EFU General Insurance Limited (PSX:EFUG)

EFU General Insurance Statistics

Total Valuation

PSX:EFUG has a market cap or net worth of PKR 24.00 billion. The enterprise value is 22.47 billion.

Market Cap	24.00B
Enterprise Value	22.47B

Important Dates

The last earnings date was Friday, February 27, 2026.

Earnings Date	Feb 27, 2026
Ex-Dividend Date	Mar 18, 2026

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 (%)	33.89%
Owned by Institutions (%)	12.33%
Float	59.85M

Valuation Ratios

The trailing PE ratio is 4.25.

PE Ratio	4.25
Forward PE	n/a
PS Ratio	0.19
PB Ratio	0.69
P/TBV Ratio	0.91
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 1.72, with an EV/FCF ratio of -1.37.

EV / Earnings	3.98
EV / Sales	0.18
EV / EBITDA	1.72
EV / EBIT	1.94
EV / FCF	-1.37

Financial Position

The company has a current ratio of 3.57, with a Debt / Equity ratio of 0.04.

Current Ratio	3.57
Quick Ratio	3.08
Debt / Equity	0.04
Debt / EBITDA	0.09
Debt / FCF	-0.07
Interest Coverage	73.80

Financial Efficiency

Return on equity (ROE) is 20.79% and return on invested capital (ROIC) is 19.12%.

Return on Equity (ROE)	20.79%
Return on Assets (ROA)	2.02%
Return on Invested Capital (ROIC)	19.12%
Return on Capital Employed (ROCE)	3.66%
Weighted Average Cost of Capital (WACC)	3.95%
Revenue Per Employee	127.95M
Profits Per Employee	5.85M
Employee Count	3,653
Asset Turnover	0.35
Inventory Turnover	n/a

Taxes

In the past 12 months, PSX:EFUG has paid 4.80 billion in taxes.

Income Tax	4.80B
Effective Tax Rate	41.25%

Stock Price Statistics

The stock price has decreased by -4.30% in the last 52 weeks. The beta is -0.09, so PSX:EFUG's price volatility has been lower than the market average.

Beta (5Y)	-0.09
52-Week Price Change	-4.30%
50-Day Moving Average	128.06
200-Day Moving Average	125.31
Relative Strength Index (RSI)	42.72
Average Volume (20 Days)	11,052

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 123.60 billion and earned 5.65 billion in profits. Earnings per share was 28.24.

Revenue	123.60B
Gross Profit	20.17B
Operating Income	11.58B
Pretax Income	11.64B
Net Income	5.65B
EBITDA	13.02B
EBIT	11.58B
Earnings Per Share (EPS)	28.24

Balance Sheet

The company has 181.95 billion in cash and 1.23 billion in debt, with a net cash position of 7.56 billion or 37.79 per share.

Cash & Cash Equivalents	181.95B
Total Debt	1.23B
Net Cash	7.56B
Net Cash Per Share	37.79
Equity (Book Value)	34.83B
Book Value Per Share	143.98
Working Capital	162.98B

Cash Flow

In the last 12 months, operating cash flow was -15.22 billion and capital expenditures -1.22 billion, giving a free cash flow of -16.44 billion.

Operating Cash Flow	-15.22B
Capital Expenditures	-1.22B
Free Cash Flow	-16.44B
FCF Per Share	-82.21

Margins

Gross margin is 16.32%, with operating and profit margins of 9.37% and 4.57%.

Gross Margin	16.32%
Operating Margin	9.37%
Pretax Margin	9.42%
Profit Margin	4.57%
EBITDA Margin	10.54%
EBIT Margin	9.37%
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 10.00, which amounts to a dividend yield of 8.24%.

Dividend Per Share	10.00
Dividend Yield	8.24%
Dividend Growth (YoY)	-15.00%
Years of Dividend Growth	n/a
Payout Ratio	49.79%
Buyback Yield	n/a
Shareholder Yield	8.24%
Earnings Yield	23.53%
FCF Yield	-68.51%

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