EFU General Insurance Ltd.

  • Market Cap: Mid Cap
  • Industry: Insurance
  • ISIN: PK0000201019
PKR
118.14
-0.59 (-0.5%)
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

52 Week

Valuation
Technical
Day's Volume

CASH

N/A

Shareholding

FII

N/A

DII

N/A

Promoter

N/A

iScoreScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

Dashboard

1

Weak Long Term Fundamental Strength with a 22.12% CAGR growth in Operating Profits

 
2

Negative results in Mar 25

3

With ROE of 20.8, it has a fair valuation with a 1 Price to Book Value

stock-summaryMojo Parameters

Mojo Parameters

Stock DNA

stock-summary
Industry

Insurance

stock-summary
Market cap

PKR 24,000 Million (Mid Cap)

stock-summary
P/E

5.00

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

7.17%

stock-summary
Debt Equity

-0.33

stock-summary
Return on Equity

21.56%

stock-summary
Price to Book

0.85

Revenue and Profits:
Net Sales:
(Quarterly Results - Dec 2025)
Net Profit:
1,642 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
-10.59%
0%
-10.59%
6 Months
-0.84%
0%
-0.84%
1 Year
31.27%
0%
31.27%
2 Years
37.9%
0%
37.9%
3 Years
18.14%
0%
18.14%
4 Years
2.73%
0%
2.73%
5 Years
9.16%
0%
9.16%

EFU General Insurance Ltd. for the last several years.

Risk Adjusted Returns v/s stock-summary
stock-summaryNews & Corporate Actions

News

Icon
No Recent News for the Company

Announcements stock-summary

Icon
No announcement available

Corporate Actions stock-summary

Icon
No corporate action available
stock-summaryKey Factors

Quality key factors stock-summary

Factor
Value
Sales Growth (5y)
12.32%
EBIT Growth (5y)
13.13%
EBIT to Interest (avg)
100.00
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
4.06
Tax Ratio
41.96%
Dividend Payout Ratio
52.87%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
28.65%
ROE (avg)
18.29%

Valuation key factors

Factor
Value
P/E Ratio
5
Industry P/E
Price to Book Value
0.96
EV to EBIT
-16193.53
EV to EBITDA
9.03
EV to Capital Employed
0.94
EV to Sales
0.16
PEG Ratio
NA
Dividend Yield
6.81%
ROCE (Latest)
ROE (Latest)
18.89%

Technicals key factors

Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bullish
No Trend
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshotstock-summary
Icon
No data for shareholding present.
Shareholding Compare (%holding) stock-summary
Icon
No data for shareholding present.
stock-summaryFinancial
[
  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Consolidated) - Dec'25 - YoY",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in quarter ended Dec 2025 is 0.00% vs 0.00% in Dec 2024",
        "dir": 0
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in quarter ended Dec 2025 is 72.73% vs -55.32% in Dec 2024",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Dec'25",
        "Dec'24",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "112.40",
          "val2": "187.60",
          "chgp": "-40.09%",
          "chgp_class": "negative"
        },
        {
          "field": "Interest",
          "val1": "54.80",
          "val2": "24.40",
          "chgp": "124.59%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "-728.00",
          "val2": "-1,674.70",
          "chgp": "56.53%",
          "chgp_class": "positive"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "1,642.30",
          "val2": "950.80",
          "chgp": "72.73%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "117.60%",
          "val2": "120.40%",
          "chgp": "-0.28%",
          "chgp_class": "negative"
        }
      ]
    }
  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "header": "Annual Results Snapshot (Consolidated) - Dec'25",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in year ended Dec 2025 is 0.00% vs 0.00% in Dec 2024",
        "dir": 0
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in year ended Dec 2025 is 31.17% vs 25.25% in Dec 2024",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Dec'25",
        "Dec'24",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "1,344.30",
          "val2": "1,559.60",
          "chgp": "-13.80%",
          "chgp_class": "negative"
        },
        {
          "field": "Interest",
          "val1": "206.80",
          "val2": "137.70",
          "chgp": "50.18%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "-388.10",
          "val2": "-1,428.30",
          "chgp": "72.83%",
          "chgp_class": "positive"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "6,838.20",
          "val2": "5,213.40",
          "chgp": "31.17%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "120.90%",
          "val2": "109.20%",
          "chgp": "1.17%",
          "chgp_class": "positive"
        }
      ]
    }
  }
]

Quarterly Results Snapshot (Consolidated) - Dec'25 - YoYstock-summary

Dec'25
Dec'24
Change(%)
Net Sales
0.00
0.00
Operating Profit (PBDIT) excl Other Income
112.40
187.60
-40.09%
Interest
54.80
24.40
124.59%
Exceptional Items
-728.00
-1,674.70
56.53%
Consolidate Net Profit
1,642.30
950.80
72.73%
Operating Profit Margin (Excl OI)
117.60%
120.40%
-0.28%
USD in Million.
Net Sales

YoY Growth in quarter ended Dec 2025 is 0.00% vs 0.00% in Dec 2024

Direction Arrows
Consolidated Net Profit

YoY Growth in quarter ended Dec 2025 is 72.73% vs -55.32% in Dec 2024

Annual Results Snapshot (Consolidated) - Dec'25stock-summary

Dec'25
Dec'24
Change(%)
Net Sales
0.00
0.00
Operating Profit (PBDIT) excl Other Income
1,344.30
1,559.60
-13.80%
Interest
206.80
137.70
50.18%
Exceptional Items
-388.10
-1,428.30
72.83%
Consolidate Net Profit
6,838.20
5,213.40
31.17%
Operating Profit Margin (Excl OI)
120.90%
109.20%
1.17%
USD in Million.
Net Sales

YoY Growth in year ended Dec 2025 is 0.00% vs 0.00% in Dec 2024

Direction Arrows
Consolidated Net Profit

YoY Growth in year ended Dec 2025 is 31.17% vs 25.25% in Dec 2024

stock-summaryCompany CV
About EFU General Insurance Ltd. stock-summary
stock-summary
EFU General Insurance Ltd.
Insurance
EFU General Insurance Limited is engaged in providing insurance services to commercial and individual clients. The Company operates through four segments: fire and property damage; marine, aviation and transport; motor, and miscellaneous. Its portfolio includes businesses ranging from simple residential property to large industrial risks, including oil and gas exploration/development, petrochemicals and other industrial risks. Marine, Aviation and Transport class of business provides coverage against loss and damage to goods in transit by means of conveyance, physical loss or damage to aircraft, ships and liabilities to third parties and passengers arising from their use. Motor insurance covers physical loss or damage to the vehicle and liabilities to third parties. All other insurances, including cash in hand, cash in transit, personal accident, infidelity, public liabilities, health, crop, livestock, travel and workers compensation are included under Miscellaneous Insurance cover.
Company Coordinates stock-summary
Company Details
EFU House, M.A. Jinnah Road,, P.O. Box 5005 KARACHI None : 74000
stock-summary
Tel: 92 21 32313471
stock-summary
Registrar Details