EFU Life Assurance Ratios and Metrics

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

Millions PKR. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
Period Ending	Apr '25 Apr 24, 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	2015 - 2019
Market Capitalization	15,488	17,920	19,304	20,532	21,067	20,902	Upgrade
Market Cap Growth	-7.17%	-7.17%	-5.98%	-2.54%	0.79%	-9.74%	Upgrade
Enterprise Value	10,085	9,950	3,373	-3,074	-4,138	-1,118	Upgrade
PE Ratio	5.12	5.99	9.35	12.13	13.97	11.72	Upgrade
PS Ratio	0.15	0.18	0.26	0.39	0.48	0.40	Upgrade
PB Ratio	1.68	1.95	2.78	3.23	3.41	3.39	Upgrade
P/FCF Ratio	-	-	-	22.17	17.04	3.82	Upgrade
P/OCF Ratio	-	-	-	15.95	12.56	3.59	Upgrade
EV/Sales Ratio	0.10	0.10	0.05	-	-	-	Upgrade
EV/EBITDA Ratio	1.80	1.84	0.79	-	-	-	Upgrade
EV/EBIT Ratio	2.08	2.06	0.86	-	-	-	Upgrade
EV/FCF Ratio	-0.66	-	-	-	-	-	Upgrade
Debt / Equity Ratio	0.07	0.07	0.10	0.11	0.11	0.08	Upgrade
Debt / EBITDA Ratio	0.11	0.11	0.15	0.20	0.25	0.17	Upgrade
Debt / FCF Ratio	-	-	-	0.73	0.53	0.09	Upgrade
Quick Ratio	16.40	16.40	16.19	16.97	20.42	19.71	Upgrade
Current Ratio	16.74	16.74	16.63	17.42	20.77	20.03	Upgrade
Asset Turnover	0.43	0.43	0.39	0.31	0.28	0.37	Upgrade
Return on Equity (ROE)	37.05%	37.05%	31.05%	27.02%	24.42%	29.53%	Upgrade
Return on Assets (ROA)	1.29%	1.29%	1.26%	1.02%	0.82%	1.10%	Upgrade
Return on Capital (ROIC)	34.67%	34.67%	33.30%	25.22%	19.37%	24.01%	Upgrade
Earnings Yield	19.31%	16.68%	10.70%	8.24%	7.16%	8.54%	Upgrade
Earnings Yield	19.31%	16.68%	10.70%	8.24%	7.16%	8.54%	Upgrade
FCF Yield	-98.97%	-85.53%	-41.25%	4.51%	5.87%	26.20%	Upgrade
Dividend Yield	10.17%	9.40%	9.00%	9.16%	9.67%	10.57%	Upgrade
Payout Ratio	50.92%	50.92%	72.66%	88.65%	99.46%	84.07%	Upgrade
Buyback Yield / Dilution	-3.75%	-3.75%	-	-	-	-	Upgrade
Total Shareholder Return	6.42%	5.65%	9.00%	9.16%	9.67%	10.57%	Upgrade

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