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 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	May 1, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	23,784	23,206	17,000	18,500	21,000	24,000
Market Cap Growth	36.51%	36.51%	-8.11%	-11.91%	-12.50%	8.79%
Enterprise Value	22,695	23,139	13,948	14,094	17,811	22,337
PE Ratio	6.29	6.14	5.19	43.89	8.06	9.91
PS Ratio	0.20	0.20	0.19	0.28	0.38	0.38
PB Ratio	0.77	0.75	0.66	0.78	0.81	0.92
P/FCF Ratio	-	-	-	5.05	19.93	3.62
P/OCF Ratio	-	-	-	4.23	11.44	3.32
EV/Sales Ratio	0.19	0.20	0.15	0.22	0.32	0.36
EV/EBITDA Ratio	2.00	2.09	1.59	2.65	3.02	3.92
EV/EBIT Ratio	2.37	2.42	1.86	3.40	3.81	4.53
EV/FCF Ratio	-1.52	-	-	3.85	16.91	3.37
Debt / Equity Ratio	0.02	0.02	0.03	0.03	0.03	0.02
Debt / EBITDA Ratio	0.06	0.06	0.09	0.14	0.13	0.10
Debt / FCF Ratio	-	-	-	0.21	0.75	0.09
Quick Ratio	3.34	3.34	3.05	3.07	4.70	4.67
Current Ratio	3.78	3.78	3.52	3.54	5.10	5.06
Asset Turnover	0.39	0.39	0.36	0.29	0.27	0.34
Return on Equity (ROE)	18.43%	18.43%	16.88%	4.55%	12.45%	13.24%
Return on Assets (ROA)	1.98%	1.98%	1.84%	1.16%	1.42%	1.64%
Return on Capital (ROIC)	20.60%	20.60%	18.42%	10.15%	10.96%	11.85%
Earnings Yield	15.90%	16.30%	19.25%	2.28%	12.41%	10.09%
Earnings Yield	15.90%	16.30%	19.25%	2.28%	12.41%	10.09%
FCF Yield	-62.63%	-64.19%	-44.23%	19.79%	5.02%	27.63%
Dividend Yield	8.41%	9.00%	13.76%	14.17%	13.79%	13.18%
Payout Ratio	73.25%	73.25%	84.70%	651.37%	106.76%	115.67%
Total Shareholder Return	8.41%	9.00%	13.76%	14.17%	13.79%	13.18%

Source: S&P Global Market Intelligence. Insurance template. Financial Sources.