EFU General Insurance Limited (PSX:EFUG)
Pakistan
· Delayed Price · Currency is PKR 126.04
-2.19 (-1.71%)
At close: Mar 6, 2026
EFU General Insurance Income Statement
Financials in millions PKR. Fiscal year is January - December.
Millions PKR. Fiscal year is Jan - Dec.
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | 2020 - 2016 |
|---|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | 2020 - 2016 |
| Premiums & Annuity Revenue | 67,014 | 53,904 | 48,750 | 48,721 | 46,118 | Upgrade
|
| Total Interest & Dividend Income | 34,155 | 41,540 | 35,036 | 20,993 | 13,335 | Upgrade
|
| Gain (Loss) on Sale of Investments | 22,113 | 22,629 | 6,368 | -5,028 | -4,507 | Upgrade
|
| Other Revenue | 534.24 | 552.96 | 617.48 | 251.3 | 143.25 | Upgrade
|
| Total Revenue | 123,816 | 118,626 | 90,771 | 64,938 | 55,089 | Upgrade
|
| Revenue Growth (YoY) | 4.38% | 30.69% | 39.78% | 17.88% | -12.40% | Upgrade
|
| Policy Benefits | 55,116 | 89,915 | 66,177 | 45,284 | 35,725 | Upgrade
|
| Policy Acquisition & Underwriting Costs | 13,754 | 10,362 | 9,335 | 9,805 | 9,480 | Upgrade
|
| Selling, General & Administrative | 8,574 | 8,404 | 7,356 | 6,534 | 5,883 | Upgrade
|
| Other Operating Expenses | -188.99 | 368.1 | 403.08 | -829.28 | -674.97 | Upgrade
|
| Total Operating Expenses | 77,255 | 109,050 | 83,271 | 60,793 | 50,413 | Upgrade
|
| Operating Income | 46,561 | 9,576 | 7,501 | 4,145 | 4,676 | Upgrade
|
| Interest Expense | -156.97 | -92.18 | -82.67 | -13.13 | -10.71 | Upgrade
|
| Earnings From Equity Investments | 2.35 | - | - | - | - | Upgrade
|
| Currency Exchange Gain (Loss) | - | -1.6 | 7.2 | -28.95 | 2.25 | Upgrade
|
| Other Non Operating Income (Expenses) | -34,151 | 654.5 | 696.37 | 5.78 | - | Upgrade
|
| EBT Excluding Unusual Items | 12,255 | 10,137 | 8,122 | 4,109 | 4,667 | Upgrade
|
| Impairment of Goodwill | -886.07 | -1,690 | -363.19 | -1,969 | - | Upgrade
|
| Gain (Loss) on Sale of Assets | - | 311.76 | 321.94 | 122.71 | 82.2 | Upgrade
|
| Asset Writedown | 269.25 | 269.72 | 170.18 | 449.53 | 78.42 | Upgrade
|
| Other Unusual Items | - | 34.23 | 21.38 | 12.48 | 12.5 | Upgrade
|
| Pretax Income | 11,639 | 9,063 | 8,272 | 2,725 | 4,841 | Upgrade
|
| Income Tax Expense | 4,800 | 3,847 | 4,110 | 1,599 | 1,609 | Upgrade
|
| Earnings From Continuing Ops. | 6,838 | 5,216 | 4,162 | 1,126 | 3,232 | Upgrade
|
| Minority Interest in Earnings | -1,190 | -1,433 | -889.73 | -704.34 | -626.25 | Upgrade
|
| Net Income | 5,648 | 3,783 | 3,273 | 421.47 | 2,606 | Upgrade
|
| Net Income to Common | 5,648 | 3,783 | 3,273 | 421.47 | 2,606 | Upgrade
|
| Net Income Growth | 49.31% | 15.58% | 676.51% | -83.83% | 7.57% | Upgrade
|
| Shares Outstanding (Basic) | 200 | 200 | 200 | 200 | 200 | Upgrade
|
| Shares Outstanding (Diluted) | 200 | 200 | 200 | 200 | 200 | Upgrade
|
| Shares Change (YoY) | 0.00% | - | - | - | - | Upgrade
|
| EPS (Basic) | 28.24 | 18.91 | 16.36 | 2.11 | 13.03 | Upgrade
|
| EPS (Diluted) | 28.24 | 18.91 | 16.36 | 2.11 | 13.03 | Upgrade
|
| EPS Growth | 49.31% | 15.58% | 676.51% | -83.83% | 7.57% | Upgrade
|
| Free Cash Flow | -16,442 | -14,896 | -7,519 | 3,661 | 1,054 | Upgrade
|
| Free Cash Flow Per Share | -82.21 | -74.48 | -37.59 | 18.30 | 5.27 | Upgrade
|
| Dividend Per Share | - | 10.000 | 10.000 | 10.000 | 10.000 | Upgrade
|
| Operating Margin | 37.60% | 8.07% | 8.26% | 6.38% | 8.49% | Upgrade
|
| Profit Margin | 4.56% | 3.19% | 3.60% | 0.65% | 4.73% | Upgrade
|
| Free Cash Flow Margin | -13.28% | -12.56% | -8.28% | 5.64% | 1.91% | Upgrade
|
| EBITDA | 48,173 | 11,063 | 8,786 | 5,312 | 5,893 | Upgrade
|
| EBITDA Margin | 38.91% | 9.33% | 9.68% | 8.18% | 10.70% | Upgrade
|
| D&A For EBITDA | 1,612 | 1,486 | 1,285 | 1,167 | 1,217 | Upgrade
|
| EBIT | 46,561 | 9,576 | 7,501 | 4,145 | 4,676 | Upgrade
|
| EBIT Margin | 37.60% | 8.07% | 8.26% | 6.38% | 8.49% | Upgrade
|
| Effective Tax Rate | 41.25% | 42.45% | 49.68% | 58.68% | 33.23% | Upgrade
|
Source: S&P Capital IQ. Insurance template. Financial Sources.