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 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 26, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	15,645	17,920	19,304	20,532	21,067	20,902
Market Cap Growth	-7.17%	-7.17%	-5.98%	-2.54%	0.79%	-9.74%
Enterprise Value	10,242	9,950	3,373	-3,074	-4,138	-1,118
PE Ratio	5.17	5.99	9.35	12.13	13.97	11.72
PS Ratio	0.15	0.18	0.26	0.39	0.48	0.40
PB Ratio	1.70	1.95	2.78	3.23	3.41	3.39
P/FCF Ratio	-	-	22.17	17.04	3.82
P/OCF Ratio	-	-	15.95	12.56	3.59
EV/Sales Ratio	0.10	0.10	0.05	-	-	-
EV/EBITDA Ratio	1.83	1.84	0.79	-	-	-
EV/EBIT Ratio	2.12	2.06	0.86	-	-	-
EV/FCF Ratio	-0.67	-	-	-	-	-
Debt / Equity Ratio	0.07	0.07	0.10	0.11	0.11	0.08
Debt / EBITDA Ratio	0.11	0.11	0.15	0.20	0.25	0.17
Debt / FCF Ratio	-	-	-	0.73	0.53	0.09
Quick Ratio	16.40	16.40	16.19	16.97	20.42	19.71
Current Ratio	16.74	16.74	16.63	17.42	20.77	20.03
Asset Turnover	0.43	0.43	0.39	0.31	0.28	0.37
Return on Equity (ROE)	37.05%	37.05%	31.05%	27.02%	24.42%	29.53%
Return on Assets (ROA)	1.29%	1.29%	1.26%	1.02%	0.82%	1.10%
Return on Capital (ROIC)	34.67%	34.67%	33.30%	25.22%	19.37%	24.01%
Earnings Yield	19.11%	16.68%	10.70%	8.24%	7.16%	8.54%
Earnings Yield	19.11%	16.68%	10.70%	8.24%	7.16%	8.54%
FCF Yield	-97.97%	-85.53%	-41.25%	4.51%	5.87%	26.20%
Dividend Yield	9.81%	9.40%	9.00%	9.16%	9.67%	10.57%
Payout Ratio	50.92%	50.92%	72.66%	88.65%	99.46%	84.07%
Buyback Yield / Dilution	-3.75%	-3.75%	-	-	-	-
Total Shareholder Return	6.06%	5.65%	9.00%	9.16%	9.67%	10.57%

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