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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Apr 10, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	25,006	24,220	23,206	17,000	18,500	21,000
Market Cap Growth	-4.06%	4.37%	36.51%	-8.11%	-11.91%	-12.50%
Enterprise Value	23,477	21,701	23,139	13,948	14,094	17,811
PE Ratio	4.43	4.29	6.14	5.19	43.89	8.06
PS Ratio	0.20	0.20	0.20	0.19	0.28	0.38
PB Ratio	0.72	0.70	0.75	0.66	0.78	0.81
P/FCF Ratio	-	-	-	-	5.05	19.93
P/OCF Ratio	-	-	-	-	4.23	11.44
EV/Sales Ratio	0.19	0.18	0.20	0.15	0.22	0.32
EV/EBITDA Ratio	1.80	1.67	2.05	1.59	2.65	3.02
EV/EBIT Ratio	2.03	1.87	2.42	1.86	3.40	3.81
EV/FCF Ratio	-1.43	-	-	-	3.85	16.91
Debt / Equity Ratio	0.04	0.04	0.02	0.03	0.03	0.03
Debt / EBITDA Ratio	0.09	0.09	0.06	0.09	0.14	0.13
Debt / FCF Ratio	-	-	-	-	0.21	0.75
Net Debt / Equity Ratio	-0.22	-0.22	-0.23	-0.26	-0.23	-0.20
Net Debt / EBITDA Ratio	-0.58	-0.58	-0.63	-0.75	-1.02	-0.86
Net Debt / FCF Ratio	0.46	0.46	0.48	0.88	-1.48	-4.81
Quick Ratio	3.08	3.08	3.33	3.05	3.07	4.70
Current Ratio	3.57	3.57	3.79	3.52	3.54	5.10
Asset Turnover	0.35	0.35	0.39	0.36	0.29	0.27
Return on Equity (ROE)	20.79%	20.79%	18.42%	16.88%	4.55%	12.45%
Return on Assets (ROA)	2.02%	2.02%	1.96%	1.84%	1.16%	1.42%
Return on Invested Capital (ROIC)	19.12%	20.09%	18.96%	14.83%	6.71%	11.71%
Earnings Yield	22.59%	23.32%	16.30%	19.25%	2.28%	12.41%
FCF Yield	-65.75%	-67.89%	-64.19%	-44.23%	19.79%	5.02%
Dividend Yield	7.99%	8.63%	9.75%	14.92%	15.36%	14.95%
Payout Ratio	49.79%	49.79%	73.28%	84.70%	651.37%	106.76%
Total Shareholder Return	7.99%	8.63%	9.75%	14.92%	15.36%	14.95%

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