EFU General Insurance Limited (PSX:EFUG)
Pakistan · Delayed Price · Currency is PKR 124.99
+1.99 (1.62%)
At close: Nov 2, 2026
EFU General Insurance Cash Flow Statement
Financials in millions PKR. Fiscal year is January - December.
Millions PKR. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 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 |
Net Income | 4,830 | 5,648 | 3,781 | 3,273 | 421.47 | 2,606 |
Depreciation & Amortization | 1,528 | 1,488 | 1,753 | 1,483 | 1,362 | 1,398 |
Other Amortization | 124.09 | 124.09 | 89.48 | 20.65 | 14.96 | 20.87 |
Gain (Loss) on Sale of Assets | -155.6 | -207.35 | -311.76 | -314.99 | -98.98 | -82.2 |
Gain (Loss) on Sale of Investments | 1,108 | -24,529 | -23,510 | -6,613 | 4,117 | 3,768 |
Change in Other Net Operating Assets | 14,903 | 34,704 | 44,915 | 32,085 | 17,746 | 7,111 |
Other Operating Activities | -31,463 | -32,447 | -40,400 | -36,249 | -20,712 | -12,907 |
Operating Cash Flow | -9,126 | -15,219 | -13,683 | -6,123 | 4,369 | 1,836 |
Operating Cash Flow Growth | - | - | - | - | 138.01% | -74.58% |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 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 |
Capital Expenditures | -1,237 | -1,223 | -1,213 | -1,395 | -708.4 | -782.1 |
Sale of Property, Plant & Equipment | 262.38 | 296.83 | 401.55 | 344.09 | 155.24 | 122.76 |
Investment in Securities | -21,614 | -8,838 | -33,609 | -31,685 | -30,738 | -7,302 |
Other Investing Activities | 31,747 | 31,774 | 43,028 | 36,197 | 20,347 | 13,567 |
Investing Cash Flow | 9,158 | 22,009 | 8,607 | 3,460 | -10,945 | 5,606 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 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 |
Total Debt Repaid | -318.84 | -317.87 | -274.07 | -243.35 | -232.97 | -211.67 |
Lease Payments | -318.84 | -317.87 | -274.07 | -243.35 | -232.97 | -211.67 |
Net Debt Issued (Repaid) | -318.84 | -317.87 | -274.07 | -243.35 | -232.97 | -211.67 |
Common Dividends Paid | -2,802 | -2,812 | -2,771 | -2,772 | -2,745 | -2,782 |
Financing Cash Flow | -3,121 | -3,130 | -3,045 | -3,016 | -2,978 | -2,994 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 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 |
Net Cash Flow | -3,089 | 3,660 | -8,120 | -5,678 | -9,554 | 4,448 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 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 |
Free Cash Flow | -10,363 | -16,442 | -14,896 | -7,519 | 3,661 | 1,054 |
Free Cash Flow Growth | - | - | - | - | 247.45% | -84.11% |
Free Cash Flow Margin | -9.89% | -13.30% | -12.55% | -8.28% | 5.64% | 1.91% |
Free Cash Flow Per Share | -51.82 | -82.21 | -74.48 | -37.59 | 18.30 | 5.27 |
Levered Free Cash Flow | 181,884 | 10,238 | -17,676 | -20,091 | 26,022 | -6,440 |
Unlevered Free Cash Flow | 181,992 | 10,336 | -17,618 | -20,040 | 26,030 | -6,434 |
Free Cash Flow After Leases | -10,682 | -16,760 | -15,170 | -7,762 | 3,428 | 841.91 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 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 Income Tax Paid | 4,958 | 4,958 | 4,544 | - | 1,791 | 2,144 |
Change in Working Capital | 14,903 | 34,704 | 44,915 | 32,085 | 17,746 | 7,111 |