EFU General Insurance Limited (PSX:EFUG)

EFU General Insurance Statistics

Total Valuation

PSX:EFUG has a market cap or net worth of PKR 24.74 billion. The enterprise value is 21.82 billion.

Market Cap	24.74B
Enterprise Value	21.82B

Important Dates

The next estimated earnings date is Tuesday, October 28, 2025.

Earnings Date	Oct 28, 2025
Ex-Dividend Date	Sep 2, 2025

Share Statistics

PSX:EFUG has 200.00 million shares outstanding.

Current Share Class	200.00M
Shares Outstanding	200.00M
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	27.03%
Owned by Institutions (%)	12.33%
Float	73.39M

Valuation Ratios

The trailing PE ratio is 6.66.

PE Ratio	6.66
Forward PE	n/a
PS Ratio	0.21
PB Ratio	0.78
P/TBV Ratio	1.08
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 2.01, with an EV/FCF ratio of -1.52.

EV / Earnings	5.87
EV / Sales	0.19
EV / EBITDA	2.01
EV / EBIT	2.38
EV / FCF	-1.52

Financial Position

The company has a current ratio of 3.73, with a Debt / Equity ratio of 0.03.

Current Ratio	3.73
Quick Ratio	3.29
Debt / Equity	0.03
Debt / EBITDA	0.10
Debt / FCF	-0.07
Interest Coverage	78.75

Financial Efficiency

Return on equity (ROE) is 16.52% and return on invested capital (ROIC) is 18.52%.

Return on Equity (ROE)	16.52%
Return on Assets (ROA)	1.78%
Return on Invested Capital (ROIC)	18.52%
Return on Capital Employed (ROCE)	3.23%
Revenue Per Employee	31.85M
Profits Per Employee	1.02M
Employee Count	3,653
Asset Turnover	0.36
Inventory Turnover	n/a

Taxes

In the past 12 months, PSX:EFUG has paid 3.61 billion in taxes.

Income Tax	3.61B
Effective Tax Rate	42.10%

Stock Price Statistics

The stock price has increased by +36.83% in the last 52 weeks. The beta is -0.11, so PSX:EFUG's price volatility has been lower than the market average.

Beta (5Y)	-0.11
52-Week Price Change	+36.83%
50-Day Moving Average	125.18
200-Day Moving Average	122.19
Relative Strength Index (RSI)	45.86
Average Volume (20 Days)	9,746

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, PSX:EFUG had revenue of PKR 116.35 billion and earned 3.72 billion in profits. Earnings per share was 18.58.

Revenue	116.35B
Gross Profit	17.45B
Operating Income	9.17B
Pretax Income	8.57B
Net Income	3.72B
EBITDA	10.61B
EBIT	9.17B
Earnings Per Share (EPS)	18.58

Balance Sheet

The company has 196.81 billion in cash and 1.04 billion in debt, giving a net cash position of 8.45 billion or 42.23 per share.

Cash & Cash Equivalents	196.81B
Total Debt	1.04B
Net Cash	8.45B
Net Cash Per Share	42.23
Equity (Book Value)	31.80B
Book Value Per Share	131.39
Working Capital	176.83B

Cash Flow

In the last 12 months, operating cash flow was -13.37 billion and capital expenditures -1.01 billion, giving a free cash flow of -14.39 billion.

Operating Cash Flow	-13.37B
Capital Expenditures	-1.01B
Free Cash Flow	-14.39B
FCF Per Share	-71.93

Margins

Gross margin is 15.00%, with operating and profit margins of 7.88% and 3.19%.

Gross Margin	15.00%
Operating Margin	7.88%
Pretax Margin	7.37%
Profit Margin	3.19%
EBITDA Margin	9.12%
EBIT Margin	7.88%
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 10.00, which amounts to a dividend yield of 8.17%.

Dividend Per Share	10.00
Dividend Yield	8.17%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	75.71%
Buyback Yield	n/a
Shareholder Yield	8.15%
Earnings Yield	15.02%
FCF Yield	-58.14%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on March 25, 2016. It was a forward split with a ratio of 1.25.

Last Split Date	Mar 25, 2016
Split Type	Forward
Split Ratio	1.25

Scores

Altman Z-Score	n/a
Piotroski F-Score	2