Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
EFU General InsuranceKAR:EFUG 66 5-Year Yield-on-Cost % is 8.06 as of Aug. 04, 2026, which is 9% below its 10-year median of 8.87. GuruFocus rates KAR:EFUG with a GF Score™ of 66/100 and a GF Value™ of ₨127.99 (Fairly Valued). The stock has 5 warning signs investors should review. Among 419 Insurance companies, EFU General Insurance ranks better than 84.96% on this metric.
EFU General Insurance's yield on cost for the quarter that ended in Mar. 2026 was 8.06.
The historical rank and industry rank for EFU General Insurance's 5-Year Yield-on-Cost % or its related term are showing as below:
KAR:EFUG'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 4.57 Med: 8.87 Max: 15.19
Current: 8.06
During the past 13 years, EFU General Insurance's highest Yield on Cost was 15.19. The lowest was 4.57. And the median was 8.87.
KAR:EFUG's 5-Year Yield-on-Cost % is ranked better than 84.96% of 419
companies
in the Insurance industry
Industry Median: 3.87
vs KAR:EFUG: 8.06
EFU General Insurance (KAR:EFUG) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
EFU General Insurance 5-Year Yield-on-Cost % Related Terms
KAR:EFUG vs CB, PGR, TRV: 5-Year Yield-on-Cost % Comparison
For the Insurance - Property & Casualty subindustry, EFU General Insurance's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Insurance Industry
For the Insurance industry and Financial Services sector, EFU General Insurance's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where EFU General Insurance's 5-Year Yield-on-Cost % falls into.
EFU General Insurance 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
EFU General Insurance (KAR:EFUG) has a 5-Year Yield-on-Cost % of 8.06 as of Aug. 04, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on EFU General Insurance and its competitors. This is near median its historical median of 8.87. Over the past decade, EFU General Insurance's 5-Year Yield-on-Cost % has ranged from 4.57 to 15.19. According to the industry distribution chart, EFU General Insurance ranks #63 out of 419 companies in the Insurance industry, placing it in the top 15%.
Is EFU General Insurance's 5-Year Yield-on-Cost % too high?
EFU General Insurance's current 5-Year Yield-on-Cost % of 8.06 is near median its 10-year median of 8.87. Over the past 10 years, this metric has ranged from a low of 4.57 to a high of 15.19. The Insurance industry median 5-Year Yield-on-Cost % is 3.87. EFU General Insurance's value of 8.06 is 108.3% above this industry median. Based on the distribution chart, EFU General Insurance ranks #63 out of 419 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 5-Year Yield-on-Cost % compare to CB and PGR?
According to the Insurance industry distribution chart, EFU General Insurance ranks #63 out of 419 companies for 5-Year Yield-on-Cost %. This places EFU General Insurance in the top 15% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.87. EFU General Insurance's value of 8.06 is 108.3% above this benchmark. Historically, EFU General Insurance's own 5-Year Yield-on-Cost % has ranged from 4.57 to 15.19 over the past decade. While the company's 10-year median is 8.87 vs. the industry median of 3.87, 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 5-Year Yield-on-Cost % for an Insurance company?
The median 5-Year Yield-on-Cost % among Insurance companies is 3.87, based on 419 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. EFU General Insurance's current 5-Year Yield-on-Cost % of 8.06 is 108.3% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on EFU General Insurance and its competitors. For the Insurance industry, the median 5-Year Yield-on-Cost % is 3.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EFU General Insurance's current 5-Year Yield-on-Cost % is 8.06, which is near median its own 10-year median of 8.87. 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 ₨127.99, compared to a current price of ₨124.00 — trading 3.1% below its estimated fair value. The current 5-Year Yield-on-Cost % is 8.06, which is near median its 10-year median of 8.87 and 108.3% above the Insurance industry median of 3.87. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For EFU General Insurance (KAR:EFUG), the current 5-Year Yield-on-Cost % is 8.06 as of Aug. 04, 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 ₨124.00 is trading 3.1% below its estimated GF Value™ of ₨127.99.
GuruFocus considers EFU General Insurance to be Fairly Valued.
Key valuation signals for KAR:EFUG:
5-Year Yield-on-Cost %: 8.06 (near median its 10-year median of 8.87)
GF Value™: ₨127.99 vs. price of ₨124.00 (3.1% below fair value)
Industry Position: 108.3% above the Insurance median (#63 of 419)
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
Get the complete analysis for KAR:EFUG
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
KAR:EFUG has been successfully added to your 
