ScoreWhy is EFU General Insurance Ltd. ?
1
Weak Long Term Fundamental Strength with a 22.12% CAGR growth in Operating Profits
2
Negative results in Mar 25
- NET PROFIT(9M) At PKR 2,469.64 MM has Grown at -40.92%
- DIVIDEND PAYOUT RATIO(Y) Lowest at 24.6%
- INTEREST(Q) Highest at PKR 25.07 MM
3
With ROE of 20.8, it has a fair valuation with a 1 Price to Book Value
- The stock is trading at a premium 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 5.2% ; the PEG ratio of the company is 0.9
- At the current price, the company has a high dividend yield of 7.1
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Insurance)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is EFU General Insurance Ltd. for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
EFU General Insurance Ltd.
31.27%
0.78
44.36%
Pakistan KSE 100 Share
60.28%
2.81
22.77%
Quality
Management Risk
Growth
Capital StructureQuality key factors
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%
ValuationValuation 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%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend1What is working for the Company
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
-10What is not working for the Company
NET PROFIT(9M)
At PKR 2,469.64 MM has Grown at -40.92%
DIVIDEND PAYOUT RATIO(Y)
Lowest at 24.6%
INTEREST(Q)
Highest at PKR 25.07 MM
Here's what is working for EFU General Insurance Ltd.
Raw Material Cost
Fallen by 0% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Here's what is not working for EFU General Insurance Ltd.
Interest
At PKR 25.07 MM has Grown at inf%
period on period (QoQ)MOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (PKR MM)
Net Profit
At PKR 2,469.64 MM has Grown at -40.92%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is negative
Net Profit (PKR MM)
Interest
Highest at PKR 25.07 MM
in the last five periods and Increased by inf% (QoQ)MOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (PKR MM)
Dividend Payout Ratio
Lowest at 24.6%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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