EFU General Insurance Limited (PSX:EFUG)

EFU General Insurance Balance Sheet

Financials in millions PKR. Fiscal year is January - December.

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Investments in Debt Securities	213,789	31,589	33,508	24,476	21,827	17,717
Investments in Equity & Preferred Securities	81,484	85,379	52,375	25,880	20,305	4,033
Other Investments	15,947	18,372	7,697	11,111	14,965	25,051
Total Investments	314,968	312,243	274,179	216,211	183,578	167,696
Cash & Equivalents	7,164	8,785	7,815	7,405	6,198	5,854
Reinsurance Recoverable	8,468	9,199	9,129	7,068	6,848	4,279
Other Receivables	22,927	18,269	15,354	14,454	11,548	9,477
Property, Plant & Equipment	10,137	10,577	9,889	9,673	9,208	8,653
Goodwill	-	2,280	3,166	4,856	5,189	7,157
Other Intangible Assets	2,400	228.36	389.65	742.61	862.58	1,259
Restricted Cash	-	39	39	26	45	45
Other Current Assets	12,689	17,100	14,335	15,226	10,834	6,773
Long-Term Deferred Tax Assets	-	6.61	-	8.64	5.57	4.37
Long-Term Deferred Charges	-	1,107	779.1	163.57	163.44	149.5
Other Long-Term Assets	13,752	244.4	238.62	328.27	235	235
Total Assets	392,505	380,079	335,312	276,162	234,715	211,582

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accounts Payable	-	115.7	101.51	238.68	-	-
Accrued Expenses	-	5,605	4,730	3,759	3,418	3,326
Insurance & Annuity Liabilities	294,279	16,790	11,408	3,745	3,552	2,220
Unpaid Claims	13,114	23,114	22,312	18,335	15,389	11,345
Unearned Premiums	22,583	23,655	21,000	21,789	15,651	11,828
Reinsurance Payable	10,806	7,640	8,023	9,674	8,048	4,886
Current Portion of Leases	-	74.77	68.01	138.99	182.75	158.55
Long-Term Leases	-	1,152	664.83	651.19	602.11	630.36
Long-Term Deferred Tax Liabilities	3,706	4,941	4,936	3,984	2,933	3,357
Separate Account Liability	-	258,825	228,314	185,931	158,534	145,792
Other Current Liabilities	-	3,133	2,626	2,178	2,636	2,173
Other Long-Term Liabilities	11,863	-	-	-	-	-
Total Liabilities	356,454	345,254	304,363	250,517	211,033	185,795

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	2,000	2,000	2,000	2,000	2,000	2,000
Retained Earnings	3,212	19,376	15,975	14,437	13,120	14,971
Comprehensive Income & Other	24,790	7,419	7,296	4,879	4,283	4,391
Total Common Equity	30,002	28,795	25,272	21,317	19,402	21,363
Minority Interest	6,049	6,030	5,677	4,328	4,280	4,425
Shareholders' Equity	36,051	34,825	30,949	25,644	23,682	25,788
Total Liabilities & Equity	392,505	380,079	335,312	276,162	234,715	211,582

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Filing Date Shares Outstanding	199.77	200	200	200	200	200
Total Common Shares Outstanding	199.77	200	200	200	200	200
Total Debt	-	1,226	732.85	790.18	784.86	788.91
Net Cash (Debt)	7,164	7,559	7,082	6,615	5,413	5,065
Net Cash Growth	-13.58%	6.73%	7.05%	22.21%	6.88%	-16.43%
Net Cash Per Share	35.82	37.79	35.41	33.08	27.06	25.32
Book Value Per Share	150.18	143.98	126.36	106.58	97.01	106.81
Tangible Book Value	27,602	26,287	21,716	15,718	13,351	12,946
Tangible Book Value Per Share	138.16	131.43	108.58	78.59	66.76	64.73
Land	-	3,605	3,512	3,282	2,782	2,722
Buildings	-	5,401	5,160	5,192	5,254	4,520
Machinery	-	5,928	5,230	4,430	3,882	3,632
Construction In Progress	-	18.42	-	-	-	-
Leasehold Improvements	-	487.85	427.91	412.56	396.13	355.99

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 2, 2026

Data Sources Report a data error