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	Apr 29, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	15,005	16,695	17,920	19,304	20,532	21,067
Market Cap Growth	-1.08%	-6.84%	-7.17%	-5.98%	-2.54%	0.79%
Enterprise Value	11,769	8,676	9,950	3,373	-3,074	-4,138
PE Ratio	6.85	6.84	6.00	9.35	12.13	13.97
PS Ratio	0.17	0.16	0.18	0.26	0.39	0.48
PB Ratio	1.60	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	0.13	0.08	0.10	0.05	-	-
EV/EBITDA Ratio	2.58	1.87	1.84	0.79	-	-
EV/EBIT Ratio	3.11	2.13	2.06	0.86	-	-
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	-0.34	-0.80	-0.59	-1.71	-2.88	-4.59
Net Debt / EBITDA Ratio	-0.74	-1.74	-1.00	-2.77	-5.82	-11.63
Net Debt / FCF Ratio	0.21	0.52	0.35	1.49	-19.77	-22.92
Quick Ratio	3.42	15.46	16.47	16.19	16.97	20.42
Current Ratio	3.52	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%
Earnings Yield	14.65%	14.63%	16.67%	10.70%	8.24%	7.16%
FCF Yield	-101.24%	-93.35%	-85.53%	-41.25%	4.51%	5.87%
Dividend Yield	10.50%	10.14%	10.41%	9.97%	10.14%	10.71%
Payout Ratio	71.66%	64.49%	50.97%	72.66%	88.65%	99.46%
Buyback Yield / Dilution	-0.30%	-1.21%	-3.75%	-	-	-
Total Shareholder Return	10.20%	8.94%	6.66%	9.97%	10.14%	10.71%

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