EFU Life Assurance Limited (PSX:EFUL)

EFU Life Assurance Statistics

Total Valuation

PSX:EFUL has a market cap or net worth of PKR 15.97 billion. The enterprise value is 12.67 billion.

Market Cap	15.97B
Enterprise Value	12.67B

Important Dates

The next estimated earnings date is Wednesday, August 20, 2025.

Earnings Date	Aug 20, 2025
Ex-Dividend Date	May 2, 2025

Share Statistics

PSX:EFUL has 105.00 million shares outstanding. The number of shares has increased by 5.02% in one year.

Current Share Class	105.00M
Shares Outstanding	105.00M
Shares Change (YoY)	+5.02%
Shares Change (QoQ)	-0.07%
Owned by Insiders (%)	15.51%
Owned by Institutions (%)	19.09%
Float	41.77M

Valuation Ratios

The trailing PE ratio is 5.60.

PE Ratio	5.60
Forward PE	n/a
PS Ratio	0.16
PB Ratio	1.84
P/TBV Ratio	1.90
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 2.39, with an EV/FCF ratio of -0.89.

EV / Earnings	4.45
EV / Sales	0.13
EV / EBITDA	2.39
EV / EBIT	2.77
EV / FCF	-0.89

Financial Position

The company has a current ratio of 18.06, with a Debt / Equity ratio of 0.10.

Current Ratio	18.06
Quick Ratio	18.04
Debt / Equity	0.10
Debt / EBITDA	0.16
Debt / FCF	-0.06
Interest Coverage	59.42

Financial Efficiency

Return on equity (ROE) is 37.04% and return on invested capital (ROIC) is 33.86%.

Return on Equity (ROE)	37.04%
Return on Assets (ROA)	1.19%
Return on Invested Capital (ROIC)	33.86%
Return on Capital Employed (ROCE)	1.82%
Revenue Per Employee	42.42M
Profits Per Employee	1.20M
Employee Count	2,369
Asset Turnover	0.42
Inventory Turnover	n/a

Taxes

In the past 12 months, PSX:EFUL has paid 1.80 billion in taxes.

Income Tax	1.80B
Effective Tax Rate	38.70%

Stock Price Statistics

The stock price has decreased by -18.66% in the last 52 weeks. The beta is 0.09, so PSX:EFUL's price volatility has been lower than the market average.

Beta (5Y)	0.09
52-Week Price Change	-18.66%
50-Day Moving Average	145.75
200-Day Moving Average	163.35
Relative Strength Index (RSI)	50.89
Average Volume (20 Days)	6,840

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 100.50 billion and earned 2.85 billion in profits. Earnings per share was 27.15.

Revenue	100.50B
Gross Profit	8.92B
Operating Income	4.57B
Pretax Income	4.65B
Net Income	2.85B
EBITDA	5.15B
EBIT	4.57B
Earnings Per Share (EPS)	27.15

Balance Sheet

The company has 231.02 billion in cash and 850.95 million in debt, giving a net cash position of 3.30 billion or 31.40 per share.

Cash & Cash Equivalents	231.02B
Total Debt	850.95M
Net Cash	3.30B
Net Cash Per Share	31.40
Equity (Book Value)	8.70B
Book Value Per Share	82.83
Working Capital	221.41B

Cash Flow

In the last 12 months, operating cash flow was -13.50 billion and capital expenditures -664.16 million, giving a free cash flow of -14.16 billion.

Operating Cash Flow	-13.50B
Capital Expenditures	-664.16M
Free Cash Flow	-14.16B
FCF Per Share	-134.89

Margins

Gross margin is 8.88%, with operating and profit margins of 4.55% and 2.84%.

Gross Margin	8.88%
Operating Margin	4.55%
Pretax Margin	4.63%
Profit Margin	2.84%
EBITDA Margin	5.12%
EBIT Margin	4.55%
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 15.00, which amounts to a dividend yield of 9.86%.

Dividend Per Share	15.00
Dividend Yield	9.86%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	92.08%
Buyback Yield	-5.02%
Shareholder Yield	4.84%
Earnings Yield	17.85%
FCF Yield	-88.68%

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