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 Income Statement
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 | 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 |
Premiums & Annuity Revenue | 75,708 | 67,014 | 54,013 | 48,750 | 48,721 | 46,118 |
Total Interest & Dividend Income | 28,569 | 31,546 | 41,540 | 35,036 | 20,993 | 13,335 |
Gain (Loss) on Sale of Investments | 155.11 | 24,722 | 22,629 | 6,368 | -5,028 | -4,507 |
Other Revenue | 363.9 | 316.17 | 552.96 | 617.48 | 251.3 | 143.25 |
| 104,795 | 123,598 | 118,735 | 90,771 | 64,938 | 55,089 | |
Revenue Growth | -20.19% | 4.10% | 30.81% | 39.78% | 17.88% | -12.40% |
Policy Benefits | 70,473 | 89,267 | 90,024 | 66,177 | 45,284 | 35,725 |
Policy Acquisition & Underwriting Costs | 15,009 | 13,754 | 10,362 | 9,335 | 9,805 | 9,480 |
Selling, General & Administrative | 9,299 | 8,574 | 8,409 | 7,356 | 6,534 | 5,883 |
Other Operating Expenses | 226.98 | 419.73 | 368.1 | 403.08 | -829.28 | -674.97 |
Total Operating Expenses | 95,008 | 112,015 | 109,163 | 83,271 | 60,793 | 50,413 |
Operating Income | 9,787 | 11,583 | 9,572 | 7,501 | 4,145 | 4,676 |
Interest Expense | -172.12 | -156.97 | -92.18 | -82.67 | -13.13 | -10.71 |
Earnings From Equity Investments | 0.99 | 2.35 | - | - | - | - |
Currency Exchange Gain (Loss) | 5.78 | 5.78 | -1.6 | 7.2 | -28.95 | 2.25 |
Other Non Operating Income (Expenses) | 608.72 | 608.72 | 654.5 | 696.37 | 5.78 | - |
EBT Excluding Unusual Items | 10,231 | 12,043 | 10,133 | 8,122 | 4,109 | 4,667 |
Impairment of Goodwill | -886.07 | -886.07 | -1,690 | -363.19 | -1,969 | - |
Gain (Loss) on Sale of Assets | 207.35 | 207.35 | 311.76 | 321.94 | 122.71 | 82.2 |
Asset Writedown | 269.25 | 269.25 | 269.72 | 170.18 | 449.53 | 78.42 |
Other Unusual Items | 4.95 | 4.95 | 34.23 | 21.38 | 12.48 | 12.5 |
Pretax Income | 9,826 | 11,639 | 9,058 | 8,272 | 2,725 | 4,841 |
Income Tax Expense | 3,884 | 4,800 | 3,845 | 4,110 | 1,599 | 1,609 |
Earnings From Continuing Ops. | 5,942 | 6,838 | 5,213 | 4,162 | 1,126 | 3,232 |
Minority Interest in Earnings | -1,112 | -1,190 | -1,432 | -889.73 | -704.34 | -626.25 |
Net Income | 4,830 | 5,648 | 3,781 | 3,273 | 421.47 | 2,606 |
Net Income to Common | 4,830 | 5,648 | 3,781 | 3,273 | 421.47 | 2,606 |
Net Income Growth | -0.31% | 49.36% | 15.54% | 676.51% | -83.83% | 7.57% |
Shares Outstanding (Basic) | 200 | 200 | 200 | 200 | 200 | 200 |
Shares Outstanding (Diluted) | 200 | 200 | 200 | 200 | 200 | 200 |
Shares Change | -0.01% | - | - | - | - | - |
EPS (Basic) | 24.15 | 28.24 | 18.91 | 16.36 | 2.11 | 13.03 |
EPS (Diluted) | 24.15 | 28.24 | 18.91 | 16.36 | 2.11 | 13.03 |
EPS Growth | -0.31% | 49.36% | 15.54% | 676.51% | -83.83% | 7.57% |
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 |
Free Cash Flow | -10,363 | -16,442 | -14,896 | -7,519 | 3,661 | 1,054 |
Free Cash Flow Per Share | -51.82 | -82.21 | -74.48 | -37.59 | 18.30 | 5.27 |
Dividend Per Share | 5.500 | 10.000 | 10.000 | 10.000 | 10.000 | 10.000 |
Dividend Growth | -45.00% | 0% | 0% | 0% | 0% | 0% |
Operating Margin | 9.34% | 9.37% | 8.06% | 8.26% | 6.38% | 8.49% |
Profit Margin | 4.61% | 4.57% | 3.19% | 3.60% | 0.65% | 4.73% |
Free Cash Flow Margin | -9.89% | -13.30% | -12.55% | -8.28% | 5.64% | 1.91% |
EBITDA | 11,268 | 13,024 | 11,279 | 8,786 | 5,312 | 5,893 |
EBITDA Margin | 10.75% | 10.54% | 9.50% | 9.68% | 8.18% | 10.70% |
D&A For EBITDA | 1,480 | 1,441 | 1,707 | 1,285 | 1,167 | 1,217 |
EBIT | 9,787 | 11,583 | 9,572 | 7,501 | 4,145 | 4,676 |
EBIT Margin | 9.34% | 9.37% | 8.06% | 8.26% | 6.38% | 8.49% |
Effective Tax Rate | 39.53% | 41.25% | 42.45% | 49.68% | 58.68% | 33.23% |