EFU Life Assurance Limited (PSX:EFUL)

EFU Life Assurance Statistics

Total Valuation

PSX:EFUL has a market cap or net worth of PKR 15.12 billion. The enterprise value is 7.02 billion.

Market Cap	15.12B
Enterprise Value	7.02B

Important Dates

The last earnings date was Thursday, February 26, 2026.

Earnings Date	Feb 26, 2026
Ex-Dividend Date	Mar 18, 2026

Share Statistics

PSX:EFUL has 105.00 million shares outstanding. The number of shares has increased by 1.21% in one year.

Current Share Class	105.00M
Shares Outstanding	105.00M
Shares Change (YoY)	+1.21%
Shares Change (QoQ)	n/a
Owned by Insiders (%)	6.81%
Owned by Institutions (%)	19.33%
Float	31.27M

Valuation Ratios

The trailing PE ratio is 6.19.

PE Ratio	6.19
Forward PE	n/a
PS Ratio	0.15
PB Ratio	1.49
P/TBV Ratio	1.53
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 1.46, with an EV/FCF ratio of -0.45.

EV / Earnings	2.87
EV / Sales	0.07
EV / EBITDA	1.46
EV / EBIT	1.72
EV / FCF	-0.45

Financial Position

The company has a current ratio of 15.85, with a Debt / Equity ratio of 0.11.

Current Ratio	15.85
Quick Ratio	15.46
Debt / Equity	0.11
Debt / EBITDA	0.23
Debt / FCF	-0.07
Interest Coverage	28.87

Financial Efficiency

Return on equity (ROE) is 25.29% and return on invested capital (ROIC) is 22.88%.

Return on Equity (ROE)	25.29%
Return on Assets (ROA)	0.91%
Return on Invested Capital (ROIC)	22.88%
Return on Capital Employed (ROCE)	1.45%
Weighted Average Cost of Capital (WACC)	5.27%
Revenue Per Employee	43.96M
Profits Per Employee	1.04M
Employee Count	2,348
Asset Turnover	0.37
Inventory Turnover	n/a

Taxes

In the past 12 months, PSX:EFUL has paid 1.55 billion in taxes.

Income Tax	1.55B
Effective Tax Rate	38.75%

Stock Price Statistics

The stock price has decreased by -4.08% in the last 52 weeks. The beta is 0.15, so PSX:EFUL's price volatility has been lower than the market average.

Beta (5Y)	0.15
52-Week Price Change	-4.08%
50-Day Moving Average	165.48
200-Day Moving Average	158.47
Relative Strength Index (RSI)	36.66
Average Volume (20 Days)	7,626

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 103.23 billion and earned 2.44 billion in profits. Earnings per share was 23.26.

Revenue	103.23B
Gross Profit	8.86B
Operating Income	4.07B
Pretax Income	3.99B
Net Income	2.44B
EBITDA	4.65B
EBIT	4.07B
Earnings Per Share (EPS)	23.26

Balance Sheet

The company has 261.46 billion in cash and 1.13 billion in debt, with a net cash position of 8.10 billion or 77.18 per share.

Cash & Cash Equivalents	261.46B
Total Debt	1.13B
Net Cash	8.10B
Net Cash Per Share	77.18
Equity (Book Value)	10.12B
Book Value Per Share	96.38
Working Capital	255.15B

Cash Flow

In the last 12 months, operating cash flow was -14.80 billion and capital expenditures -787.31 million, giving a free cash flow of -15.59 billion.

Operating Cash Flow	-14.80B
Capital Expenditures	-787.31M
Free Cash Flow	-15.59B
FCF Per Share	-148.43

Margins

Gross margin is 8.58%, with operating and profit margins of 3.94% and 2.37%.

Gross Margin	8.58%
Operating Margin	3.94%
Pretax Margin	3.86%
Profit Margin	2.37%
EBITDA Margin	4.50%
EBIT Margin	3.94%
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 15.00, which amounts to a dividend yield of 10.33%.

Dividend Per Share	15.00
Dividend Yield	10.33%
Dividend Growth (YoY)	-10.00%
Years of Dividend Growth	n/a
Payout Ratio	64.49%
Buyback Yield	-1.21%
Shareholder Yield	8.74%
Earnings Yield	16.15%
FCF Yield	-103.05%

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	2