EFU General Insurance Ltd. Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Million

Consolidate Quarterly Results

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Jun'24

Net Sales

0.00

Other Operating Income

2,925.89

2,592.92

2,324.56

2,543.03

2,738.72

2,462.71

2,371.36

Total Operating income

29,258.95

25,929.18

23,245.55

25,430.32

27,387.16

24,627.08

23,713.59

Raw Material Cost

0.00

Purchase of Finished goods

0.00

(Increase) / Decrease In Stocks

0.00

Employee Cost

0.00

Power Cost

0.00

Manufacturing Expenses

54.79

33.21

43.90

25.07

24.39

0.00

Selling and Distribution Expenses

6,572.60

5,697.28

5,398.90

5,411.86

5,435.05

5,195.67

4,560.23

Other Expenses

1,919.06

1,659.92

1,530.91

1,734.41

1,862.96

1,786.51

1,621.40

Total Expenditure (Excl Depreciation)

25,817.99

22,329.71

20,751.91

22,781.00

24,089.00

23,060.78

20,774.28

Operating Profit (PBDIT) excl Other Income

3441

3599.5

2493.6000000000004

2649.3

3298.2

1566.3

2939.3

Other Income

65.07

14.60

160.94

65.35

6.76

113.06

87.90

Operating Profit (PBDIT)

177.42

406.77

542.26

523.75

194.34

597.35

544.38

Interest

54.79

33.21

43.90

25.07

24.39

0.00

Exceptional Items

-728.05

32.29

0.00

1.99

-1,674.74

-20.31

-2.94

Gross Profit (PBDT)

0.00

Depreciation

112.35

392.18

381.32

458.40

187.58

484.28

456.48

Profit Before Tax

2,723.19

3,613.15

2,610.69

2,691.59

1,605.78

1,659.05

3,024.28

Tax

1,080.85

1,449.93

1,074.87

1,194.80

655.03

681.99

1,236.34

Provisions and contingencies

0.00

Profit After Tax

1,310.23

1,869.04

1,249.02

1,219.77

507.09

739.98

1,412.10

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

1,310.23

1,869.04

1,249.02

1,219.77

507.09

739.98

1,412.10

Share in Profit of Associates

0.00

Minority Interest

332.11

294.18

286.80

277.03

443.66

237.07

375.84

Other related items

0.00

Consolidated Net Profit

1,642.34

2,163.22

1,535.82

1,496.80

950.75

977.05

1,787.95

Equity Capital

0.00

Face Value

10.0

Reserves

28,795.37

28,384.64

26,277.80

25,072.64

25,271.69

23,970.51

23,147.40

Earnings per share (EPS)

6.55

9.35

6.25

6.1

2.54

3.7

7.06

Diluted Earnings per share

6.55

9.35

6.25

6.1

2.54

3.7

7.06

Operating Profit Margin (Excl OI)

11.76%

13.88%

10.73%

10.42%

12.04%

6.36%

12.4%

Gross Profit Margin

9.69%

15.45%

12.87%

12.39%

6.55%

8.7%

14.68%

PAT Margin

4.48%

7.21%

5.37%

4.8%

1.85%

3.0%

5.95%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Quarterly Analysis Highlights - YoY

Net Sales

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

Consolidate Net Profit

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

Operating Profit (PBDIT) excl Other Income

YoY Growth in quarter ended Dec 2025 is -40.09% vs -53.97% in Dec 2024

Interest

YoY Growth in quarter ended Dec 2025 is 124.59% vs 0.00% in Dec 2024

Operating Profit Margin (Excl OI)

YoY Growth in quarter ended Dec 2025 has fallen from Dec 2024

Compare Quarterly Results Of EFU General Insurance Ltd. With

Select Peers

Figures in Million

Consolidate Quarterly Results

Change(PKR)

Change(%)

Net Sales

0.00

Other Operating Income

29,258.95

8,004.68

21,254.27

265.52%

Total Operating income

29,258.95

8,004.68

21,254.27

265.52%

Raw Material Cost

0.00

Purchase of Finished goods

0.00

(Increase) / Decrease In Stocks

0.00

Employee Cost

0.00

Power Cost

0.00

Manufacturing Expenses

54.79

0.00

54.79

Selling and Distribution Expenses

6,572.60

1,564.02

5,008.58

320.24%

Other Expenses

1,919.06

495.54

1,423.52

287.27%

Total Expenditure (Excl Depreciation)

25,817.99

6,519.43

19,298.56

296.02%

Operating Profit (PBDIT) excl Other Income

3,440.95

1,485.24

1,955.71

131.68%

Other Income

65.07

20.20

44.87

222.13%

Operating Profit (PBDIT)

177.42

115.62

61.80

53.45%

Interest

54.79

0.00

54.79

Exceptional Items

-728.05

0.00

-728.05

Gross Profit (PBDT)

0.00

Depreciation

112.35

95.42

16.93

17.74%

Profit Before Tax

2,723.19

1,505.44

1,217.75

80.89%

Tax

1,080.85

568.97

511.88

89.97%

Provisions and contingencies

0.00

Profit After Tax

1,310.23

1,633.90

-323.67

-19.81%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

1,310.23

1,633.90

-323.67

-19.81%

Share in Profit of Associates

0.00

Minority Interest

332.11

12.16

319.95

2,631.17%

Other related items

0.00

Consolidated Net Profit

1,642.34

1,646.06

-3.72

-0.23%

Equity Capital

0.00

Face Value

10.00

0.00

Reserves

28,795.37

67,051.35

-38,255.98

-57.05%

Earnings per share (EPS)

6.55

11.46

-4.91

-42.84%

Diluted Earnings per share

6.55

11.46

-4.91

-42.84%

Operating Profit Margin (Excl OI)

11.76%

18.55%

0.00

-6.79%

Gross Profit Margin

9.69%

20.00%

0.00

-10.31%

PAT Margin

4.48%

20.41%

0.00

-15.93%

Public Share Holdings (%)

0.00

0.00%

Pledged Promotor Holding (%)

0.00

0.00%

Quarterly - Net Sales

No Net Sales in the last few periods

Quarterly - Consolidate Net Profit

Consolidate Net Profit 164.23 Million

in Dec 2025

Figures in Million

QoQ Growth in quarter ended Dec 2025 is -24.08% vs 40.85% in Sep 2025

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

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 11.24 Million

in Dec 2025

Figures in Million

QoQ Growth in quarter ended Dec 2025 is -71.34% vs 2.86% in Sep 2025

YoY Growth in quarter ended Dec 2025 is -40.09% vs -53.97% in Dec 2024

Quarterly - Interest

Interest 5.48 Million

in Dec 2025

Figures in Million

QoQ Growth in quarter ended Dec 2025 is 65.06% vs -24.37% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 124.59% vs 0.00% in Dec 2024

Quarterly - Operating Profit Margin (Excl OI)

Operating Profit Margin (Excl OI) 11.76%

in Dec 2025

Figures in %

QoQ Growth in quarter ended Dec 2025 has fallen from Sep 2025

YoY Growth in quarter ended Dec 2025 has fallen from Dec 2024