EFUL Life/Health Insurance
Finance
109.53 -3.10%
Mkt Cap
17.0B
P/E (TTM)
6.57
EPS (TTM)
17.20
ROE (TTM)
26.04%
Div Yield
10.23%
EFU Life Assurance Limited (EFUL) Financial Statements, Ratios & Dividends
About
EFU Life Assurance Ltd. engages in the provision of life insurance services. It operates through the Family Takaful Investment Linked Business and Family Takaful Protection Business segments. The Family Takaful Investment Linked Business segment provides family takaful coverage to individuals under unit-linked policies. The Family Takaful Protection Business segment offers family takaful coverage to member of business enterprises, corporate entities, and common interest groups under group family takaful scheme operated by the company. The company was founded on August 9, 1992 and is headquartered in Karachi, Pakistan.
Financial Highlights
| FY2025 | FY2024 | ||
|---|---|---|---|
| Revenue | 82.86B | 79.93B | |
| Net Income | 2.44B | 2.99B | |
| EPS | 16.71 | 20.68 | |
| ROE | 25.29% | 37.02% | |
| ROA | 0.88% | 1.27% | |
| Net Margin | 2.95% | 3.74% | |
| Current Ratio | 2.95 | 2.24 | |
| DPS | 10.77 | 10.77 | |
| Free Cash Flow | 13.56B | 24.51B |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Total Revenue | 82.86B | 79.93B | |
| SG&A Expenses | -15.29B | -11.50B | |
| Other Operating Expense | 20.34B | 21.12B | |
| Total Operating Expense | -78.68B | -74.91B | |
| Operating Income (EBIT) | 4.18B | 5.01B | |
| Interest Income | 0 | 0 | |
| Interest Expense | -185.47M | -115.07M | |
| Equity in Earnings | 2.35M | 0 | |
| Other Non-Operating Income | -44.96M | 46.54M | |
| Total Non-Operating Income | -194.82M | -55.27M | |
| Pre-Tax Income | 3.99B | 4.96B | |
| Income Tax | -1.55B | -1.97B | |
| Minority Interest | 0 | 0 | |
| Net Income | 2.44B | 2.99B | |
| EPS (Basic) | 16.71 | 20.68 | |
| EPS (Diluted) | 16.71 | 20.68 | |
| Operating Margin | 5.04% | 6.27% | |
| Pre-Tax Margin | 4.81% | 6.20% | |
| Net Margin | 2.95% | 3.74% |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Profitability | |||
| Return on Equity (ROE) | 25.29% | 37.02% | |
| Return on Assets (ROA) | 0.88% | 1.27% | |
| Return on Invested Capital | 23.74% | 34.67% | |
| Operating Margin | 5.04% | 6.27% | |
| Net Margin | 2.95% | 3.74% | |
| Pre-Tax Margin | 4.81% | 6.20% | |
| Liquidity | |||
| Current Ratio | 2.95 | 2.24 | |
| Leverage | |||
| Debt / Equity | 0.11 | 0.07 | |
| Debt / Assets | 0.00 | 0.00 | |
| LT Debt / Equity | 0.07 | 0.06 | |
| LT Debt / Assets | 0.00 | 0.00 | |
| Net Debt | -8.10B | -5.40B | |
| Total Debt | 1.13B | 614.06M | |
| Efficiency | |||
| Asset Turnover | 0.30 | 0.34 | |
| Per Share | |||
| Book Value Per Share | 69.23 | 62.87 | |
| Tangible Book Per Share | 67.45 | 60.64 | |
| Total Debt Per Share | 7.74 | 4.25 | |
| Working Capital Per Share | 205.24 | 106.87 | |
| Shares & Market | |||
| Total Shares Outstanding | 146,180,104 | 146,180,104 | |
| Market Cap | 16.70B | 17.92B | |
| Enterprise Value | 17.83B | 18.32B | |
| Employees | 2,348 | 2,369 | |
| Shareholders | 1,162 | 1,162 | |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Dividends Per Share | 10.77 | 10.77 | |
| Dividend Yield | 9.43% | 8.79% | |
| Payout Ratio | 64.49% | 52.09% | |
| Total Dividends Paid | -1.57B | -1.52B |
| FY2025 | FY2024 | ||
|---|---|---|---|
| P/E Ratio | 6.84 | 5.93 | |
| P/B Ratio | 1.65 | 1.95 | |
| P/S Ratio | 0.20 | 0.22 | |
| P/CF Ratio | 1.16 | 0.69 | |
| Market Cap | 16.70B | 17.92B | |
| Enterprise Value | 17.83B | 18.32B |
| TTM | ||
|---|---|---|
| Income | ||
| Revenue | 86.05B | |
| Operating Income | 4.11B | |
| Net Income | 2.51B | |
| Free Cash Flow | 13.87B | |
| EPS (Basic) | 17.20 | |
| Margins | ||
| Operating Margin | 4.78% | |
| Net Margin | 2.92% | |
| Returns | ||
| Return on Equity (ROE) | 26.04% | |
| ROIC | 0.24% | |
| Coverage & Debt | ||
| Dividend Coverage | -10.62 | |
| Debt / Revenue | 0.01 | |
| Valuation & Scores | ||
| P/E (TTM) | 6.57 | |
| Sloan Ratio | 0.59 | |
| Zmijewski Score | 1.13 | |
Computed Metrics (Latest Period)
| FY2025 | ||
|---|---|---|
| Extended Returns | ||
| Return on Common Equity | 25.29% | |
| Return on Tangible Equity | 26.08% | |
| Return on Tangible Assets | 0.88% | |
| Return on Total Capital | 39.70% | |
| ROCE | 1.58% | |
| Growth | ||
| EPS Diluted Growth | -0.19% | |
| Sustainable Growth Rate | 8.98% | |
| Quality & Risk Scores | ||
| Zmijewski Score | 1.12 | |
| Sloan Ratio | -0.87 | |
| Valuation (Computed) | ||
| Graham Number | 161.31 | |
| Tobin's Q Ratio | 0.06 | |
| Leverage & Coverage | ||
| Total Debt / Capital | 0.10% | |
| Assets / Equity (Leverage) | 29.45 | |
| Effective Interest Rate | 21.25% | |
| Debt / Revenue | 0.01 | |
| Efficiency (Computed) | ||
| Fixed Asset Turnover | 22.23 | |
| Dividends (Computed) | ||
| Dividend Coverage | -12.57 | |
| Share Buyback Ratio | 0.00 | |
| Per Employee | ||
| Revenue / Employee | 35.29M | |
| Net Income / Employee | 1.04M | |
| Oper. Income / Employee | 1.78M | |
| Total Assets / Employee | 126.92M | |
| Balance Sheet (Computed) | ||
| Book Value Per Share | 69.23 | |
| Earnings Schedule | ||
Insurance Metrics
| FY2025 | FY2024 | ||
|---|---|---|---|
| Underwriting | |||
| Premiums Earned | 52.62B | 39.52B | |
| Losses & Adjustments | -49.09B | -41.12B | |
| Claims & Reserves | -83.72B | -84.53B | |
| Underwriting Commissions | -7.87B | -5.27B | |
| Investment Income | 29.30B | 38.93B | |
| Insurance Ratios | |||
| Loss Ratio | 93.29% | 104.05% | |
| Expense Ratio | 29.05% | 29.10% | |
| Combined Ratio | 122.34% | 133.14% | |
| Claims / Premiums | 93.29% | 104.05% | |
| Equity Ratio | 0.03% | 0.04% | |
| Investment Income / Assets | 10.71% | 16.04% | |
| Premiums / Equity | 544.98% | 489.76% | |
| Insurance Liabilities | |||
| Policy Liabilities | 21.25B | 16.12B | |
| Unearned Premiums | 0 | 0 | |
| Policy Claims | 10.57B | 9.23B | |
| Premium Receivables | 3.08B | 1.39B | |