EFU General Insurance Limited (PSX:EFUG)
124.59
+0.28 (0.23%)
At close: Sep 30, 2025
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 | 2015 - 2019 |
---|---|---|---|---|---|---|---|
Period Ending | Jun '25 Jun 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 | 2015 - 2019 |
Premiums & Annuity Revenue | 60,836 | 53,904 | 48,750 | 48,721 | 46,118 | 40,234 | Upgrade |
Total Interest & Dividend Income | 37,595 | 41,540 | 35,036 | 20,993 | 13,335 | 12,992 | Upgrade |
Gain (Loss) on Sale of Investments | 17,530 | 22,629 | 6,368 | -5,028 | -4,507 | 9,518 | Upgrade |
Other Revenue | 388.19 | 552.96 | 617.48 | 251.3 | 143.25 | 143.59 | Upgrade |
116,349 | 118,626 | 90,771 | 64,938 | 55,089 | 62,888 | Upgrade | |
Revenue Growth (YoY) | 10.51% | 30.69% | 39.78% | 17.88% | -12.40% | 32.95% | Upgrade |
Policy Benefits | 85,989 | 89,915 | 66,177 | 45,284 | 35,725 | 45,840 | Upgrade |
Policy Acquisition & Underwriting Costs | 12,386 | 10,362 | 9,335 | 9,805 | 9,480 | 7,625 | Upgrade |
Selling, General & Administrative | 8,420 | 8,404 | 7,356 | 6,534 | 5,883 | 5,075 | Upgrade |
Other Operating Expenses | 385.52 | 368.1 | 403.08 | -829.28 | -674.97 | -581.52 | Upgrade |
Total Operating Expenses | 107,180 | 109,050 | 83,271 | 60,793 | 50,413 | 57,958 | Upgrade |
Operating Income | 9,169 | 9,576 | 7,501 | 4,145 | 4,676 | 4,929 | Upgrade |
Interest Expense | -116.44 | -92.18 | -82.67 | -13.13 | -10.71 | -12.07 | Upgrade |
Currency Exchange Gain (Loss) | 0.78 | -1.6 | 7.2 | -28.95 | 2.25 | 12.89 | Upgrade |
Other Non Operating Income (Expenses) | 654.5 | 654.5 | 696.37 | 5.78 | - | - | Upgrade |
EBT Excluding Unusual Items | 9,708 | 10,137 | 8,122 | 4,109 | 4,667 | 4,930 | Upgrade |
Impairment of Goodwill | -1,690 | -1,690 | -363.19 | -1,969 | - | - | Upgrade |
Gain (Loss) on Sale of Assets | 245.82 | 311.76 | 321.94 | 122.71 | 82.2 | 43.11 | Upgrade |
Asset Writedown | 269.72 | 269.72 | 170.18 | 449.53 | 78.42 | 170.14 | Upgrade |
Other Unusual Items | 36.34 | 34.23 | 21.38 | 12.48 | 12.5 | 9.67 | Upgrade |
Pretax Income | 8,570 | 9,063 | 8,272 | 2,725 | 4,841 | 5,153 | Upgrade |
Income Tax Expense | 3,608 | 3,847 | 4,110 | 1,599 | 1,609 | 1,786 | Upgrade |
Earnings From Continuing Ops. | 4,962 | 5,216 | 4,162 | 1,126 | 3,232 | 3,367 | Upgrade |
Minority Interest in Earnings | -1,245 | -1,433 | -889.73 | -704.34 | -626.25 | -944.75 | Upgrade |
Net Income | 3,717 | 3,783 | 3,273 | 421.47 | 2,606 | 2,422 | Upgrade |
Net Income to Common | 3,717 | 3,783 | 3,273 | 421.47 | 2,606 | 2,422 | Upgrade |
Net Income Growth | -31.54% | 15.58% | 676.51% | -83.83% | 7.57% | -4.91% | Upgrade |
Shares Outstanding (Basic) | 200 | 200 | 200 | 200 | 200 | 200 | Upgrade |
Shares Outstanding (Diluted) | 200 | 200 | 200 | 200 | 200 | 200 | Upgrade |
EPS (Basic) | 18.58 | 18.91 | 16.36 | 2.11 | 13.03 | 12.11 | Upgrade |
EPS (Diluted) | 18.58 | 18.91 | 16.36 | 2.11 | 13.03 | 12.11 | Upgrade |
EPS Growth | -31.54% | 15.58% | 676.51% | -83.83% | 7.57% | -4.91% | Upgrade |
Free Cash Flow | -14,386 | -14,896 | -7,519 | 3,661 | 1,054 | 6,631 | Upgrade |
Free Cash Flow Per Share | -71.93 | -74.48 | -37.59 | 18.30 | 5.27 | 33.16 | Upgrade |
Dividend Per Share | 10.000 | 10.000 | 10.000 | 10.000 | 10.000 | 10.000 | Upgrade |
Operating Margin | 7.88% | 8.07% | 8.26% | 6.38% | 8.49% | 7.84% | Upgrade |
Profit Margin | 3.19% | 3.19% | 3.60% | 0.65% | 4.73% | 3.85% | Upgrade |
Free Cash Flow Margin | -12.36% | -12.56% | -8.28% | 5.64% | 1.91% | 10.54% | Upgrade |
EBITDA | 10,610 | 11,063 | 8,786 | 5,312 | 5,893 | 5,704 | Upgrade |
EBITDA Margin | 9.12% | 9.33% | 9.68% | 8.18% | 10.70% | 9.07% | Upgrade |
D&A For EBITDA | 1,441 | 1,486 | 1,285 | 1,167 | 1,217 | 774.1 | Upgrade |
EBIT | 9,169 | 9,576 | 7,501 | 4,145 | 4,676 | 4,929 | Upgrade |
EBIT Margin | 7.88% | 8.07% | 8.26% | 6.38% | 8.49% | 7.84% | Upgrade |
Effective Tax Rate | 42.10% | 42.45% | 49.68% | 58.68% | 33.23% | 34.66% | Upgrade |
Source: S&P Global Market Intelligence. Insurance template. Financial Sources.