Business Description
EFU Life Assurance Ltd
ISIN : PK0070301012
Total Employee Number:
2,348Description
EFU Life Assurance Ltd is an insurance company that operates as a life and health insurer and a family takaful operator, positioning itself as a provider of comprehensive protection, savings, wellbeing, and retirement solutions. Its products and services include life insurance, savings and investment plans, health and wellness solutions, retirement and pension offerings, and Shariah-compliant takaful products, catering to individuals, families, and corporate clients. The company operates across key business segments, including individual life, group life, health, and family takaful, along with digital and inclusive insurance initiatives.
Financial Strength
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 5.62 | |||||
Equity-to-Asset | 0.03 | |||||
Debt-to-Equity | 0.12 | |||||
Debt-to-EBITDA | 0.24 | |||||
Interest Coverage | 34.21 | |||||
Piotroski F-Score | 1/9 | |||||
Beneish M-Score | -1.69 | |||||
WACC vs ROIC | ||||||
Growth Rank
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | 22.9 | |||||
3-Year EBITDA Growth Rate | 11.6 | |||||
3-Year EPS without NRI Growth Rate | 11.4 | |||||
3-Year Book Growth Rate | 14.9 |
Momentum Rank
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 39.06 | |||||
9-Day RSI | 42.15 | |||||
14-Day RSI | 45.53 | |||||
3-1 Month Momentum % | 4.72 | |||||
6-1 Month Momentum % | -11.34 | |||||
12-1 Month Momentum % | -1.86 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Dividend Yield % | 9.81 | |||||
Dividend Payout Ratio | 0.73 | |||||
Forward Dividend Yield % | 9.81 | |||||
5-Year Yield-on-Cost % | 10.7 | |||||
3-Year Average Share Buyback Ratio | -1.6 | |||||
Shareholder Yield % | 7.6 |
Profitability Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Net Margin % | 2.42 | |||||
EBITDA Margin % | 5.16 | |||||
FCF Margin % | -17.92 | |||||
OCF Margin % | -17.01 | |||||
ROE % | 23.37 | |||||
ROA % | 0.78 | |||||
ROIC % | 0.83 | |||||
3-Year ROIIC % | 0.61 | |||||
Years of Profitability over Past 10-Year | 10 |
GF Value Rank
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 7.31 | |||||
PE Ratio without NRI | 7.44 | |||||
Shiller PE Ratio | 6.89 | |||||
Price-to-Owner-Earnings | 0.74 | |||||
PEG Ratio | 0.52 | |||||
PS Ratio | 0.17 | |||||
PB Ratio | 1.71 | |||||
Price-to-Tangible-Book | 1.75 | |||||
EV-to-EBIT | 2.84 | |||||
EV-to-EBITDA | 2.3 | |||||
EV-to-Revenue | 0.11 | |||||
EV-to-FCF | -0.68 | |||||
Price-to-GF-Value | 0.85 | |||||
Price-to-Median-PS-Value | 0.42 | |||||
Price-to-Peter-Lynch-Fair-Value | 0.47 | |||||
Price-to-Graham-Number | 0.76 | |||||
Earnings Yield (Greenblatt) % | 35.17 | |||||
FCF Yield % | -101.5 | |||||
Forward Rate of Return (Yacktman) % | -32.04 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
Guru Trades
See DetailsInsider Trades
See DetailsPeter Lynch Chart
Performance
Dividend
Log
Bar
Annualized Return % Â
Total Annual Return % Â
EFU Life Assurance Ltd Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil ₨) | 90,907.46 | ||
| EPS (TTM) (₨) | 20.909 | ||
| Beta | - | ||
| 3-Year Sharpe Ratio | -0.51 | ||
| 3-Year Sortino Ratio | -0.65 | ||
| Volatility % | 19.82 | ||
| 14-Day RSI | 45.53 | ||
| 14-Day ATR (₨) | 4.92472 | ||
| 20-Day SMA (₨) | 155.8835 | ||
| 12-1 Month Momentum % | -1.86 | ||
| 52-Week Range (₨) | 136.1 - 182 | ||
| Shares Outstanding (Mil) | 105 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 1 | ||
| 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 Life Assurance Ltd Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
EFU Life Assurance Ltd Stock Events
| Event | Date | Price (₨) | ||
|---|---|---|---|---|
| PKR 1.500000 Cash Dividend | 2026-05-04 | 142.90 (+0.00%) | ||
| PKR 10.500000 Cash Dividend | 2026-03-18 | 150.89 (+0.60%) | ||
| PKR 1.500000 Cash Dividend | 2025-11-03 | 154.31 (-0.44%) | ||
| PKR 1.500000 Cash Dividend | 2025-09-01 | 159.97 (+1.09%) | ||
| PKR 1.500000 Cash Dividend | 2025-05-02 | 141.91 (+0.00%) | ||
| PKR 10.500000 Cash Dividend | 2025-03-17 | 161.46 (-0.33%) | ||
| PKR 1.500000 Cash Dividend | 2024-11-04 | 179.99 (+0.00%) | ||
| PKR 1.500000 Cash Dividend | 2024-09-03 | 169.25 (-0.15%) | ||
| 1.1765:1 Stock Split | 2013-03-26 | 80.86 (-1.37%) | ||
| 1.5:1 Stock Split | 2008-03-25 | 413.66 (+0.00%) |
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Entries
EFU Life Assurance Ltd Frequently Asked Questions
What is EFU Life Assurance Ltd(KAR:EFUL)'s stock price today?
The current price of KAR:EFUL is ₨152.88. The 52 week high of KAR:EFUL is ₨182.00 and 52 week low is ₨136.10.
When is next earnings date of EFU Life Assurance Ltd(KAR:EFUL)?
The next earnings date of EFU Life Assurance Ltd(KAR:EFUL) is .
Does EFU Life Assurance Ltd(KAR:EFUL) pay dividends? If so, how much?
The Dividend Yield %  of EFU Life Assurance Ltd(KAR:EFUL) is 9.81% (As of Today), Highest Dividend Payout Ratio of EFU Life Assurance Ltd(KAR:EFUL) was 1.2. The lowest was 0.54. And the median was 0.8. The  Forward Dividend Yield % of EFU Life Assurance Ltd(KAR:EFUL) is 9.81%. For more information regarding to dividend, please check our Dividend Page.
Press Release
| Subject | Date | |||
|---|---|---|---|---|
| No Press Release | ||||
Articles on EFU Life Assurance Ltd
No articles.
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