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	Oct 10, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Market Capitalization	17,236	17,000	18,500	21,000	24,000	22,060
Market Cap Growth	-0.93%	-8.11%	-11.90%	-12.50%	8.79%	10.30%
Enterprise Value	18,639	13,948	14,094	17,811	22,337	21,014
PE Ratio	3.17	4.71	35.52	5.90	6.65	5.24
PS Ratio	0.16	0.19	0.28	0.38	0.38	0.47
PB Ratio	0.74	0.66	0.78	0.81	0.92	0.89
P/FCF Ratio	-1.42	-2.26	5.05	19.93	3.62	2.84
P/OCF Ratio	-1.63	-2.78	4.23	11.44	3.32	2.52
EV/Sales Ratio	0.18	0.15	0.22	0.32	0.36	0.44
EV/EBITDA Ratio	1.50	1.51	2.65	3.02	3.92	3.77
EV/EBIT Ratio	1.73	1.76	3.40	3.81	4.53	4.36
EV/FCF Ratio	-1.55	-1.86	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	0.06	0.08	0.14	0.13	0.10	0.09
Debt / FCF Ratio	-0.06	-0.11	0.21	0.75	0.09	0.07
Quick Ratio	3.62	3.12	3.07	4.69	4.67	3.98
Current Ratio	4.06	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)	26.91%	16.88%	4.55%	12.45%	13.24%	13.55%
Return on Assets (ROA)	2.46%	1.94%	1.16%	1.42%	1.64%	1.81%
Return on Capital (ROIC)	26.01%	19.51%	10.15%	10.96%	11.85%	11.98%
Earnings Yield	31.50%	19.26%	2.28%	12.41%	10.09%	11.55%
FCF Yield	-69.75%	-44.23%	19.79%	5.02%	27.63%	35.23%
Dividend Yield	11.60%	12.98%	13.36%	13.01%	12.42%	14.98%
Payout Ratio	50.82%	84.68%	651.37%	106.76%	115.67%	117.04%
Total Shareholder Return	11.60%	12.98%	13.36%	13.01%	12.42%	14.98%

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