EFU General Insurance Limited

KASE:EFUG Stock Report

Market Cap: PK₨22.8b

EFU General Insurance Past Earnings Performance

Past criteria checks 6/6

EFU General Insurance has been growing earnings at an average annual rate of 6.1%, while the Insurance industry saw earnings growing at 23.1% annually. Revenues have been growing at an average rate of 15.7% per year. EFU General Insurance's return on equity is 21.8%, and it has net margins of 4.6%.

Key information

6.1%

Earnings growth rate

6.1%

EPS growth rate

Insurance Industry Growth18.8%
Revenue growth rate15.7%
Return on equity21.8%
Net Margin4.6%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How EFU General Insurance makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

KASE:EFUG Revenue, expenses and earnings (PKR Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 24108,9625,0648,2160
30 Jun 24105,1805,4297,6680
31 Mar 2498,5113,8057,3770
31 Dec 2390,9103,2747,0320
30 Sep 2381,1881,2996,8380
30 Jun 2374,0753906,6920
31 Mar 2366,6314416,3120
31 Dec 2264,9384216,0460
30 Sep 2259,7261,4696,4260
30 Jun 2254,5391,6796,0790
31 Mar 2256,0482,4635,8790
31 Dec 2155,0892,6065,5970
30 Sep 2158,7232,5335,1880
30 Jun 2164,0432,5925,1030
31 Mar 2165,1322,6744,8870
31 Dec 2062,8882,4224,8970
30 Sep 2062,7483,2694,4960
30 Jun 2055,8223,3214,5330
31 Mar 2048,4522,5494,5940
31 Dec 1947,3022,5474,5570
30 Sep 1939,0521,6904,7750
30 Jun 1938,3431,9004,9280
31 Mar 1936,5742,2414,6910
31 Dec 1827,9452,7994,1220
30 Sep 1818,7722,6873,6710
30 Jun 1812,5922,6222,8420
31 Mar 188,6673,2272,4130
31 Dec 178,6302,6252,4610
30 Sep 179,5272,6272,2710
30 Jun 179,4062,7182,2720
31 Mar 179,0552,2532,2800
31 Dec 169,2682,3922,2800
30 Sep 1611,3554,2632,3600
30 Jun 1610,8343,7492,3590
31 Mar 1610,8734,1912,3220
31 Dec 1510,7154,0342,2680
30 Sep 158,7872,1692,3100
30 Jun 158,6552,2072,2020
31 Mar 158,0861,7662,1260
31 Dec 148,0851,8292,0700
30 Sep 148,0571,8942,0120
30 Jun 148,1851,6851,9870
31 Mar 148,1621,6261,9530

Quality Earnings: EFUG has high quality earnings.

Growing Profit Margin: EFUG's current net profit margins (4.6%) are higher than last year (1.6%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: EFUG's earnings have grown by 6.1% per year over the past 5 years.

Accelerating Growth: EFUG's earnings growth over the past year (290%) exceeds its 5-year average (6.1% per year).

Earnings vs Industry: EFUG earnings growth over the past year (290%) exceeded the Insurance industry 52.3%.

Return on Equity

High ROE: EFUG's Return on Equity (21.8%) is considered high.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/07 07:46
End of Day Share Price 2025/01/07 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

EFU General Insurance Limited is covered by 1 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Muhammad IsmailBMA Capital Management Ltd.