EFU General Insurance Limited (PSX:EFUG)
Pakistan · Delayed Price · Currency is PKR 126.67
-3.02 (-2.33%)
At close: Sep 11, 2026
EFU General Insurance Financials Overview
Financials in millions PKR. Fiscal year is January - December.
Millions PKR. Fiscal year is Jan - Dec.
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Revenue Revenue Growth | 125,057 | 123,598 | 118,735 | 90,771 | 64,938 | 55,089 |
Revenue Growth | 7.53% | 4.10% | 30.81% | 39.78% | 17.88% | -12.40% |
Operating Income Operating Income Growth | 11,685 | 11,583 | 9,572 | 7,501 | 4,145 | 4,676 |
Net Income Net Income Growth | 5,836 | 5,648 | 3,781 | 3,273 | 421.47 | 2,606 |
Earnings Per Share EPS Growth | 29.18 | 28.24 | 18.91 | 16.36 | 2.11 | 13.03 |
EPS Growth | 57.07% | 49.36% | 15.54% | 676.51% | -83.83% | 7.57% |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
General Insurance - Fire and Property Damage General Insurance - Fire and Property Damage Growth | 7,119 | 7,169 | 7,067 | 5,302 | 3,573 | 3,759 |
General Insurance - Marine, Aviation & Transport General Insurance - Marine, Aviation & Transport Growth | 2,333 | 2,248 | 2,123 | 1,985 | 1,867 | 1,629 |
General Insurance - Motor General Insurance - Motor Growth | 3,858 | 3,745 | 4,013 | 3,875 | 3,610 | 3,316 |
General Insurance - Miscellaneous General Insurance - Miscellaneous Growth | 1,439 | 1,303 | 1,308 | 1,198 | 1,214 | 1,076 |
Life Assurance - Statutory Funds Life Assurance - Statutory Funds Growth | 104,399 | 103,231 | 101,279 | 75,816 | 53,014 | 43,833 |
Unallocated Net Investment Income Unallocated Net Investment Income Growth | 4,805 | 4,747 | 2,416 | 2,144 | 1,236 | 1,262 |
Unallocated Other Income Unallocated Other Income Growth | 374.18 | 405.8 | 584.46 | 677.98 | 241.28 | 122.6 |
Unallocated Rental Income Unallocated Rental Income Growth | 146.14 | 138.74 | 128.9 | 125.29 | 124.71 | 122.19 |
Total Total Growth | 124,408 | 122,988 | 118,919 | 91,122 | 64,880 | 55,119 |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash & Investments Cash & Investments Growth | 8,492 | 8,785 | 7,815 | 7,405 | 6,198 | 5,854 |
Total Debt Total Debt Growth | 1,178 | 1,226 | 732.85 | 790.18 | 784.86 | 788.91 |
Net Cash (Debt) Net Cash Growth | 7,314 | 7,559 | 7,082 | 6,615 | 5,413 | 5,065 |
Net Cash Growth | -13.80% | 6.73% | 7.05% | 22.21% | 6.88% | -16.43% |
Net Cash Per Share Net Cash Per Share Growth | 36.57 | 37.79 | 35.41 | 33.08 | 27.06 | 25.32 |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Operating Cash Flow Operating Cash Flow Growth | -13,042 | -15,219 | -13,683 | -6,123 | 4,369 | 1,836 |
Capital Expenditures CapEx Growth | -1,311 | -1,223 | -1,213 | -1,395 | -708.4 | -782.1 |
Free Cash Flow Free Cash Flow Growth | -14,352 | -16,442 | -14,896 | -7,519 | 3,661 | 1,054 |
Free Cash Flow Growth | - | - | - | - | 247.45% | -84.11% |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Operating Margin | 9.34% | 9.37% | 8.06% | 8.26% | 6.38% | 8.49% |
Pretax Margin | 9.36% | 9.42% | 7.63% | 9.11% | 4.20% | 8.79% |
Profit Margin | 4.67% | 4.57% | 3.19% | 3.60% | 0.65% | 4.73% |
FCF Margin | -11.48% | -13.30% | -12.55% | -8.28% | 5.64% | 1.91% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 12, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Dividend Per Share Dividend Per Share Growth | 10.000 | 10.000 | 10.000 | 10.000 | 10.000 | 10.000 |
Dividend Per Share Growth | 0% | 0% | 0% | 0% | 0% | 0% |
Dividend Yield | 7.71% | 8.83% | 9.99% | 15.28% | 15.73% | 15.31% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 12, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
PE Ratio | 4.34 | 4.29 | 6.14 | 5.19 | 43.89 | 8.06 |
Forward PE | - | 11.60 | 11.60 | 11.60 | 11.60 | 11.60 |
P/FCF Ratio | - | - | - | - | 5.05 | 19.93 |
PS Ratio | 0.20 | 0.20 | 0.20 | 0.19 | 0.28 | 0.38 |