EFU Life Assurance Limited (PSX:EFUL)
Pakistan · Delayed Price · Currency is PKR 177.62
-0.48 (-0.27%)
At close: Jan 30, 2026
EFU Life Assurance Income Statement
Financials in millions PKR. Fiscal year is January - December.
Millions PKR. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 |
Premiums & Annuity Revenue | 49,194 | 39,408 | 36,404 | 38,471 | 36,350 | 31,653 |
Total Interest & Dividend Income | 30,999 | 38,906 | 32,897 | 19,211 | 11,869 | 11,469 |
Gain (Loss) on Sale of Investments | 31,592 | 22,556 | 6,239 | -4,771 | -4,488 | 9,368 |
Other Revenue | 49.23 | 52.24 | 50.09 | 46.26 | 49.22 | 31.07 |
| 111,834 | 100,923 | 75,589 | 52,958 | 43,781 | 52,521 | |
Revenue Growth (YoY) | 22.25% | 33.51% | 42.73% | 20.96% | -16.64% | 38.11% |
Policy Benefits | 92,669 | 84,098 | 61,054 | 39,684 | 31,451 | 41,485 |
Policy Acquisition & Underwriting Costs | 10,348 | 7,793 | 7,208 | 7,863 | 7,872 | 6,607 |
Selling, General & Administrative | 4,182 | 4,037 | 3,259 | 2,577 | 2,325 | 1,900 |
Other Operating Expenses | 67.74 | 69.92 | 42.08 | 40.67 | 40.06 | 31.53 |
Total Operating Expenses | 107,352 | 96,085 | 71,685 | 50,164 | 41,688 | 50,024 |
Operating Income | 4,482 | 4,837 | 3,904 | 2,794 | 2,093 | 2,497 |
Interest Expense | -108.46 | -74.2 | -70.62 | - | - | - |
Other Non Operating Income (Expenses) | 0.4 | 2.56 | 0.04 | 0.05 | - | - |
EBT Excluding Unusual Items | 4,374 | 4,766 | 3,834 | 2,794 | 2,093 | 2,497 |
Gain (Loss) on Sale of Assets | 40.61 | 161.47 | 140.03 | 42.27 | 37.06 | 20.12 |
Other Unusual Items | 33.72 | 33.91 | 21.09 | 5.76 | 11.8 | 9.67 |
Pretax Income | 4,448 | 4,961 | 3,995 | 2,842 | 2,142 | 2,527 |
Income Tax Expense | 1,735 | 1,971 | 1,930 | 1,150 | 633.47 | 743.08 |
Net Income | 2,713 | 2,990 | 2,065 | 1,692 | 1,508 | 1,784 |
Net Income to Common | 2,713 | 2,990 | 2,065 | 1,692 | 1,508 | 1,784 |
Net Income Growth | -2.67% | 44.83% | 22.01% | 12.20% | -15.47% | 15.16% |
Shares Outstanding (Basic) | 105 | 104 | 100 | 100 | 100 | 100 |
Shares Outstanding (Diluted) | 105 | 104 | 100 | 100 | 100 | 100 |
Shares Change (YoY) | 2.45% | 3.75% | - | - | - | - |
EPS (Basic) | 25.84 | 28.82 | 20.65 | 16.92 | 15.08 | 17.84 |
EPS (Diluted) | 25.84 | 28.82 | 20.65 | 16.92 | 15.08 | 17.84 |
EPS Growth | -4.99% | 39.59% | 22.01% | 12.20% | -15.46% | 15.17% |
Free Cash Flow | -14,913 | -15,328 | -7,962 | 926.09 | 1,236 | 5,476 |
Free Cash Flow Per Share | -142.03 | -147.74 | -79.62 | 9.26 | 12.36 | 54.76 |
Dividend Per Share | 15.000 | 15.000 | 15.000 | 15.000 | 15.000 | 15.000 |
Operating Margin | 4.01% | 4.79% | 5.17% | 5.28% | 4.78% | 4.75% |
Profit Margin | 2.43% | 2.96% | 2.73% | 3.19% | 3.45% | 3.40% |
Free Cash Flow Margin | -13.33% | -15.19% | -10.53% | 1.75% | 2.82% | 10.43% |
EBITDA | 4,992 | 5,424 | 4,288 | 3,149 | 2,436 | 2,838 |
EBITDA Margin | 4.46% | 5.37% | 5.67% | 5.95% | 5.56% | 5.40% |
D&A For EBITDA | 510.19 | 586.19 | 383.46 | 354.61 | 343.04 | 340.81 |
EBIT | 4,482 | 4,837 | 3,904 | 2,794 | 2,093 | 2,497 |
EBIT Margin | 4.01% | 4.79% | 5.17% | 5.28% | 4.78% | 4.75% |
Effective Tax Rate | 39.00% | 39.73% | 48.32% | 40.46% | 29.58% | 29.40% |
Revenue as Reported | 111,909 | 101,121 | 75,751 | 53,006 | 43,829 | 52,551 |
Source: S&P Global Market Intelligence. Insurance template. Financial Sources.