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 Growth	18.8%
Revenue growth rate	15.7%
Return on equity	21.8%
Net Margin	4.6%
Last Earnings Update	30 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)
Date	Revenue	Earnings	G+A Expenses
30 Sep 24	108,962	5,064	8,216
30 Jun 24	105,180	5,429	7,668
31 Mar 24	98,511	3,805	7,377
31 Dec 23	90,910	3,274	7,032
30 Sep 23	81,188	1,299	6,838
30 Jun 23	74,075	390	6,692
31 Mar 23	66,631	441	6,312
31 Dec 22	64,938	421	6,046
30 Sep 22	59,726	1,469	6,426
30 Jun 22	54,539	1,679	6,079
31 Mar 22	56,048	2,463	5,879
31 Dec 21	55,089	2,606	5,597
30 Sep 21	58,723	2,533	5,188
30 Jun 21	64,043	2,592	5,103
31 Mar 21	65,132	2,674	4,887
31 Dec 20	62,888	2,422	4,897
30 Sep 20	62,748	3,269	4,496
30 Jun 20	55,822	3,321	4,533
31 Mar 20	48,452	2,549	4,594
31 Dec 19	47,302	2,547	4,557
30 Sep 19	39,052	1,690	4,775
30 Jun 19	38,343	1,900	4,928
31 Mar 19	36,574	2,241	4,691
31 Dec 18	27,945	2,799	4,122
30 Sep 18	18,772	2,687	3,671
30 Jun 18	12,592	2,622	2,842
31 Mar 18	8,667	3,227	2,413
31 Dec 17	8,630	2,625	2,461
30 Sep 17	9,527	2,627	2,271
30 Jun 17	9,406	2,718	2,272
31 Mar 17	9,055	2,253	2,280
31 Dec 16	9,268	2,392	2,280
30 Sep 16	11,355	4,263	2,360
30 Jun 16	10,834	3,749	2,359
31 Mar 16	10,873	4,191	2,322
31 Dec 15	10,715	4,034	2,268
30 Sep 15	8,787	2,169	2,310
30 Jun 15	8,655	2,207	2,202
31 Mar 15	8,086	1,766	2,126
31 Dec 14	8,085	1,829	2,070
30 Sep 14	8,057	1,894	2,012
30 Jun 14	8,185	1,685	1,987
31 Mar 14	8,162	1,626	1,953
31 Dec 13	7,727	1,392	1,904

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%.

EFU General Insurance Past Earnings Performance

Past criteria checks 6/6

Key information

Recent past performance updates

Second quarter 2024 earnings released: EPS: PK₨7.06 (vs PK₨1.06 loss in 2Q 2023)

First quarter 2024 earnings released: EPS: PK₨5.61 (vs PK₨2.96 in 1Q 2023)

Full year 2023 earnings released: EPS: PK₨16.37 (vs PK₨2.11 in FY 2022)

First quarter 2023 earnings released: EPS: PK₨2.96 (vs PK₨3.09 in 1Q 2022)

Third quarter 2022 earnings released: EPS: PK₨1.44 (vs PK₨2.03 in 3Q 2021)

Second quarter 2022 earnings released: PK₨0.65 loss per share (vs PK₨3.11 profit in 2Q 2021)

Recent updates

Investor sentiment improves as stock rises 23%

Third quarter dividend of PK₨1.50 announced

Second quarter 2024 earnings released: EPS: PK₨7.06 (vs PK₨1.06 loss in 2Q 2023)

First quarter dividend of PK₨1.50 announced

EFU General Insurance Limited Announces Chief Financial Officer Changes

First quarter 2024 earnings released: EPS: PK₨5.61 (vs PK₨2.96 in 1Q 2023)

Dividend of PK₨1.50 announced

Upcoming dividend of PK₨5.50 per share

Full year 2023 earnings released: EPS: PK₨16.37 (vs PK₨2.11 in FY 2022)

Less than half of directors are independent

Investor sentiment improves as stock rises 17%

Upcoming dividend of PK₨1.50 per share at 13% yield

Less than half of directors are independent

EFU General Insurance Limited Appoints Kamran Arshad Inam as Managing Director and Chief Executive

Upcoming dividend of PK₨1.50 per share at 12% yield

First quarter 2023 earnings released: EPS: PK₨2.96 (vs PK₨3.09 in 1Q 2022)

Upcoming dividend of PK₨5.50 per share at 10% yield

Less than half of directors are independent

Less than half of directors are independent

Upcoming dividend of PK₨1.50 per share

Third quarter 2022 earnings released: EPS: PK₨1.44 (vs PK₨2.03 in 3Q 2021)

Second quarter 2022 earnings released: PK₨0.65 loss per share (vs PK₨3.11 profit in 2Q 2021)

Upcoming dividend of PK₨1.50 per share

Investor sentiment improved over the past week

Upcoming dividend of PK₨1.50 per share

First quarter 2022 earnings released: EPS: PK₨3.09 (vs PK₨3.57 in 1Q 2021)

Less than half of directors are independent

Upcoming dividend of PK₨5.50 per share

Full year 2021 earnings: Revenues and EPS in line with analyst expectations

Less than half of directors are independent

Upcoming dividend of PK₨1.50 per share

Third quarter 2021 earnings released: EPS PK₨2.03 (vs PK₨2.32 in 3Q 2020)

Upcoming dividend of PK₨1.50 per share

Second quarter 2021 earnings released: EPS PK₨3.11 (vs PK₨3.53 in 2Q 2020)

Upcoming dividend of PK₨1.50 per share

First quarter 2021 earnings released: EPS PK₨3.57 (vs PK₨2.31 in 1Q 2020)

Upcoming Dividend of PK₨5.50 Per Share

Full year 2020 earnings released: EPS PK₨12.11 (vs PK₨12.74 in FY 2019)

New 90-day low: PK₨115

Third quarter earnings released

New 90-day high - PK₨125

First half earnings released

Upcoming Dividend of PK₨1.50 Per Share

First half earnings released

Revenue & Expenses Breakdown

Earnings and Revenue History

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Return on Equity

Return on Assets

Return on Capital Employed

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