EFU Life Assurance Limited (PSX:EFUL)
Pakistan · Delayed Price · Currency is PKR 109.53
-3.50 (-3.10%)
At close: Oct 9, 2026
EFU Life Assurance Financials Overview
Financials in millions PKR. Fiscal year is January - December.
Millions PKR. Fiscal year is Jan - Dec.
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Revenue Revenue Growth | 104,390 | 103,229 | 101,032 | 75,589 | 52,958 | 43,781 |
Revenue Growth | 5.80% | 2.17% | 33.66% | 42.73% | 20.96% | -16.64% |
Operating Income Operating Income Growth | 3,965 | 4,069 | 4,833 | 3,904 | 2,794 | 2,093 |
Net Income Net Income Growth | 2,515 | 2,442 | 2,987 | 2,065 | 1,692 | 1,508 |
Earnings Per Share EPS Growth | 23.95 | 23.26 | 28.79 | 20.65 | 16.92 | 15.08 |
EPS Growth | -5.06% | -19.23% | 39.47% | 22.01% | 12.20% | -15.46% |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Family Takaful Investment Linked Business Family Takaful Investment Linked Business Growth | 18,915 | 16,956 | 16,910 | 12,928 | 10,023 | 8,086 |
Family Takaful Accident & Health Family Takaful Accident & Health Growth | 1,172 | 1,119 | 212.37 | - | - | - |
Family Takaful Protection Business Family Takaful Protection Business Growth | 1,506 | 1,315 | 1,233 | 735.2 | 561.96 | 423.43 |
Pension Business (Unit Linked) Pension Business (Unit Linked) Growth | 5.9 | 7.21 | 7.85 | 5.86 | 2.37 | 1.81 |
Participating Business Participating Business Growth | 191.37 | 162.43 | 28.62 | - | - | - |
Conventional Business Conventional Business Growth | 13,358 | 10,575 | 6,090 | 4,212 | 4,400 | 2,777 |
Investment Linked Business Investment Linked Business Growth | 64,935 | 68,786 | 75,849 | 58,637 | 38,843 | 33,198 |
Accident & Health Business Accident & Health Business Growth | 6,205 | 5,939 | 2,011 | 0.86 | 1.45 | 0.8 |
Total Total Growth | 106,289 | 104,859 | 102,342 | 76,519 | 53,831 | 44,487 |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash & Investments Cash & Investments Growth | 5,721 | 9,235 | 6,017 | 12,563 | 18,985 | 28,985 |
Total Debt Total Debt Growth | 1,091 | 1,132 | 614.06 | 687.2 | 671.66 | 649.58 |
Net Cash (Debt) Net Cash Growth | 4,629 | 8,104 | 5,403 | 11,876 | 18,314 | 28,335 |
Net Cash Growth | -21.95% | 49.99% | -54.51% | -35.15% | -35.37% | 18.59% |
Net Cash Per Share Net Cash Per Share Growth | 44.09 | 77.18 | 52.08 | 118.76 | 183.14 | 283.35 |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Operating Cash Flow Operating Cash Flow Growth | -13,131 | -14,798 | -14,358 | -7,060 | 1,288 | 1,678 |
Capital Expenditures CapEx Growth | -811.34 | -787.31 | -969.81 | -902.67 | -361.46 | -441.29 |
Free Cash Flow Free Cash Flow Growth | -13,942 | -15,585 | -15,328 | -7,962 | 926.09 | 1,236 |
Free Cash Flow Growth | - | - | - | - | -25.09% | -77.42% |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Operating Margin | 3.80% | 3.94% | 4.78% | 5.17% | 5.28% | 4.78% |
Pretax Margin | 3.75% | 3.86% | 4.91% | 5.28% | 5.37% | 4.89% |
Profit Margin | 2.41% | 2.37% | 2.96% | 2.73% | 3.19% | 3.45% |
FCF Margin | -13.36% | -15.10% | -15.17% | -10.53% | 1.75% | 2.82% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Oct '26 Oct 9, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Dividend Per Share Dividend Per Share Growth | 15.000 | 15.000 | 15.000 | 15.000 | 15.000 | 15.000 |
Dividend Per Share Growth | 0% | 0% | 0% | 0% | 0% | 0% |
Dividend Yield | 13.70% | 20.06% | 20.59% | 19.73% | 20.06% | 21.18% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Oct '26 Oct 9, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
PE Ratio | 4.57 | 6.84 | 6.00 | 9.35 | 12.13 | 13.97 |
P/FCF Ratio | - | - | - | - | 22.17 | 17.04 |
PS Ratio | 0.11 | 0.16 | 0.18 | 0.26 | 0.39 | 0.48 |