ScoreWhy is EFU Life Assurance Ltd. ?
1
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
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to EFU Life Assurance 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 Life Assurance Ltd. for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
EFU Life Assurance Ltd.
-19.75%
-0.71
25.49%
Pakistan KSE 100 Share
26.26%
2.81
22.77%
Quality
Management Risk
Growth
Capital StructureQuality 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)
0
Sales to Capital Employed (avg)
0
Tax Ratio
39.73%
Dividend Payout Ratio
52.05%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
28.55%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
5
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%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bullish
RSI
Bearish
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
Mildly 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
-7What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at PKR 16,527.92 MM
INTEREST(HY)
At PKR 89.67 MM has Grown at 55.65%
ROCE(HY)
Lowest at 30.07%
DIVIDEND PAYOUT RATIO(Y)
Lowest at 26.3%
Here's what is working for EFU Life Assurance 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 Life Assurance Ltd.
Interest
At PKR 89.67 MM has Grown at 55.65%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (PKR MM)
Operating Cash Flow
Lowest at PKR 16,527.92 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 26.3%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
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