EFU Life Assurance Statistics

Total Valuation

PSX:EFUL has a market cap or net worth of PKR 15.03 billion. The enterprise value is 11.79 billion.

Market Cap	15.03B
Enterprise Value	11.79B

Important Dates

The last earnings date was Thursday, April 23, 2026.

Earnings Date	Apr 23, 2026
Ex-Dividend Date	May 4, 2026

Share Statistics

PSX:EFUL has 105.00 million shares outstanding. The number of shares has increased by 0.30% in one year.

Current Share Class	105.00M
Shares Outstanding	105.00M
Shares Change (YoY)	+0.30%
Shares Change (QoQ)	-0.00%
Owned by Insiders (%)	6.81%
Owned by Institutions (%)	19.33%
Float	31.27M

Valuation Ratios

The trailing PE ratio is 6.86.

PE Ratio	6.86
Forward PE	n/a
PS Ratio	0.17
PB Ratio	1.60
P/TBV Ratio	1.64
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 2.59, with an EV/FCF ratio of -0.78.

EV / Earnings	5.37
EV / Sales	0.13
EV / EBITDA	2.59
EV / EBIT	3.12
EV / FCF	-0.78

Financial Position

The company has a current ratio of 3.52, with a Debt / Equity ratio of 0.12.

Current Ratio	3.52
Quick Ratio	3.41
Debt / Equity	0.12
Debt / EBITDA	0.25
Debt / FCF	-0.07
Interest Coverage	24.01

Financial Efficiency

Return on equity (ROE) is 24.31% and return on invested capital (ROIC) is 20.76%.

Return on Equity (ROE)	24.31%
Return on Assets (ROA)	0.86%
Return on Invested Capital (ROIC)	20.76%
Return on Capital Employed (ROCE)	1.33%
Weighted Average Cost of Capital (WACC)	5.83%
Revenue Per Employee	38.73M
Profits Per Employee	936,126
Employee Count	2,348
Asset Turnover	0.33
Inventory Turnover	n/a

Taxes

In the past 12 months, PSX:EFUL has paid 1.49 billion in taxes.

Income Tax	1.49B
Effective Tax Rate	40.36%

Stock Price Statistics

The stock price has increased by +1.69% in the last 52 weeks. The beta is 0.25, so PSX:EFUL's price volatility has been lower than the market average.

Beta (5Y)	0.25
52-Week Price Change	+1.69%
50-Day Moving Average	151.15
200-Day Moving Average	157.66
Relative Strength Index (RSI)	46.90
Average Volume (20 Days)	38,452

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 90.94 billion and earned 2.20 billion in profits. Earnings per share was 20.87.

Revenue	90.94B
Gross Profit	8.72B
Operating Income	3.79B
Pretax Income	3.69B
Net Income	2.20B
EBITDA	4.39B
EBIT	3.79B
Earnings Per Share (EPS)	20.87

Full Income Statement

Balance Sheet

The company has 4.37 billion in cash and 1.14 billion in debt, giving a net cash position of 3.24 billion or 30.81 per share.

Cash & Cash Equivalents	4.37B
Total Debt	1.14B
Net Cash	3.24B
Net Cash Per Share	30.81
Equity (Book Value)	9.38B
Book Value Per Share	89.37
Working Capital	6.74B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was -14.36 billion and capital expenditures -832.48 million, giving a free cash flow of -15.19 billion.

Operating Cash Flow	-14.36B
Capital Expenditures	-832.48M
Depreciation & Amortization	n/a
Net Borrowing	-245.46M
Free Cash Flow	-15.19B
FCF Per Share	-144.67

Full Cash Flow Statement

Margins

Gross margin is 9.59%, with operating and profit margins of 4.17% and 2.42%.

Gross Margin	9.59%
Operating Margin	4.17%
Pretax Margin	4.05%
Profit Margin	2.42%
EBITDA Margin	4.82%
EBIT Margin	4.17%
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 15.00, which amounts to a dividend yield of 10.27%.

Dividend Per Share	15.00
Dividend Yield	10.27%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	71.87%
Buyback Yield	-0.30%
Shareholder Yield	10.04%
Earnings Yield	14.63%
FCF Yield	-101.08%

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	2