Pakistan · Delayed Price · Currency is PKR EFU Life Assurance Statistics
Total Valuation
PSX:EFUL has a market cap or net worth of PKR 11.96 billion. The enterprise value is 9.16 billion.
| Market Cap | 11.96B |
| Enterprise Value | 9.16B |
Important Dates
The last earnings date was Tuesday, October 27, 2026.
| Earnings Date | Oct 27, 2026 |
| Ex-Dividend Date | Nov 3, 2026 |
Share Statistics
PSX:EFUL has 105.00 million shares outstanding. The number of shares has decreased by -0.02% in one year.
| Current Share Class | 105.00M |
| Shares Outstanding | 105.00M |
| Shares Change (YoY) | -0.02% |
| Shares Change (QoQ) | -0.09% |
| Owned by Insiders (%) | 6.81% |
| Owned by Institutions (%) | 19.33% |
| Float | 31.27M |
Valuation Ratios
The trailing PE ratio is 5.25.
| PE Ratio | 5.25 |
| Forward PE | n/a |
| PS Ratio | 0.14 |
| PB Ratio | 1.16 |
| P/TBV Ratio | 1.17 |
| P/FCF Ratio | n/a |
| P/OCF Ratio | n/a |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 4.02 |
| EV / Sales | 0.11 |
| EV / EBITDA | 2.09 |
| EV / EBIT | 2.57 |
| EV / FCF | n/a |
Financial Position
The company has a current ratio of 3.25, with a Debt / Equity ratio of 0.11.
| Current Ratio | 3.25 |
| Quick Ratio | 3.12 |
| Debt / Equity | 0.11 |
| Debt / EBITDA | 0.25 |
| Debt / FCF | n/a |
| Interest Coverage | 22.18 |
Financial Efficiency
Return on equity (ROE) is 22.78% and return on invested capital (ROIC) is 20.28%.
| Return on Equity (ROE) | 22.78% |
| Return on Assets (ROA) | 0.75% |
| Return on Invested Capital (ROIC) | 20.28% |
| Return on Capital Employed (ROCE) | 1.19% |
| Weighted Average Cost of Capital (WACC) | 6.74% |
| Revenue Per Employee | 36.62M |
| Profits Per Employee | 969,683 |
| Employee Count | 2,348 |
| Asset Turnover | 0.29 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, PSX:EFUL has paid 1.24 billion in taxes.
| Income Tax | 1.24B |
| Effective Tax Rate | 35.29% |
Stock Price Statistics
The stock price has decreased by -25.09% in the last 52 weeks. The beta is 0.41, so PSX:EFUL's price volatility has been lower than the market average.
| Beta (5Y) | 0.41 |
| 52-Week Price Change | -25.09% |
| 50-Day Moving Average | 134.95 |
| 200-Day Moving Average | 150.77 |
| Relative Strength Index (RSI) | 37.27 |
| Average Volume (20 Days) | 3,164 |
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 85.99 billion and earned 2.28 billion in profits. Earnings per share was 21.69.
| Revenue | 85.99B |
| Gross Profit | 9.12B |
| Operating Income | 3.56B |
| Pretax Income | 3.52B |
| Net Income | 2.28B |
| EBITDA | 4.20B |
| EBIT | 3.56B |
| Earnings Per Share (EPS) | 21.69 |
Balance Sheet
The company has 3.92 billion in cash and 1.12 billion in debt, with a net cash position of 2.80 billion or 26.68 per share.
| Cash & Cash Equivalents | 3.92B |
| Total Debt | 1.12B |
| Net Cash | 2.80B |
| Net Cash Per Share | 26.68 |
| Equity (Book Value) | 10.35B |
| Book Value Per Share | 98.59 |
| Working Capital | 6.04B |
Cash Flow
In the last 12 months, operating cash flow was -11.88 billion and capital expenditures -710.93 million, giving a free cash flow of -12.59 billion.
| Operating Cash Flow | -11.88B |
| Capital Expenditures | -710.93M |
| Depreciation & Amortization | n/a |
| Net Borrowing | -257.44M |
| Free Cash Flow | -12.59B |
| FCF Per Share | -119.88 |
Margins
Gross margin is 10.60%, with operating and profit margins of 4.14% and 2.65%.
| Gross Margin | 10.60% |
| Operating Margin | 4.14% |
| Pretax Margin | 4.09% |
| Profit Margin | 2.65% |
| EBITDA Margin | 4.88% |
| EBIT Margin | 4.14% |
| FCF Margin | n/a |
Dividends & Yields
This stock pays an annual dividend of 15.00, which amounts to a dividend yield of 13.17%.
| Dividend Per Share | 15.00 |
| Dividend Yield | 13.17% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | 69.18% |
| FCF Payout Ratio | n/a |
| Buyback Yield | 0.02% |
| Shareholder Yield | 13.19% |
| Earnings Yield | 19.05% |
| FCF Yield | -105.28% |
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 | |
| Graham Formula Value | |
| Graham Formula 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 |