EFU Life Assurance Limited (PSX:EFUL)

EFU Life Assurance Statistics

Total Valuation

PSX:EFUL has a market cap or net worth of PKR 15.49 billion. The enterprise value is 10.08 billion.

Market Cap	15.49B
Enterprise Value	10.08B

Important Dates

The last earnings date was Friday, April 25, 2025.

Earnings Date	Apr 25, 2025
Ex-Dividend Date	May 2, 2025

Share Statistics

PSX:EFUL has 105.00 million shares outstanding. The number of shares has increased by 3.75% in one year.

Current Share Class	n/a
Shares Outstanding	105.00M
Shares Change (YoY)	+3.75%
Shares Change (QoQ)	+2.43%
Owned by Insiders (%)	15.51%
Owned by Institutions (%)	19.09%
Float	41.77M

Valuation Ratios

The trailing PE ratio is 5.12.

PE Ratio	5.12
Forward PE	n/a
PS Ratio	0.15
PB Ratio	1.68
P/TBV Ratio	1.75
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 1.80, with an EV/FCF ratio of -0.66.

EV / Earnings	3.37
EV / Sales	0.10
EV / EBITDA	1.80
EV / EBIT	2.08
EV / FCF	-0.66

Financial Position

The company has a current ratio of 16.74, with a Debt / Equity ratio of 0.07.

Current Ratio	16.74
Quick Ratio	16.40
Debt / Equity	0.07
Debt / EBITDA	0.11
Debt / FCF	-0.04
Interest Coverage	65.20

Financial Efficiency

Return on equity (ROE) is 37.05% and return on invested capital (ROIC) is 34.67%.

Return on Equity (ROE)	37.05%
Return on Assets (ROA)	1.29%
Return on Invested Capital (ROIC)	34.67%
Return on Capital Employed (ROCE)	1.97%
Revenue Per Employee	42.60M
Profits Per Employee	1.26M
Employee Count	2,369
Asset Turnover	0.43
Inventory Turnover	n/a

Taxes

Income Tax	n/a
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has decreased by -25.05% in the last 52 weeks. The beta is 0.05, so PSX:EFUL's price volatility has been lower than the market average.

Beta (5Y)	0.05
52-Week Price Change	-25.05%
50-Day Moving Average	153.23
200-Day Moving Average	168.95
Relative Strength Index (RSI)	39.82
Average Volume (20 Days)	9,761

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, PSX:EFUL had revenue of PKR 100.92 billion and earned 2.99 billion in profits. Earnings per share was 28.82.

Revenue	100.92B
Gross Profit	9.03B
Operating Income	4.84B
Pretax Income	4.96B
Net Income	2.99B
EBITDA	5.42B
EBIT	4.84B
Earnings Per Share (EPS)	28.82

Balance Sheet

The company has 231.05 billion in cash and 614.06 million in debt, giving a net cash position of 5.40 billion or 51.46 per share.

Cash & Cash Equivalents	231.05B
Total Debt	614.06M
Net Cash	5.40B
Net Cash Per Share	51.46
Equity (Book Value)	9.19B
Book Value Per Share	87.48
Working Capital	223.76B

Cash Flow

In the last 12 months, operating cash flow was -14.36 billion and capital expenditures -969.81 million, giving a free cash flow of -15.33 billion.

Operating Cash Flow	-14.36B
Capital Expenditures	-969.81M
Free Cash Flow	-15.33B
FCF Per Share	-145.98

Margins

Gross margin is 8.95%, with operating and profit margins of 4.79% and 2.96%.

Gross Margin	8.95%
Operating Margin	4.79%
Pretax Margin	4.92%
Profit Margin	2.96%
EBITDA Margin	5.37%
EBIT Margin	4.79%
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 15.00, which amounts to a dividend yield of 10.45%.

Dividend Per Share	15.00
Dividend Yield	10.45%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	50.92%
Buyback Yield	-3.75%
Shareholder Yield	6.70%
Earnings Yield	19.31%
FCF Yield	-98.97%

Stock Splits

The last stock split was on March 26, 2013. It was a forward split with a ratio of 1.1764705882.

Last Split Date	Mar 26, 2013
Split Type	Forward
Split Ratio	1.1764705882

Scores

Altman Z-Score	n/a
Piotroski F-Score	n/a