EFU Life Assurance Limited (PSX:EFUL)

EFU Life Assurance Statistics

Total Valuation

PSX:EFUL has a market cap or net worth of PKR 15.93 billion. The enterprise value is 11.24 billion.

Market Cap	15.93B
Enterprise Value	11.24B

Important Dates

The last earnings date was Tuesday, October 28, 2025.

Earnings Date	Oct 28, 2025
Ex-Dividend Date	Nov 3, 2025

Share Statistics

PSX:EFUL has 105.00 million shares outstanding. The number of shares has increased by 3.07% in one year.

Current Share Class	105.00M
Shares Outstanding	105.00M
Shares Change (YoY)	+3.07%
Shares Change (QoQ)	+0.05%
Owned by Insiders (%)	6.57%
Owned by Institutions (%)	19.09%
Float	50.53M

Valuation Ratios

The trailing PE ratio is 5.87.

PE Ratio	5.87
Forward PE	n/a
PS Ratio	0.14
PB Ratio	1.65
P/TBV Ratio	1.70
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 2.15, with an EV/FCF ratio of -0.75.

EV / Earnings	4.14
EV / Sales	0.10
EV / EBITDA	2.15
EV / EBIT	2.51
EV / FCF	-0.75

Financial Position

The company has a current ratio of 3.95, with a Debt / Equity ratio of 0.09.

Current Ratio	3.95
Quick Ratio	3.84
Debt / Equity	0.09
Debt / EBITDA	0.17
Debt / FCF	-0.06
Interest Coverage	41.35

Financial Efficiency

Return on equity (ROE) is 30.08% and return on invested capital (ROIC) is 28.60%.

Return on Equity (ROE)	30.08%
Return on Assets (ROA)	1.06%
Return on Invested Capital (ROIC)	28.60%
Return on Capital Employed (ROCE)	1.57%
Revenue Per Employee	47.21M
Profits Per Employee	1.15M
Employee Count	2,369
Asset Turnover	0.42
Inventory Turnover	n/a

Taxes

In the past 12 months, PSX:EFUL has paid 1.73 billion in taxes.

Income Tax	1.73B
Effective Tax Rate	39.00%

Stock Price Statistics

The stock price has decreased by -14.38% in the last 52 weeks. The beta is 0.11, so PSX:EFUL's price volatility has been lower than the market average.

Beta (5Y)	0.11
52-Week Price Change	-14.38%
50-Day Moving Average	156.59
200-Day Moving Average	154.18
Relative Strength Index (RSI)	47.92
Average Volume (20 Days)	6,106

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 111.84 billion and earned 2.71 billion in profits. Earnings per share was 25.84.

Revenue	111.84B
Gross Profit	8.81B
Operating Income	4.48B
Pretax Income	4.45B
Net Income	2.71B
EBITDA	5.07B
EBIT	4.48B
Earnings Per Share (EPS)	25.84

Balance Sheet

The company has 5.59 billion in cash and 899.55 million in debt, giving a net cash position of 4.69 billion or 44.64 per share.

Cash & Cash Equivalents	5.59B
Total Debt	899.55M
Net Cash	4.69B
Net Cash Per Share	44.64
Equity (Book Value)	9.64B
Book Value Per Share	91.79
Working Capital	7.33B

Cash Flow

In the last 12 months, operating cash flow was -14.30 billion and capital expenditures -613.57 million, giving a free cash flow of -14.91 billion.

Operating Cash Flow	-14.30B
Capital Expenditures	-613.57M
Free Cash Flow	-14.91B
FCF Per Share	-142.03

Margins

Gross margin is 7.87%, with operating and profit margins of 4.01% and 2.43%.

Gross Margin	7.87%
Operating Margin	4.01%
Pretax Margin	3.98%
Profit Margin	2.43%
EBITDA Margin	4.54%
EBIT Margin	4.01%
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 15.00, which amounts to a dividend yield of 9.72%.

Dividend Per Share	15.00
Dividend Yield	9.72%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	58.05%
Buyback Yield	-3.07%
Shareholder Yield	6.65%
Earnings Yield	17.03%
FCF Yield	-93.61%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

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	3