EFU General Insurance Limited (EFUG) Financial Statements, Ratios & Dividends
About
EFU General Insurance Ltd. engages in the provision of insurance services to commercial and individual clients. It operates through the following segments: Fire and Property Damage; Marine, Aviation, and Transport; Motor; and Miscellaneous. The Fire and Property Damage segment compensates the customers for damage suffered to their property. The Marine, Aviation, and Transport segment provides coverage against loss and damage to goods in transit by any means of conveyance, physical loss or damage to aircraft, ships, and liabilities to third parties and passengers arising from their use. The Motor segment covers physical loss or damage to the vehicle and liabilities to third parties as provided under the requirements of the Motor Vehicle Ordinance, 1965. The Miscellaneous segment covers contracts like cash in hand, cash in transit, personal accident, infidelity, public liabilities, health, crop, livestock, travel, bankers and other financial institutions packages, product liabilities, professional indemnity, and workers compensation. The company was founded by Ghulam Mohammad on September 2, 1932 and is headquartered in Karachi, Pakistan.
Financial Highlights
| FY2025 | FY2024 | ||
|---|---|---|---|
| Revenue | 104.57B | 99.13B | |
| Net Income | 5.65B | 3.78B | |
| EPS | 28.24 | 18.91 | |
| ROE | 20.89% | 16.23% | |
| ROA | 1.62% | 1.26% | |
| Net Margin | 5.40% | 3.81% | |
| Current Ratio | 1.36 | 1.22 | |
| DPS | 10.00 | 10.00 | |
| Free Cash Flow | 15.20B | 27.95B |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Total Revenue | 104.57B | 99.13B | |
| SG&A Expenses | -22.66B | -18.91B | |
| Other Operating Expense | 19.99B | 20.63B | |
| Total Operating Expense | -91.93B | -88.30B | |
| Operating Income (EBIT) | 12.64B | 10.83B | |
| Interest Income | 0 | 0 | |
| Interest Expense | -206.75M | -137.71M | |
| Equity in Earnings | — | 0 | |
| Other Non-Operating Income | -410.49M | -205.30M | |
| Total Non-Operating Income | -1.00B | -1.77B | |
| Pre-Tax Income | 11.64B | 9.06B | |
| Income Tax | -4.80B | -3.84B | |
| Minority Interest | -1.19B | -1.43B | |
| Net Income | 5.65B | 3.78B | |
| EPS (Basic) | 28.24 | 18.91 | |
| EPS (Diluted) | 28.24 | 18.91 | |
| Operating Margin | 12.09% | 10.92% | |
| Pre-Tax Margin | 11.13% | 9.14% | |
| Net Margin | 5.40% | 3.81% |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Profitability | |||
| Return on Equity (ROE) | 20.89% | 16.23% | |
| Return on Assets (ROA) | 1.62% | 1.26% | |
| Return on Invested Capital | 20.24% | 15.79% | |
| Operating Margin | 12.09% | 10.92% | |
| Net Margin | 5.40% | 3.81% | |
| Pre-Tax Margin | 11.13% | 9.14% | |
| Liquidity | |||
| Current Ratio | 1.36 | 1.22 | |
| Leverage | |||
| Debt / Equity | 0.04 | 0.03 | |
| Debt / Assets | 0.00 | 0.00 | |
| LT Debt / Equity | 0.04 | 0.03 | |
| LT Debt / Assets | 0.00 | 0.00 | |
| Net Debt | -7.60B | -7.12B | |
| Total Debt | 1.23B | 732.85M | |
| Efficiency | |||
| Asset Turnover | 0.30 | 0.33 | |
| Per Share | |||
| Book Value Per Share | 143.98 | 126.36 | |
| Tangible Book Per Share | 131.43 | 108.58 | |
| Total Debt Per Share | 6.13 | 3.66 | |
| Working Capital Per Share | 55.45 | 31.43 | |
| Shares & Market | |||
| Total Shares Outstanding | 200,000,000 | 200,000,000 | |
| Market Cap | 24.22B | 23.21B | |
| Enterprise Value | 31.48B | 29.62B | |
| Employees | 966 | 998 | |
| Shareholders | 1,481 | 1,481 | |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Dividends Per Share | 10.00 | 10.00 | |
| Dividend Yield | 8.26% | 8.62% | |
| Payout Ratio | 35.41% | 52.89% | |
| Total Dividends Paid | -2.81B | -2.77B |
| FY2025 | FY2024 | ||
|---|---|---|---|
| P/E Ratio | 4.29 | 6.14 | |
| P/B Ratio | 0.84 | 0.92 | |
| P/S Ratio | 0.23 | 0.23 | |
| P/CF Ratio | 1.47 | 0.80 | |
| Market Cap | 24.22B | 23.21B | |
| Enterprise Value | 31.48B | 29.62B |
| TTM | ||
|---|---|---|
| Income | ||
| Revenue | 108.63B | |
| Operating Income | 12.18B | |
| Net Income | 5.46B | |
| Free Cash Flow | 15.28B | |
| EPS (Basic) | 27.30 | |
| Margins | ||
| Operating Margin | 11.21% | |
| Net Margin | 5.03% | |
| Returns | ||
| Return on Equity (ROE) | 19.48% | |
| ROIC | 0.19% | |
| Coverage & Debt | ||
| Dividend Coverage | 19.12 | |
| Debt / Revenue | 0.01 | |
| Valuation & Scores | ||
| P/E (TTM) | 4.54 | |
| Sloan Ratio | 1.00 | |
| Zmijewski Score | 0.75 | |
Computed Metrics (Latest Period)
| FY2025 | ||
|---|---|---|
| Extended Returns | ||
| Return on Common Equity | 20.89% | |
| Return on Tangible Equity | 23.53% | |
| Return on Tangible Assets | 1.62% | |
| Return on Total Capital | 37.33% | |
| ROCE | 3.92% | |
| Growth | ||
| EPS Diluted Growth | 0.49% | |
| Sustainable Growth Rate | 13.49% | |
| Quality & Risk Scores | ||
| Zmijewski Score | 0.75 | |
| Sloan Ratio | -0.30 | |
| Valuation (Computed) | ||
| Graham Number | 302.46 | |
| Tobin's Q Ratio | 0.06 | |
| Leverage & Coverage | ||
| Total Debt / Capital | 0.04% | |
| Assets / Equity (Leverage) | 13.03 | |
| Effective Interest Rate | 21.11% | |
| Debt / Revenue | 0.01 | |
| Efficiency (Computed) | ||
| Fixed Asset Turnover | 10.22 | |
| Dividends (Computed) | ||
| Dividend Coverage | 18.18 | |
| Share Buyback Ratio | 0.00 | |
| Per Employee | ||
| Revenue / Employee | 108.25M | |
| Net Income / Employee | 5.85M | |
| Oper. Income / Employee | 13.09M | |
| Total Assets / Employee | 388.47M | |
| Balance Sheet (Computed) | ||
| Book Value Per Share | 143.98 | |
| Earnings Schedule | ||
Insurance Metrics
| FY2025 | FY2024 | ||
|---|---|---|---|
| Underwriting | |||
| Premiums Earned | 67.01B | 54.01B | |
| Losses & Adjustments | -55.12B | -46.94B | |
| Claims & Reserves | -89.27B | -90.02B | |
| Underwriting Commissions | -14.14B | -10.72B | |
| Investment Income | 31.96B | 42.28B | |
| Insurance Ratios | |||
| Loss Ratio | 82.25% | 86.91% | |
| Expense Ratio | 33.81% | 35.01% | |
| Combined Ratio | 116.05% | 121.92% | |
| Claims / Premiums | 82.18% | 85.97% | |
| Equity Ratio | 0.09% | 0.09% | |
| Investment Income / Assets | 10.23% | 15.41% | |
| Premiums / Equity | 248.07% | 234.39% | |
| Insurance Liabilities | |||
| Policy Liabilities | 46.15B | 38.38B | |
| Unearned Premiums | 20.67B | 18.32B | |
| Policy Claims | 14.54B | 13.05B | |
| Premium Receivables | 9.85B | 9.03B | |