EFU General Insurance Limited (PSX:EFUG)

EFU General Insurance Statistics

Total Valuation

PSX:EFUG has a market cap or net worth of PKR 24.81 billion. The enterprise value is 22.29 billion.

Market Cap	24.81B
Enterprise Value	22.29B

Important Dates

The next estimated earnings date is Thursday, February 26, 2026.

Earnings Date	Feb 26, 2026
Ex-Dividend Date	Nov 4, 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)	+0.08%
Owned by Insiders (%)	27.03%
Owned by Institutions (%)	12.33%
Float	73.39M

Valuation Ratios

The trailing PE ratio is 5.12.

PE Ratio	5.12
Forward PE	n/a
PS Ratio	0.19
PB Ratio	0.73
P/TBV Ratio	0.99
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 1.74, with an EV/FCF ratio of -1.43.

EV / Earnings	4.60
EV / Sales	0.17
EV / EBITDA	1.74
EV / EBIT	1.98
EV / FCF	-1.43

Financial Position

The company has a current ratio of 3.46, with a Debt / Equity ratio of 0.03.

Current Ratio	3.46
Quick Ratio	2.98
Debt / Equity	0.03
Debt / EBITDA	0.08
Debt / FCF	-0.06
Interest Coverage	88.77

Financial Efficiency

Return on equity (ROE) is 19.39% and return on invested capital (ROIC) is 21.54%.

Return on Equity (ROE)	19.39%
Return on Assets (ROA)	2.04%
Return on Invested Capital (ROIC)	21.54%
Return on Capital Employed (ROCE)	3.63%
Revenue Per Employee	35.97M
Profits Per Employee	1.33M
Employee Count	3,653
Asset Turnover	0.38
Inventory Turnover	n/a

Taxes

In the past 12 months, PSX:EFUG has paid 4.38 billion in taxes.

Income Tax	4.38B
Effective Tax Rate	41.58%

Stock Price Statistics

The stock price has decreased by -2.23% in the last 52 weeks. The beta is -0.10, so PSX:EFUG's price volatility has been lower than the market average.

Beta (5Y)	-0.10
52-Week Price Change	-2.23%
50-Day Moving Average	124.05
200-Day Moving Average	123.35
Relative Strength Index (RSI)	47.62
Average Volume (20 Days)	2,392

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 131.39 billion and earned 4.85 billion in profits. Earnings per share was 24.23.

Revenue	131.39B
Gross Profit	19.47B
Operating Income	11.24B
Pretax Income	10.53B
Net Income	4.85B
EBITDA	12.58B
EBIT	11.24B
Earnings Per Share (EPS)	24.23

Balance Sheet

The company has 189.92 billion in cash and 995.52 million in debt, giving a net cash position of 8.29 billion or 41.45 per share.

Cash & Cash Equivalents	189.92B
Total Debt	995.52M
Net Cash	8.29B
Net Cash Per Share	41.45
Equity (Book Value)	34.16B
Book Value Per Share	141.92
Working Capital	174.30B

Cash Flow

In the last 12 months, operating cash flow was -14.68 billion and capital expenditures -955.37 million, giving a free cash flow of -15.63 billion.

Operating Cash Flow	-14.68B
Capital Expenditures	-955.37M
Free Cash Flow	-15.63B
FCF Per Share	-78.17

Margins

Gross margin is 14.82%, with operating and profit margins of 8.55% and 3.69%.

Gross Margin	14.82%
Operating Margin	8.55%
Pretax Margin	8.01%
Profit Margin	3.69%
EBITDA Margin	9.58%
EBIT Margin	8.55%
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 10.00, which amounts to a dividend yield of 8.06%.

Dividend Per Share	10.00
Dividend Yield	8.06%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	58.05%
Buyback Yield	n/a
Shareholder Yield	8.06%
Earnings Yield	19.54%
FCF Yield	-63.03%

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