EFU General Insurance Limited (PSX:EFUG)
Pakistan · Delayed Price · Currency is PKR 125.71
-4.54 (-3.49%)
At close: Jan 30, 2026
EFU General Insurance Income Statement
Financials in millions PKR. Fiscal year is January - December.
Millions PKR. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 |
Premiums & Annuity Revenue | 63,828 | 53,904 | 48,750 | 48,721 | 46,118 | 40,234 |
Total Interest & Dividend Income | 33,464 | 41,540 | 35,036 | 20,993 | 13,335 | 12,992 |
Gain (Loss) on Sale of Investments | 33,796 | 22,629 | 6,368 | -5,028 | -4,507 | 9,518 |
Other Revenue | 302.63 | 552.96 | 617.48 | 251.3 | 143.25 | 143.59 |
| 131,391 | 118,626 | 90,771 | 64,938 | 55,089 | 62,888 | |
Revenue Growth (YoY) | 20.19% | 30.69% | 39.78% | 17.88% | -12.40% | 32.95% |
Policy Benefits | 98,462 | 89,915 | 66,177 | 45,284 | 35,725 | 45,840 |
Policy Acquisition & Underwriting Costs | 12,938 | 10,362 | 9,335 | 9,805 | 9,480 | 7,625 |
Selling, General & Administrative | 8,297 | 8,404 | 7,356 | 6,534 | 5,883 | 5,075 |
Other Operating Expenses | 457.44 | 368.1 | 403.08 | -829.28 | -674.97 | -581.52 |
Total Operating Expenses | 120,155 | 109,050 | 83,271 | 60,793 | 50,413 | 57,958 |
Operating Income | 11,236 | 9,576 | 7,501 | 4,145 | 4,676 | 4,929 |
Interest Expense | -126.57 | -92.18 | -82.67 | -13.13 | -10.71 | -12.07 |
Currency Exchange Gain (Loss) | 1.21 | -1.6 | 7.2 | -28.95 | 2.25 | 12.89 |
Other Non Operating Income (Expenses) | 654.5 | 654.5 | 696.37 | 5.78 | - | - |
EBT Excluding Unusual Items | 11,765 | 10,137 | 8,122 | 4,109 | 4,667 | 4,930 |
Impairment of Goodwill | -1,690 | -1,690 | -363.19 | -1,969 | - | - |
Gain (Loss) on Sale of Assets | 146.91 | 311.76 | 321.94 | 122.71 | 82.2 | 43.11 |
Asset Writedown | 269.72 | 269.72 | 170.18 | 449.53 | 78.42 | 170.14 |
Other Unusual Items | 33.55 | 34.23 | 21.38 | 12.48 | 12.5 | 9.67 |
Pretax Income | 10,526 | 9,063 | 8,272 | 2,725 | 4,841 | 5,153 |
Income Tax Expense | 4,376 | 3,847 | 4,110 | 1,599 | 1,609 | 1,786 |
Earnings From Continuing Ops. | 6,149 | 5,216 | 4,162 | 1,126 | 3,232 | 3,367 |
Minority Interest in Earnings | -1,303 | -1,433 | -889.73 | -704.34 | -626.25 | -944.75 |
Net Income | 4,846 | 3,783 | 3,273 | 421.47 | 2,606 | 2,422 |
Net Income to Common | 4,846 | 3,783 | 3,273 | 421.47 | 2,606 | 2,422 |
Net Income Growth | -4.28% | 15.58% | 676.51% | -83.83% | 7.57% | -4.91% |
Shares Outstanding (Basic) | 200 | 200 | 200 | 200 | 200 | 200 |
Shares Outstanding (Diluted) | 200 | 200 | 200 | 200 | 200 | 200 |
EPS (Basic) | 24.23 | 18.91 | 16.36 | 2.11 | 13.03 | 12.11 |
EPS (Diluted) | 24.23 | 18.91 | 16.36 | 2.11 | 13.03 | 12.11 |
EPS Growth | -4.28% | 15.58% | 676.51% | -83.83% | 7.57% | -4.91% |
Free Cash Flow | -15,634 | -14,896 | -7,519 | 3,661 | 1,054 | 6,631 |
Free Cash Flow Per Share | -78.17 | -74.48 | -37.59 | 18.30 | 5.27 | 33.16 |
Dividend Per Share | 10.000 | 10.000 | 10.000 | 10.000 | 10.000 | 10.000 |
Operating Margin | 8.55% | 8.07% | 8.26% | 6.38% | 8.49% | 7.84% |
Profit Margin | 3.69% | 3.19% | 3.60% | 0.65% | 4.73% | 3.85% |
Free Cash Flow Margin | -11.90% | -12.56% | -8.28% | 5.64% | 1.91% | 10.54% |
EBITDA | 12,582 | 11,063 | 8,786 | 5,312 | 5,893 | 5,704 |
EBITDA Margin | 9.58% | 9.33% | 9.68% | 8.18% | 10.70% | 9.07% |
D&A For EBITDA | 1,346 | 1,486 | 1,285 | 1,167 | 1,217 | 774.1 |
EBIT | 11,236 | 9,576 | 7,501 | 4,145 | 4,676 | 4,929 |
EBIT Margin | 8.55% | 8.07% | 8.26% | 6.38% | 8.49% | 7.84% |
Effective Tax Rate | 41.58% | 42.45% | 49.68% | 58.68% | 33.23% | 34.66% |
Source: S&P Global Market Intelligence. Insurance template. Financial Sources.