EFU Life Assurance Limited (PSX:EFUL)
Pakistan flag Pakistan · Delayed Price · Currency is PKR
152.97
+1.63 (1.08%)
At close: Mar 27, 2025

EFU Life Assurance Income Statement

Millions PKR. Fiscal year is Jan - Dec.
Fiscal Year
FY 2024 FY 2023 FY 2022 FY 2021 FY 2020 2015 - 2019
Period Ending
Dec '24 Dec '23 Dec '22 Dec '21 Dec '20 2015 - 2019
Premiums & Annuity Revenue
39,40836,40438,47136,35031,653
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Total Interest & Dividend Income
38,90632,89719,21111,86911,469
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Gain (Loss) on Sale of Investments
22,5566,239-4,771-4,4889,368
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Other Revenue
52.2450.0946.2649.2231.07
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Total Revenue
100,92375,58952,95843,78152,521
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Revenue Growth (YoY)
33.51%42.73%20.96%-16.64%38.11%
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Policy Benefits
84,09861,05439,68431,45141,485
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Policy Acquisition & Underwriting Costs
7,7937,2087,8637,8726,607
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Selling, General & Administrative
4,0373,2592,5772,3251,900
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Other Operating Expenses
69.9242.0840.6740.0631.53
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Total Operating Expenses
96,08571,68550,16441,68850,024
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Operating Income
4,8373,9042,7942,0932,497
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Interest Expense
-74.2-70.62---
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Other Non Operating Income (Expenses)
2.560.040.05--
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EBT Excluding Unusual Items
4,7663,8342,7942,0932,497
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Gain (Loss) on Sale of Assets
161.47140.0342.2737.0620.12
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Other Unusual Items
33.9121.095.7611.89.67
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Pretax Income
4,9613,9952,8422,1422,527
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Income Tax Expense
1,9711,9301,150633.47743.08
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Net Income
2,9902,0651,6921,5081,784
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Net Income to Common
2,9902,0651,6921,5081,784
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Net Income Growth
44.83%22.01%12.20%-15.47%15.16%
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Shares Outstanding (Basic)
104100100100100
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Shares Outstanding (Diluted)
104100100100100
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Shares Change (YoY)
3.75%----
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EPS (Basic)
28.8220.6516.9215.0817.84
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EPS (Diluted)
28.8220.6516.9215.0817.84
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EPS Growth
39.59%22.01%12.20%-15.46%15.17%
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Free Cash Flow
-15,328-7,962926.091,2365,476
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Free Cash Flow Per Share
-147.74-79.629.2612.3654.76
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Dividend Per Share
15.00015.00015.00015.00015.000
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Operating Margin
4.79%5.17%5.28%4.78%4.75%
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Profit Margin
2.96%2.73%3.19%3.45%3.40%
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Free Cash Flow Margin
-15.19%-10.53%1.75%2.82%10.43%
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EBITDA
5,4244,2883,1492,4362,838
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EBITDA Margin
5.37%5.67%5.95%5.56%5.40%
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D&A For EBITDA
586.19383.46354.61343.04340.81
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EBIT
4,8373,9042,7942,0932,497
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EBIT Margin
4.79%5.17%5.28%4.78%4.75%
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Effective Tax Rate
39.73%48.32%40.46%29.58%29.40%
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Revenue as Reported
101,12175,75153,00643,82952,551
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Source: S&P Global Market Intelligence. Insurance template. Financial Sources.