EFU General Insurance Limited (PSX: EFUG)

EFU General Insurance Ratios and Metrics

Market cap in millions PKR. Fiscal year is January - December.

Fiscal Year	Current	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Jan 27, 2025	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Market Capitalization	23,524	17,000	18,500	21,000	24,000	22,060
Market Cap Growth	7.37%	-8.11%	-11.90%	-12.50%	8.79%	10.30%
Enterprise Value	23,457	13,948	14,094	17,811	22,337	21,014
PE Ratio	4.65	5.19	43.89	8.06	9.91	8.66
PS Ratio	0.22	0.19	0.28	0.38	0.38	0.47
PB Ratio	0.98	0.66	0.78	0.81	0.92	0.89
P/FCF Ratio	-	-	5.05	19.93	3.62	2.84
P/OCF Ratio	-	-	4.23	11.44	3.32	2.52
EV/Sales Ratio	0.22	0.15	0.22	0.32	0.36	0.44
EV/EBITDA Ratio	1.97	1.51	2.65	3.02	3.92	3.77
EV/EBIT Ratio	2.31	1.76	3.40	3.81	4.53	4.36
EV/FCF Ratio	-1.71	-	3.85	16.90	3.37	2.70
Debt / Equity Ratio	0.03	0.03	0.03	0.03	0.02	0.02
Debt / EBITDA Ratio	0.07	0.08	0.14	0.13	0.10	0.09
Debt / FCF Ratio	-	-	0.21	0.75	0.09	0.07
Quick Ratio	4.02	3.12	3.07	4.69	4.67	3.98
Current Ratio	4.50	3.60	3.54	5.10	5.06	4.43
Asset Turnover	0.39	0.36	0.29	0.27	0.34	0.28
Return on Equity (ROE)	24.48%	16.88%	4.55%	12.45%	13.24%	13.55%
Return on Assets (ROA)	2.24%	1.94%	1.16%	1.42%	1.64%	1.81%
Return on Capital (ROIC)	23.53%	19.51%	10.15%	10.96%	11.85%	11.98%
Earnings Yield	21.53%	19.26%	2.28%	12.41%	10.09%	11.55%
Earnings Yield	21.53%	19.26%	2.28%	12.41%	10.09%	11.55%
FCF Yield	-58.31%	-44.23%	19.79%	5.02%	27.63%	35.23%
Dividend Yield	8.50%	13.19%	13.57%	13.22%	12.62%	15.22%
Payout Ratio	54.60%	84.68%	651.37%	106.76%	115.67%	117.04%
Total Shareholder Return	8.50%	13.19%	13.57%	13.22%	12.62%	15.22%

Source: S&P Capital IQ. Insurance template. Financial Sources.