EFU Life Assurance Ltd. (EFUL) Stock Analysis | Price, Returns, Financials & Key Metrics

Price Point

High/Low

1Day

52 Week

Valuation

Technical

Day's Volume

CASH

N/A

Shareholding

FII

N/A

DII

N/A

Promoter

N/A

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Dashboard

With ROE of 34.4, it has a very attractive valuation with a 1.8 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 0%, its profits have risen by 45% ; the PEG ratio of the company is 0.1
At the current price, the company has a high dividend yield of 9.8

Mojo Parameters

Stock DNA

Industry

Insurance

Market cap

PKR 16,170 Million (Small Cap)

P/E

5.00

Industry P/E

Dividend Yield

9.74%

Debt Equity

-999,999.00

Return on Equity

31.02%

Price to Book

1.68

Revenue and Profits:

Net Sales:

(Quarterly Results - Mar 2025)

Net Profit:

642 Million

Total Returns

Total Returns (Price + Dividend)

TimePeriod

Price Return

Dividend Return

Total Return

3 Months

-7.23%

6 Months

-16.63%

1 Year

-19.75%

2 Years

-20.96%

3 Years

-18.66%

4 Years

-22.84%

5 Years

-24.97%

EFU Life Assurance Ltd. for the last several years.

Risk Adjusted Returns v/s

News & Corporate Actions

News

No Recent News for the Company

Announcements

No announcement available

Corporate Actions

No corporate action available

Key Factors

Quality key factors

Factor

Value

Sales Growth (5y)

18.00%

EBIT Growth (5y)

0.00%

EBIT to Interest (avg)

4.37

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

39.73%

Dividend Payout Ratio

52.05%

Pledged Shares

Institutional Holding

ROCE (avg)

ROE (avg)

28.55%

Valuation key factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.78

EV to EBIT

13054.70

EV to EBITDA

-15.56

EV to Capital Employed

0.65

EV to Sales

-0.16

PEG Ratio

0.14

Dividend Yield

9.63%

ROCE (Latest)

ROE (Latest)

32.72%

Technicals key factors

Indicator

Weekly

Monthly

MACD

Mildly Bullish

RSI

No Signal

Bollinger Bands

Sideways

Mildly Bearish

Moving Averages

Bullish (Daily)

KST

Bearish

Dow Theory

No Trend

Bearish

OBV

No Trend

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Shareholding

Shareholding Snapshot

No data for shareholding present.

Shareholding Compare (%holding)

No data for shareholding present.

Financial

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  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Consolidated) - Mar'25 - YoY",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in quarter ended Mar 2025 is 0.00% vs 0.00% in Mar 2024",
        "dir": 0
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in quarter ended Mar 2025 is -17.84% vs 56.74% in Mar 2024",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Mar'25",
        "Mar'24",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "196.70",
          "val2": "183.80",
          "chgp": "7.02%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "23.20",
          "val2": "22.60",
          "chgp": "2.65%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "2.00",
          "val2": "3.50",
          "chgp": "-42.86%",
          "chgp_class": "negative"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "641.60",
          "val2": "780.90",
          "chgp": "-17.84%",
          "chgp_class": "negative"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "47.20%",
          "val2": "65.50%",
          "chgp": "-1.83%",
          "chgp_class": "negative"
        }
      ]
    }
  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "header": "Annual Results Snapshot (Consolidated) - Dec'24",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in year ended Dec 2024 is 0.00% vs 0.00% in Dec 2023",
        "dir": 0
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in year ended Dec 2024 is 44.83% vs 22.01% in Dec 2023",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Dec'23",
        "Change(%)"
      ],
      "body": [
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          "field": "Net Sales",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
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        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "839.10",
          "val2": "560.10",
          "chgp": "49.81%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "115.10",
          "val2": "93.30",
          "chgp": "23.37%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "13.30",
          "val2": "-144.40",
          "chgp": "109.21%",
          "chgp_class": "positive"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "2,990.10",
          "val2": "2,064.50",
          "chgp": "44.83%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "62.80%",
          "val2": "35.10%",
          "chgp": "2.77%",
          "chgp_class": "positive"
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]

Quarterly Results Snapshot (Consolidated) - Mar'25 - YoY

Mar'25

Mar'24

Change(%)

Net Sales

0.00

Operating Profit (PBDIT) excl Other Income

196.70

183.80

7.02%

Interest

23.20

22.60

2.65%

Exceptional Items

2.00

3.50

-42.86%

Consolidate Net Profit

641.60

780.90

-17.84%

Operating Profit Margin (Excl OI)

47.20%

65.50%

-1.83%

USD in Million.

Compare with Peers

Net Sales

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

Consolidated Net Profit

YoY Growth in quarter ended Mar 2025 is -17.84% vs 56.74% in Mar 2024

All Quarterly Results

Annual Results Snapshot (Consolidated) - Dec'24

Dec'24

Dec'23

Change(%)

Net Sales

0.00

Operating Profit (PBDIT) excl Other Income

839.10

560.10

49.81%

Interest

115.10

93.30

23.37%

Exceptional Items

13.30

-144.40

109.21%

Consolidate Net Profit

2,990.10

2,064.50

44.83%

Operating Profit Margin (Excl OI)

62.80%

35.10%

2.77%

USD in Million.

Compare with Peers

Net Sales

YoY Growth in year ended Dec 2024 is 0.00% vs 0.00% in Dec 2023

Consolidated Net Profit

YoY Growth in year ended Dec 2024 is 44.83% vs 22.01% in Dec 2023

All Annual Results

Company CV

About EFU Life Assurance Ltd.

EFU Life Assurance Ltd.

Insurance

EFU Life Assurance Limited is a Pakistan-based company engaged in life insurance business, including ordinary life business, pension fund business, and accident and health business. The Company operates through four segments: investment linked business, conventional business, pension business, and accident and health business. The Company's investment linked business includes individual life business. The conventional business includes group life and individual life businesses. The Company's accident and health products consist of long term and short term accident and health products providing cover against accidental death, disability, sickness and critical illness, offered both as long term, as well as yearly renewable plans. In addition, the Company offers various supplementary benefits attached with main plans, including additional term life assurance, income benefits, critical illness, sickness and accidental death, and disability related benefits.

Company Coordinates

Company Details

37-K, Block-6, P.E.C.H.S. , KARACHI None : 75400

Tel: 92 21 111338111

https://www.efulife.com/

Registrar Details