EFU Life Assurance Limited (PSX:EFUL)
Pakistan · Delayed Price · Currency is PKR 174.29
-3.35 (-1.89%)
At close: Aug 20, 2026
EFU Life Assurance Ratios and Metrics
Market cap in millions PKR. Fiscal year is January - December.
Millions PKR. Fiscal year is Jan - Dec.
Total Valuation
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Aug '26 Aug 19, 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 |
| 18,300 | 16,695 | 17,920 | 19,304 | 20,532 | 21,067 | |
Market Cap Growth | 9.58% | -6.84% | -7.17% | -5.98% | -2.54% | 0.79% |
Enterprise Value | 13,048 | 8,676 | 9,950 | 3,373 | -3,074 | -4,138 |
Price Ratios
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Aug '26 Aug 19, 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 |
PE Ratio | 8.35 | 6.84 | 6.00 | 9.35 | 12.13 | 13.97 |
PS Ratio | 0.20 | 0.16 | 0.18 | 0.26 | 0.39 | 0.48 |
PB Ratio | 1.95 | 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 Ratios
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Aug '26 Aug 19, 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 |
EV/Sales Ratio | 0.14 | 0.08 | 0.10 | 0.05 | - | - |
EV/EBITDA Ratio | 2.88 | 1.87 | 1.84 | 0.79 | - | - |
EV/EBIT Ratio | 3.45 | 2.13 | 2.06 | 0.86 | - | - |
Financial Efficiency
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Aug '26 Aug 19, 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 |
Debt / Equity Ratio | 0.12 | 0.11 | 0.07 | 0.10 | 0.11 | 0.11 |
Debt / EBITDA Ratio | 0.25 | 0.23 | 0.11 | 0.15 | 0.20 | 0.25 |
Debt / FCF Ratio | - | - | - | - | 0.73 | 0.53 |
Net Debt / Equity Ratio | -0.56 | -0.80 | -0.59 | -1.71 | -2.88 | -4.59 |
Net Debt / EBITDA Ratio | -1.21 | -1.74 | -1.00 | -2.77 | -5.82 | -11.63 |
Net Debt / FCF Ratio | 0.32 | 0.52 | 0.35 | 1.49 | -19.77 | -22.92 |
Quick Ratio | 19.76 | 15.46 | 16.47 | 16.19 | 16.97 | 20.42 |
Current Ratio | 19.86 | 15.85 | 16.80 | 16.63 | 17.42 | 20.77 |
Asset Turnover | 0.33 | 0.37 | 0.43 | 0.39 | 0.31 | 0.28 |
Return on Equity (ROE) | 24.31% | 25.30% | 37.02% | 31.05% | 27.02% | 24.42% |
Return on Assets (ROA) | 0.86% | 0.91% | 1.29% | 1.26% | 1.02% | 0.82% |
Return on Invested Capital (ROIC) | 20.76% | 23.67% | 33.41% | 27.54% | 24.02% | 21.82% |
Yields
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Aug '26 Aug 19, 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 |
Earnings Yield | 12.01% | 14.63% | 16.67% | 10.70% | 8.24% | 7.16% |
FCF Yield | -89.03% | -93.35% | -85.53% | -41.25% | 4.51% | 5.87% |
Dividend Yield | 8.61% | 10.25% | 10.52% | 10.08% | 10.25% | 10.82% |
Payout Ratio | 21.50% | 64.49% | 50.97% | 72.66% | 88.65% | 99.46% |
Buyback Yield / Dilution | -0.61% | -1.21% | -3.75% | - | - | - |
Total Shareholder Return | 8.00% | 9.04% | 6.77% | 10.08% | 10.25% | 10.82% |