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 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Feb 3, 2025	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Market Capitalization	16,328	19,304	20,532	21,067	20,902	23,157
Market Cap Growth	4.45%	-5.98%	-2.54%	0.79%	-9.74%	1.60%
Enterprise Value	8,358	3,373	-3,074	-4,138	-1,118	-3,964
PE Ratio	5.71	9.34	12.13	13.97	11.72	14.95
PS Ratio	0.17	0.26	0.39	0.48	0.40	0.61
PB Ratio	1.90	2.78	3.23	3.41	3.38	3.92
P/FCF Ratio	-	-	22.17	17.04	3.82	3.14
P/OCF Ratio	-	-	15.95	12.56	3.59	2.95
EV/Sales Ratio	0.09	0.04	-	-	-	-
EV/EBITDA Ratio	1.69	0.80	-	-	-	-
EV/EBIT Ratio	1.97	0.88	-	-	-	-
EV/FCF Ratio	-0.60	-	-	-	-	-
Debt / Equity Ratio	0.08	0.10	0.11	0.11	0.08	0.07
Debt / EBITDA Ratio	0.13	0.16	0.20	0.25	0.17	0.15
Debt / FCF Ratio	-	-	0.73	0.53	0.09	0.06
Quick Ratio	17.38	16.43	16.97	20.42	19.71	19.81
Current Ratio	17.39	16.85	17.42	20.77	20.03	20.31
Asset Turnover	0.42	0.39	0.31	0.28	0.37	0.31
Return on Equity (ROE)	37.66%	31.08%	27.02%	24.42%	29.53%	26.11%
Return on Assets (ROA)	1.22%	1.23%	1.02%	0.82%	1.10%	1.18%
Return on Capital (ROIC)	33.00%	32.72%	25.22%	19.37%	24.01%	23.62%
Return on Capital Employed (ROCE)	1.78%	1.83%	1.57%	1.28%	1.62%	1.79%
Earnings Yield	17.09%	10.70%	8.24%	7.16%	8.54%	6.69%
Earnings Yield	17.09%	10.70%	8.24%	7.16%	8.54%	6.69%
FCF Yield	-85.61%	-41.25%	4.51%	5.87%	26.20%	31.89%
Dividend Yield	9.65%	8.42%	8.56%	9.04%	9.88%	9.65%
Payout Ratio	54.30%	72.60%	88.65%	99.46%	84.07%	101.66%
Total Shareholder Return	7.21%	8.42%	8.56%	9.04%	9.88%	9.65%

Source: S&P Capital IQ. Insurance template. Financial Sources.