EFU Life Assurance Limited (PSX:EFUL)

EFU Life Assurance Ratios and Metrics

Market cap in millions PKR. Fiscal year is January - December.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 18, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	15,123	16,695	17,920	19,304	20,532	21,067
Market Cap Growth	-9.77%	-6.84%	-7.17%	-5.98%	-2.54%	0.79%
Enterprise Value	7,019	8,676	9,950	3,373	-3,074	-4,138
PE Ratio	6.19	6.84	6.00	9.35	12.13	13.97
PS Ratio	0.15	0.16	0.18	0.26	0.39	0.48
PB Ratio	1.49	1.65	1.95	2.78	3.23	3.41
P/FCF Ratio	-	-	-	-	22.17	17.04
P/OCF Ratio	-	-	-	-	15.95	12.56
EV/Sales Ratio	0.07	0.08	0.10	0.05	-	-
EV/EBITDA Ratio	1.46	1.87	1.84	0.79	-	-
EV/EBIT Ratio	1.72	2.13	2.06	0.86	-	-
Debt / Equity Ratio	0.11	0.11	0.07	0.10	0.11	0.11
Debt / EBITDA Ratio	0.23	0.23	0.11	0.15	0.20	0.25
Debt / FCF Ratio	-	-	-	-	0.73	0.53
Net Debt / Equity Ratio	-0.80	-0.80	-0.59	-1.71	-2.88	-4.59
Net Debt / EBITDA Ratio	-1.74	-1.74	-1.00	-2.77	-5.82	-11.63
Net Debt / FCF Ratio	0.52	0.52	0.35	1.49	-19.77	-22.92
Quick Ratio	15.46	15.46	16.47	16.19	16.97	20.42
Current Ratio	15.85	15.85	16.80	16.63	17.42	20.77
Asset Turnover	0.37	0.37	0.43	0.39	0.31	0.28
Return on Equity (ROE)	25.30%	25.30%	37.02%	31.05%	27.02%	24.42%
Return on Assets (ROA)	0.91%	0.91%	1.29%	1.26%	1.02%	0.82%
Return on Invested Capital (ROIC)	22.88%	23.67%	33.41%	27.54%	24.02%	21.82%
Earnings Yield	16.15%	14.63%	16.67%	10.70%	8.24%	7.16%
FCF Yield	-103.05%	-93.35%	-85.53%	-41.25%	4.51%	5.87%
Dividend Yield	10.33%	10.14%	10.41%	9.97%	10.14%	10.71%
Payout Ratio	64.49%	64.49%	50.97%	72.66%	88.65%	99.46%
Buyback Yield / Dilution	-1.21%	-1.21%	-3.75%	-	-	-
Total Shareholder Return	8.74%	8.94%	6.66%	9.97%	10.14%	10.71%

Source: S&P Global Market Intelligence. Insurance template. Financial Sources.