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 hold?
- Overall Portfolio exposure to EFU General Insurance Ltd. should be less than 10%
- Overall Portfolio exposure to Insurance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Insurance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
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
26.26%
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
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
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
OPERATING PROFIT(Q)
Highest at PKR 3,599.47 MM
OPERATING PROFIT MARGIN(Q)
Highest at 13.88 %
PRE-TAX PROFIT(Q)
Highest at PKR 3,580.86 MM
NET PROFIT(Q)
Highest at PKR 1,849.71 MM
EPS(Q)
Highest at PKR 9.35
-7What is not working for the Company
INTEREST(9M)
At PKR 102.18 MM has Grown at inf%
OPERATING CASH FLOW(Y)
Lowest at PKR 19,147.38 MM
DIVIDEND PAYOUT RATIO(Y)
Lowest at 16.05%
Here's what is working for EFU General Insurance Ltd.
Operating Profit
Highest at PKR 3,599.47 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (PKR MM)
Operating Profit Margin
Highest at 13.88 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at PKR 3,580.86 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (PKR MM)
Pre-Tax Profit
At PKR 3,580.86 MM has Grown at 113.23%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (PKR MM)
Net Profit
Highest at PKR 1,849.71 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (PKR MM)
Net Profit
At PKR 1,849.71 MM has Grown at 145.99%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (PKR MM)
EPS
Highest at PKR 9.35
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (PKR)
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 102.18 MM has Grown at inf%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (PKR MM)
Operating Cash Flow
Lowest at PKR 19,147.38 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (PKR MM)
Dividend Payout Ratio
Lowest at 16.05%
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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