EFU General Insurance Limited (PSX:EFUG)
Pakistan flag Pakistan · Delayed Price · Currency is PKR
124.59
+0.28 (0.23%)
At close: Sep 30, 2025

EFU General Insurance Income Statement

Millions PKR. Fiscal year is Jan - Dec.
Fiscal Year
TTMFY 2024FY 2023FY 2022FY 2021FY 20202015 - 2019
Period Ending
Jun '25 Dec '24 Dec '23 Dec '22 Dec '21 Dec '20 2015 - 2019
Premiums & Annuity Revenue
60,83653,90448,75048,72146,11840,234
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Total Interest & Dividend Income
37,59541,54035,03620,99313,33512,992
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Gain (Loss) on Sale of Investments
17,53022,6296,368-5,028-4,5079,518
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Other Revenue
388.19552.96617.48251.3143.25143.59
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116,349118,62690,77164,93855,08962,888
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Revenue Growth (YoY)
10.51%30.69%39.78%17.88%-12.40%32.95%
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Policy Benefits
85,98989,91566,17745,28435,72545,840
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Policy Acquisition & Underwriting Costs
12,38610,3629,3359,8059,4807,625
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Selling, General & Administrative
8,4208,4047,3566,5345,8835,075
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Other Operating Expenses
385.52368.1403.08-829.28-674.97-581.52
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Total Operating Expenses
107,180109,05083,27160,79350,41357,958
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Operating Income
9,1699,5767,5014,1454,6764,929
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Interest Expense
-116.44-92.18-82.67-13.13-10.71-12.07
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Currency Exchange Gain (Loss)
0.78-1.67.2-28.952.2512.89
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Other Non Operating Income (Expenses)
654.5654.5696.375.78--
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EBT Excluding Unusual Items
9,70810,1378,1224,1094,6674,930
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Impairment of Goodwill
-1,690-1,690-363.19-1,969--
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Gain (Loss) on Sale of Assets
245.82311.76321.94122.7182.243.11
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Asset Writedown
269.72269.72170.18449.5378.42170.14
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Other Unusual Items
36.3434.2321.3812.4812.59.67
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Pretax Income
8,5709,0638,2722,7254,8415,153
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Income Tax Expense
3,6083,8474,1101,5991,6091,786
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Earnings From Continuing Ops.
4,9625,2164,1621,1263,2323,367
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Minority Interest in Earnings
-1,245-1,433-889.73-704.34-626.25-944.75
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Net Income
3,7173,7833,273421.472,6062,422
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Net Income to Common
3,7173,7833,273421.472,6062,422
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Net Income Growth
-31.54%15.58%676.51%-83.83%7.57%-4.91%
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Shares Outstanding (Basic)
200200200200200200
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Shares Outstanding (Diluted)
200200200200200200
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EPS (Basic)
18.5818.9116.362.1113.0312.11
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EPS (Diluted)
18.5818.9116.362.1113.0312.11
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EPS Growth
-31.54%15.58%676.51%-83.83%7.57%-4.91%
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Free Cash Flow
-14,386-14,896-7,5193,6611,0546,631
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Free Cash Flow Per Share
-71.93-74.48-37.5918.305.2733.16
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Dividend Per Share
10.00010.00010.00010.00010.00010.000
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Operating Margin
7.88%8.07%8.26%6.38%8.49%7.84%
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Profit Margin
3.19%3.19%3.60%0.65%4.73%3.85%
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Free Cash Flow Margin
-12.36%-12.56%-8.28%5.64%1.91%10.54%
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EBITDA
10,61011,0638,7865,3125,8935,704
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EBITDA Margin
9.12%9.33%9.68%8.18%10.70%9.07%
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D&A For EBITDA
1,4411,4861,2851,1671,217774.1
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EBIT
9,1699,5767,5014,1454,6764,929
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EBIT Margin
7.88%8.07%8.26%6.38%8.49%7.84%
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Effective Tax Rate
42.10%42.45%49.68%58.68%33.23%34.66%
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Source: S&P Global Market Intelligence. Insurance template. Financial Sources.