EFU General Insurance's current Total Payout Ratio is -6.08. 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 ₨140.79, compared to a current price of ₨129.86 — trading 7.8% below its estimated fair value. The current Total Payout Ratio is -6.08. EFU General Insurance's overall GF Score™ is 67/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Total Payout Ratio calculated?
Total Payout Ratio is calculated from a company's financial statements. For EFU General Insurance (KAR:EFUG), the current Total Payout Ratio is -6.08 as of Sep. 02, 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 ₨129.86 is trading 7.8% below its estimated GF Value™ of ₨140.79. GuruFocus considers EFU General Insurance to be Fairly Valued.

Key valuation signals for KAR:EFUG:

  • Total Payout Ratio: -6.08
  • GF Value™: ₨140.79 vs. price of ₨129.86 (7.8% below fair value)
  • GF Score™: 67/100 with 4 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.
67GF Score

Get the complete analysis for KAR:EFUG

Total Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₨129.86
Price
₨140.79
GF Value