EFU Life Assurance Limited (PSX:EFUL)
Pakistan · Delayed Price · Currency is PKR 155.07
+0.07 (0.05%)
At close: Sep 11, 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 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 |
Premiums & Annuity Revenue | 58,353 | 52,623 | 39,517 | 36,404 | 38,471 | 36,350 |
Total Interest & Dividend Income | 27,231 | 29,269 | 38,906 | 32,897 | 19,211 | 11,869 |
Gain (Loss) on Sale of Investments | 18,755 | 21,285 | 22,556 | 6,239 | -4,771 | -4,488 |
Other Revenue | 52.26 | 52.26 | 52.24 | 50.09 | 46.26 | 49.22 |
| 104,392 | 103,229 | 101,032 | 75,589 | 52,958 | 43,781 | |
Revenue Growth | 5.80% | 2.17% | 33.66% | 42.73% | 20.96% | -16.64% |
Policy Benefits | 83,104 | 83,247 | 84,207 | 61,054 | 39,684 | 31,451 |
Policy Acquisition & Underwriting Costs | 11,610 | 11,070 | 7,703 | 7,208 | 7,863 | 7,872 |
Selling, General & Administrative | 5,530 | 4,702 | 4,132 | 3,259 | 2,577 | 2,325 |
Other Operating Expenses | 109.89 | 73.93 | 69.92 | 42.08 | 40.67 | 40.06 |
Total Operating Expenses | 100,426 | 99,160 | 96,199 | 71,685 | 50,164 | 41,688 |
Operating Income | 3,966 | 4,069 | 4,833 | 3,904 | 2,794 | 2,093 |
Interest Expense | -154.14 | -140.97 | -74.2 | -70.62 | - | - |
Earnings From Equity Investments | 1.69 | 2.35 | - | - | - | - |
Other Non Operating Income (Expenses) | 39.69 | 0.33 | 2.56 | 0.04 | 0.05 | - |
EBT Excluding Unusual Items | 3,853 | 3,931 | 4,761 | 3,834 | 2,794 | 2,093 |
Gain (Loss) on Sale of Assets | 51.17 | 51.17 | 161.47 | 140.03 | 42.27 | 37.06 |
Other Unusual Items | 5.12 | 5.12 | 33.91 | 21.09 | 5.76 | 11.8 |
Pretax Income | 3,910 | 3,987 | 4,957 | 3,995 | 2,842 | 2,142 |
Income Tax Expense | 1,395 | 1,545 | 1,969 | 1,930 | 1,150 | 633.47 |
Net Income | 2,515 | 2,442 | 2,987 | 2,065 | 1,692 | 1,508 |
Net Income to Common | 2,515 | 2,442 | 2,987 | 2,065 | 1,692 | 1,508 |
Net Income Growth | -4.95% | -18.25% | 44.70% | 22.01% | 12.20% | -15.47% |
Shares Outstanding (Basic) | 105 | 105 | 104 | 100 | 100 | 100 |
Shares Outstanding (Diluted) | 105 | 105 | 104 | 100 | 100 | 100 |
Shares Change | 0.31% | 1.21% | 3.75% | - | - | - |
EPS (Basic) | 23.95 | 23.26 | 28.79 | 20.65 | 16.92 | 15.08 |
EPS (Diluted) | 23.95 | 23.26 | 28.79 | 20.65 | 16.92 | 15.08 |
EPS Growth | -5.25% | -19.23% | 39.47% | 22.01% | 12.20% | -15.46% |
Additional Metrics
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 |
Free Cash Flow | -13,942 | -15,585 | -15,328 | -7,962 | 926.09 | 1,236 |
Free Cash Flow Per Share | -132.78 | -148.43 | -147.74 | -79.62 | 9.26 | 12.36 |
Dividend Per Share | 15.000 | 15.000 | 15.000 | 15.000 | 15.000 | 15.000 |
Dividend Growth | 0% | 0% | 0% | 0% | 0% | 0% |
Operating Margin | 3.80% | 3.94% | 4.78% | 5.17% | 5.28% | 4.78% |
Profit Margin | 2.41% | 2.37% | 2.96% | 2.73% | 3.19% | 3.45% |
Free Cash Flow Margin | -13.36% | -15.10% | -15.17% | -10.53% | 1.75% | 2.82% |
EBITDA | 4,585 | 4,645 | 5,424 | 4,288 | 3,149 | 2,436 |
EBITDA Margin | 4.39% | 4.50% | 5.37% | 5.67% | 5.95% | 5.56% |
D&A For EBITDA | 619.36 | 575.92 | 590.59 | 383.46 | 354.61 | 343.04 |
EBIT | 3,966 | 4,069 | 4,833 | 3,904 | 2,794 | 2,093 |
EBIT Margin | 3.80% | 3.94% | 4.78% | 5.17% | 5.28% | 4.78% |
Effective Tax Rate | 35.68% | 38.75% | 39.73% | 48.32% | 40.46% | 29.58% |
Revenue as Reported | 104,488 | 103,286 | 101,230 | 75,751 | 53,006 | 43,829 |