Business Description
EFU General Insurance Ltd
ISIN : PK0000201019
Total Employee Number:
966Description
EFU General Insurance Ltd is a non-life insurer in Pakistan, providing insurance and takaful solutions to commercial, industrial, and individual clients across retail, SME, and corporate segments. Its product portfolio includes Fire and Property Damage, Marine, Aviation and Transport, Motor, Miscellaneous insurance, and Window Takaful. Fire and Property Damage, the maximum revenue segment, covers risks such as fire, earthquake, flood, explosion, machinery breakdown, boiler damage, and business interruption, compensating customers for property loss or damage and loss of earnings. Other segments include Marine, Aviation and Transport, Motor, and Miscellaneous, with the majority of revenue generated from Pakistan.
Financial Strength
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 6.76 | |||||
Equity-to-Asset | 0.07 | |||||
Debt-to-Equity | 0.05 | |||||
Debt-to-EBITDA | -0.17 | |||||
Interest Coverage | 67.01 | |||||
Piotroski F-Score | 4/9 | |||||
Beneish M-Score | -2.02 | |||||
WACC vs ROIC | ||||||
Growth Rank
2/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | 23.7 | |||||
3-Year EPS without NRI Growth Rate | 52.6 | |||||
3-Year Book Growth Rate | 15.5 |
Momentum Rank
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 21.85 | |||||
9-Day RSI | 30.73 | |||||
14-Day RSI | 37.18 | |||||
3-1 Month Momentum % | 0.99 | |||||
6-1 Month Momentum % | 2.25 | |||||
12-1 Month Momentum % | -3.26 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Dividend Yield % | 8.16 | |||||
Dividend Payout Ratio | 0.34 | |||||
Forward Dividend Yield % | 8.16 | |||||
5-Year Yield-on-Cost % | 8.16 | |||||
Shareholder Yield % | 6.76 |
Profitability Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Net Margin % | 4.88 | |||||
EBITDA Margin % | -6.38 | |||||
FCF Margin % | -14.63 | |||||
OCF Margin % | -13.41 | |||||
ROE % | 22.41 | |||||
ROA % | 1.53 | |||||
ROIC % | 1.97 | |||||
3-Year ROIIC % | 3.98 | |||||
Years of Profitability over Past 10-Year | 10 |
GF Value Rank
8/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 4.4 | |||||
PE Ratio without NRI | 4.1 | |||||
Shiller PE Ratio | 7.26 | |||||
Price-to-Owner-Earnings | 3.84 | |||||
PS Ratio | 0.22 | |||||
PB Ratio | 1 | |||||
Price-to-Tangible-Book | 1.1 | |||||
EV-to-EBIT | 1.99 | |||||
EV-to-EBITDA | -3.17 | |||||
EV-to-Revenue | 0.21 | |||||
EV-to-FCF | -1.42 | |||||
Price-to-GF-Value | 0.96 | |||||
Price-to-Median-PS-Value | 0.6 | |||||
Price-to-Graham-Number | 0.45 | |||||
Earnings Yield (Greenblatt) % | 50.29 | |||||
FCF Yield % | -68.08 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
Guru Trades
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Performance
Dividend
Log
Bar
Annualized Return % Â
Total Annual Return % Â
EFU General Insurance Ltd Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil ₨) | 113,582.886 | ||
| EPS (TTM) (₨) | 27.73 | ||
| Beta | - | ||
| 3-Year Sharpe Ratio | 0.38 | ||
| 3-Year Sortino Ratio | 0.94 | ||
| Volatility % | 11.63 | ||
| 14-Day RSI | 37.18 | ||
| 14-Day ATR (₨) | 2.589789 | ||
| 20-Day SMA (₨) | 125.134 | ||
| 12-1 Month Momentum % | -3.26 | ||
| 52-Week Range (₨) | 109.8 - 143.01 | ||
| Shares Outstanding (Mil) | 200 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 4 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
EFU General Insurance Ltd Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
EFU General Insurance Ltd Stock Events
| Event | Date | Price (₨) | ||
|---|---|---|---|---|
| PKR 1.500000 Cash Dividend | 2026-05-04 | 123.91 (+0.00%) | ||
| PKR 5.500000 Cash Dividend | 2026-03-18 | 128.74 (-0.88%) | ||
| PKR 1.500000 Cash Dividend | 2025-11-04 | 125.29 (-0.76%) | ||
| PKR 1.500000 Cash Dividend | 2025-09-02 | 127.42 (+2.10%) | ||
| PKR 1.500000 Cash Dividend | 2025-05-02 | 115.98 (+0.00%) | ||
| PKR 5.500000 Cash Dividend | 2025-03-17 | 131.06 (-1.44%) | ||
| PKR 1.500000 Cash Dividend | 2024-11-05 | 93.00 (-2.11%) | ||
| PKR 1.500000 Cash Dividend | 2024-09-04 | 90.00 (-2.17%) | ||
| 1.25:1 Stock Split | 2016-03-25 | 138.80 (-1.36%) | ||
| 1.28:1 Stock Split | 2014-03-27 | 81.12 (-2.17%) |
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Entries
EFU General Insurance Ltd Frequently Asked Questions
What is EFU General Insurance Ltd(KAR:EFUG)'s stock price today?
The current price of KAR:EFUG is ₨122.01. The 52 week high of KAR:EFUG is ₨143.01 and 52 week low is ₨109.80.
When is next earnings date of EFU General Insurance Ltd(KAR:EFUG)?
The next earnings date of EFU General Insurance Ltd(KAR:EFUG) is .
Does EFU General Insurance Ltd(KAR:EFUG) pay dividends? If so, how much?
The Dividend Yield %  of EFU General Insurance Ltd(KAR:EFUG) is 8.16% (As of Today), Highest Dividend Payout Ratio of EFU General Insurance Ltd(KAR:EFUG) was 1.16. The lowest was 0.33. And the median was 0.76. The  Forward Dividend Yield % of EFU General Insurance Ltd(KAR:EFUG) is 8.16%. For more information regarding to dividend, please check our Dividend Page.
Press Release
| Subject | Date | |||
|---|---|---|---|---|
| No Press Release | ||||
Articles on EFU General Insurance Ltd
No articles.
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