EFU Life Assurance Statistics

Total Valuation

PSX:EFUL has a market cap or net worth of PKR 14.70 billion. The enterprise value is 11.75 billion.

Market Cap	14.70B
Enterprise Value	11.75B

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: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 5.16.

PE Ratio	5.16
Forward PE	n/a
PS Ratio	0.15
PB Ratio	1.69
P/TBV Ratio	1.75
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 2.22, with an EV/FCF ratio of -0.83.

EV / Earnings	4.12
EV / Sales	0.12
EV / EBITDA	2.22
EV / EBIT	2.59
EV / FCF	-0.83

Financial Position

The company has a current ratio of 2.30, with a Debt / Equity ratio of 0.10.

Current Ratio	2.30
Quick Ratio	2.21
Debt / Equity	0.10
Debt / EBITDA	0.16
Debt / FCF	-0.06
Interest Coverage	58.86

Financial Efficiency

Return on equity (ROE) is 37.04% and return on invested capital (ROIC) is 33.54%.

Return on Equity (ROE)	37.04%
Return on Assets (ROA)	1.18%
Return on Invested Capital (ROIC)	33.54%
Return on Capital Employed (ROCE)	1.74%
Revenue Per Employee	42.40M
Profits Per Employee	1.20M
Employee Count	2,369
Asset Turnover	0.42
Inventory Turnover	n/a

Taxes

Income Tax	n/a
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has decreased by -27.09% 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	-27.09%
50-Day Moving Average	148.11
200-Day Moving Average	165.94
Relative Strength Index (RSI)	45.93
Average Volume (20 Days)	10,571

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

Revenue	100.45B
Gross Profit	8.84B
Operating Income	4.53B
Pretax Income	4.65B
Net Income	2.85B
EBITDA	5.13B
EBIT	4.53B
Earnings Per Share (EPS)	27.15

Full Income Statement

Balance Sheet

The company has 3.80 billion in cash and 850.95 million in debt, giving a net cash position of 2.95 billion or 28.09 per share.

Cash & Cash Equivalents	3.80B
Total Debt	850.95M
Net Cash	2.95B
Net Cash Per Share	28.09
Equity (Book Value)	8.70B
Book Value Per Share	82.83
Working Capital	4.05B

Full Balance Sheet

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

Full Cash Flow Statement

Margins

Gross margin is 8.80%, with operating and profit margins of 4.51% and 2.84%.

Gross Margin	8.80%
Operating Margin	4.51%
Pretax Margin	4.63%
Profit Margin	2.84%
EBITDA Margin	5.10%
EBIT Margin	4.51%
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 15.00, which amounts to a dividend yield of 10.65%.

Dividend Per Share	15.00
Dividend Yield	10.65%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	92.08%
Buyback Yield	-5.02%
Shareholder Yield	5.63%
Earnings Yield	19.40%
FCF Yield	-96.36%

Dividend Details

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	n/a