EFU General Insurance Limited (PSX:EFUG)
Pakistan · Delayed Price · Currency is PKR 126.67
-3.02 (-2.33%)
At close: Sep 11, 2026
EFU General Insurance Ratios and Metrics
Market cap in millions PKR. Fiscal year is January - December.
Millions PKR. Fiscal year is Jan - Dec.
Total Valuation
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 10, 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 |
| 25,334 | 24,220 | 23,206 | 17,000 | 18,500 | 21,000 | |
Market Cap Growth | 2.15% | 4.37% | 36.51% | -8.11% | -11.91% | -12.50% |
Enterprise Value | 23,993 | 21,701 | 23,139 | 13,948 | 14,094 | 17,811 |
Price Ratios
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 10, 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 |
PE Ratio | 4.34 | 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 | 0.71 | 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 Ratios
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 10, 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 |
EV/Sales Ratio | 0.19 | 0.18 | 0.20 | 0.15 | 0.22 | 0.32 |
EV/EBITDA Ratio | 1.82 | 1.67 | 2.05 | 1.59 | 2.65 | 3.02 |
EV/EBIT Ratio | 2.05 | 1.87 | 2.42 | 1.86 | 3.40 | 3.81 |
EV/FCF Ratio | - | - | - | - | 3.85 | 16.91 |
Financial Efficiency
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 10, 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 |
Debt / Equity Ratio | 0.03 | 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 | -0.20 | -0.22 | -0.23 | -0.26 | -0.23 | -0.20 |
Net Debt / EBITDA Ratio | -0.56 | -0.58 | -0.63 | -0.75 | -1.02 | -0.86 |
Net Debt / FCF Ratio | 0.51 | 0.46 | 0.48 | 0.88 | -1.48 | -4.81 |
Quick Ratio | 4.40 | 3.08 | 3.33 | 3.05 | 3.07 | 4.70 |
Current Ratio | 4.84 | 3.57 | 3.79 | 3.52 | 3.54 | 5.10 |
Asset Turnover | 0.34 | 0.35 | 0.39 | 0.36 | 0.29 | 0.27 |
Return on Equity (ROE) | 20.91% | 20.79% | 18.42% | 16.88% | 4.55% | 12.45% |
Return on Assets (ROA) | 1.99% | 2.02% | 1.96% | 1.84% | 1.16% | 1.42% |
Return on Invested Capital (ROIC) | 19.93% | 20.09% | 18.96% | 14.83% | 6.71% | 11.71% |
Yields
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 10, 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 |
Earnings Yield | 23.04% | 23.32% | 16.30% | 19.25% | 2.28% | 12.41% |
FCF Yield | -56.65% | -67.89% | -64.19% | -44.23% | 19.79% | 5.02% |
Dividend Yield | 7.71% | 8.83% | 9.99% | 15.28% | 15.73% | 15.31% |
Payout Ratio | 48.04% | 49.79% | 73.28% | 84.70% | 651.37% | 106.76% |
Total Shareholder Return | 7.71% | 8.83% | 9.99% | 15.28% | 15.73% | 15.31% |