EFU Life Assurance Limited (PSX:EFUL)
Pakistan
· Delayed Price · Currency is PKR 143.12
-2.88 (-1.97%)
At close: Apr 28, 2026
EFU Life Assurance Income Statement
Financials in millions PKR. Fiscal year is January - December.
Millions PKR. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | 2020 - 2016 |
|---|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | 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 | 54,692 | 52,623 | 39,517 | 36,404 | 38,471 | 36,350 | Upgrade
|
| Total Interest & Dividend Income | 27,643 | 29,269 | 38,906 | 32,897 | 19,211 | 11,869 | Upgrade
|
| Gain (Loss) on Sale of Investments | 8,551 | 21,285 | 22,556 | 6,239 | -4,771 | -4,488 | Upgrade
|
| Other Revenue | 52.26 | 52.26 | 52.24 | 50.09 | 46.26 | 49.22 | Upgrade
|
| Total Revenue | 90,938 | 103,229 | 101,032 | 75,589 | 52,958 | 43,781 | Upgrade
|
| Revenue Growth (YoY) | -9.51% | 2.17% | 33.66% | 42.73% | 20.96% | -16.64% | Upgrade
|
| Policy Benefits | 70,813 | 83,247 | 84,207 | 61,054 | 39,684 | 31,451 | Upgrade
|
| Policy Acquisition & Underwriting Costs | 11,345 | 11,070 | 7,703 | 7,208 | 7,863 | 7,872 | Upgrade
|
| Selling, General & Administrative | 4,836 | 4,702 | 4,132 | 3,259 | 2,577 | 2,325 | Upgrade
|
| Other Operating Expenses | 86.08 | 73.93 | 69.92 | 42.08 | 40.67 | 40.06 | Upgrade
|
| Total Operating Expenses | 87,148 | 99,160 | 96,199 | 71,685 | 50,164 | 41,688 | Upgrade
|
| Operating Income | 3,790 | 4,069 | 4,833 | 3,904 | 2,794 | 2,093 | Upgrade
|
| Interest Expense | -157.86 | -140.97 | -74.2 | -70.62 | - | - | Upgrade
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| Earnings From Equity Investments | -7.24 | 2.35 | - | - | - | - | Upgrade
|
| Other Non Operating Income (Expenses) | 4.09 | 0.33 | 2.56 | 0.04 | 0.05 | - | Upgrade
|
| EBT Excluding Unusual Items | 3,629 | 3,931 | 4,761 | 3,834 | 2,794 | 2,093 | Upgrade
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| Gain (Loss) on Sale of Assets | 51.17 | 51.17 | 161.47 | 140.03 | 42.27 | 37.06 | Upgrade
|
| Other Unusual Items | 5.12 | 5.12 | 33.91 | 21.09 | 5.76 | 11.8 | Upgrade
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| Pretax Income | 3,686 | 3,987 | 4,957 | 3,995 | 2,842 | 2,142 | Upgrade
|
| Income Tax Expense | 1,488 | 1,545 | 1,969 | 1,930 | 1,150 | 633.47 | Upgrade
|
| Net Income | 2,198 | 2,442 | 2,987 | 2,065 | 1,692 | 1,508 | Upgrade
|
| Net Income to Common | 2,198 | 2,442 | 2,987 | 2,065 | 1,692 | 1,508 | Upgrade
|
| Net Income Growth | -22.90% | -18.25% | 44.70% | 22.01% | 12.20% | -15.47% | Upgrade
|
| Shares Outstanding (Basic) | 105 | 105 | 104 | 100 | 100 | 100 | Upgrade
|
| Shares Outstanding (Diluted) | 105 | 105 | 104 | 100 | 100 | 100 | Upgrade
|
| Shares Change (YoY) | 0.30% | 1.21% | 3.75% | - | - | - | Upgrade
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| EPS (Basic) | 20.87 | 23.26 | 28.79 | 20.65 | 16.92 | 15.08 | Upgrade
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| EPS (Diluted) | 20.87 | 23.26 | 28.79 | 20.65 | 16.92 | 15.08 | Upgrade
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| EPS Growth | -23.13% | -19.23% | 39.47% | 22.01% | 12.20% | -15.46% | Upgrade
|
| Free Cash Flow | -15,190 | -15,585 | -15,328 | -7,962 | 926.09 | 1,236 | Upgrade
|
| Free Cash Flow Per Share | -144.23 | -148.43 | -147.74 | -79.62 | 9.26 | 12.36 | Upgrade
|
| Dividend Per Share | 15.000 | 15.000 | 15.000 | 15.000 | 15.000 | 15.000 | Upgrade
|
| Operating Margin | 4.17% | 3.94% | 4.78% | 5.17% | 5.28% | 4.78% | Upgrade
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| Profit Margin | 2.42% | 2.37% | 2.96% | 2.73% | 3.19% | 3.45% | Upgrade
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| Free Cash Flow Margin | -16.70% | -15.10% | -15.17% | -10.53% | 1.75% | 2.82% | Upgrade
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| EBITDA | 4,386 | 4,645 | 5,424 | 4,288 | 3,149 | 2,436 | Upgrade
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| EBITDA Margin | 4.82% | 4.50% | 5.37% | 5.67% | 5.95% | 5.56% | Upgrade
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| D&A For EBITDA | 596.09 | 575.92 | 590.59 | 383.46 | 354.61 | 343.04 | Upgrade
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| EBIT | 3,790 | 4,069 | 4,833 | 3,904 | 2,794 | 2,093 | Upgrade
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| EBIT Margin | 4.17% | 3.94% | 4.78% | 5.17% | 5.28% | 4.78% | Upgrade
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| Effective Tax Rate | 40.36% | 38.75% | 39.73% | 48.32% | 40.46% | 29.58% | Upgrade
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| Revenue as Reported | 90,998 | 103,286 | 101,230 | 75,751 | 53,006 | 43,829 | Upgrade
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Source: S&P Capital IQ. Insurance template. Financial Sources.