EFU General Insurance Limited (PSX:EFUG)

EFU General Insurance Statistics

Total Valuation

PSX:EFUG has a market cap or net worth of PKR 24.11 billion. The enterprise value is 23.86 billion.

Market Cap	24.11B
Enterprise Value	23.86B

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:EFUG has 200.00 million shares outstanding.

Current Share Class	200.00M
Shares Outstanding	200.00M
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	27.03%
Owned by Institutions (%)	12.52%
Float	73.39M

Valuation Ratios

The trailing PE ratio is 6.21.

PE Ratio	6.21
Forward PE	n/a
PS Ratio	0.20
PB Ratio	0.79
P/TBV Ratio	1.11
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 2.11, with an EV/FCF ratio of -1.67.

EV / Earnings	6.15
EV / Sales	0.20
EV / EBITDA	2.11
EV / EBIT	2.50
EV / FCF	-1.67

Financial Position

The company has a current ratio of 3.78, with a Debt / Equity ratio of 0.03.

Current Ratio	3.78
Quick Ratio	3.29
Debt / Equity	0.03
Debt / EBITDA	0.08
Debt / FCF	-0.07
Interest Coverage	99.57

Financial Efficiency

Return on equity (ROE) is 18.57% and return on invested capital (ROIC) is 20.63%.

Return on Equity (ROE)	18.57%
Return on Assets (ROA)	1.93%
Return on Invested Capital (ROIC)	20.63%
Return on Capital Employed (ROCE)	3.43%
Revenue Per Employee	32.41M
Profits Per Employee	1.06M
Employee Count	3,653
Asset Turnover	0.38
Inventory Turnover	n/a

Taxes

Income Tax	n/a
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has increased by +43.30% in the last 52 weeks. The beta is -0.14, so PSX:EFUG's price volatility has been lower than the market average.

Beta (5Y)	-0.14
52-Week Price Change	+43.30%
50-Day Moving Average	121.77
200-Day Moving Average	108.56
Relative Strength Index (RSI)	52.38
Average Volume (20 Days)	1,789

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:EFUG had revenue of PKR 118.38 billion and earned 3.88 billion in profits. Earnings per share was 19.40.

Revenue	118.38B
Gross Profit	17.90B
Operating Income	9.55B
Pretax Income	8.98B
Net Income	3.88B
EBITDA	11.07B
EBIT	9.55B
Earnings Per Share (EPS)	19.40

Balance Sheet

The company has 184.40 billion in cash and 958.86 million in debt, giving a net cash position of 5.59 billion or 27.93 per share.

Cash & Cash Equivalents	184.40B
Total Debt	958.86M
Net Cash	5.59B
Net Cash Per Share	27.93
Equity (Book Value)	30.41B
Book Value Per Share	125.36
Working Capital	164.07B

Cash Flow

In the last 12 months, operating cash flow was -13.34 billion and capital expenditures -946.72 million, giving a free cash flow of -14.29 billion.

Operating Cash Flow	-13.34B
Capital Expenditures	-946.72M
Free Cash Flow	-14.29B
FCF Per Share	-71.44

Margins

Gross margin is 15.12%, with operating and profit margins of 8.07% and 3.28%.

Gross Margin	15.12%
Operating Margin	8.07%
Pretax Margin	7.59%
Profit Margin	3.28%
EBITDA Margin	9.35%
EBIT Margin	8.07%
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 10.00, which amounts to a dividend yield of 8.59%.

Dividend Per Share	10.00
Dividend Yield	8.59%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	86.99%
Buyback Yield	n/a
Shareholder Yield	8.59%
Earnings Yield	16.09%
FCF Yield	-59.27%

Stock Splits

The last stock split was on March 25, 2016. It was a forward split with a ratio of 1.25.

Last Split Date	Mar 25, 2016
Split Type	Forward
Split Ratio	1.25

Scores

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