EFU Life Assurance Limited

KASE:EFUL Stock Report

Market Cap: PK₨17.4b

EFU Life Assurance Past Earnings Performance

Past criteria checks 5/6

EFU Life Assurance has been growing earnings at an average annual rate of 9.4%, while the Insurance industry saw earnings growing at 23.1% annually. Revenues have been growing at an average rate of 16.4% per year. EFU Life Assurance's return on equity is 33.2%, and it has net margins of 3.1%.

Key information

9.4%

Earnings growth rate

9.2%

EPS growth rate

Insurance Industry Growth18.8%
Revenue growth rate16.4%
Return on equity33.2%
Net Margin3.1%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

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

Earnings and Revenue History

KASE:EFUL Revenue, expenses and earnings (PKR Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 2491,3152,7903,8530
30 Jun 2488,1752,7783,4780
31 Mar 2482,1072,3493,1450
31 Dec 2375,5892,0662,9030
30 Sep 2367,3271,9882,5700
30 Jun 2360,8871,9152,5490
31 Mar 2354,3091,7352,3570
31 Dec 2252,9581,6922,2520
30 Sep 2248,0291,6582,2960
30 Jun 2243,0251,3702,2270
31 Mar 2244,6411,5562,1190
31 Dec 2143,7811,5082,0880
30 Sep 2147,5871,5641,8990
30 Jun 2153,0021,8591,8500
31 Mar 2154,4691,8311,7890
31 Dec 2052,5211,7841,7800
30 Sep 2052,3722,0401,6210
30 Jun 2045,6181,7851,5830
31 Mar 2038,6521,6791,6000
31 Dec 1938,0281,5491,5520
30 Sep 1930,3551,2281,6230
30 Jun 1929,5991,4101,5720
31 Mar 1927,8051,5661,6240
31 Dec 1830,3321,5461,5410
30 Sep 1829,0211,6671,5070
30 Jun 1825,0181,6671,4980
31 Mar 1828,5501,5381,4030
31 Dec 1727,1461,9101,3610
30 Sep 1727,0931,9952,7420
30 Jun 1734,0282,0073,5740
31 Mar 1735,0102,0444,6310
31 Dec 1632,4141,8735,5200
30 Sep 1636,1151,5855,3700
30 Jun 1634,5141,4665,3730
31 Mar 1637,6251,5865,3500
31 Dec 1539,1761,4755,3940
30 Sep 1539,1031,3595,1810
30 Jun 1537,2931,2135,0460
31 Mar 1531,4771,0404,8850
31 Dec 1428,4979514,7050
30 Sep 1424,1549904,7260
30 Jun 1422,1801,0234,6060
31 Mar 1420,8049574,4240

Quality Earnings: EFUL has high quality earnings.

Growing Profit Margin: EFUL's current net profit margins (3.1%) are higher than last year (3%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: EFUL's earnings have grown by 9.4% per year over the past 5 years.

Accelerating Growth: EFUL's earnings growth over the past year (40.4%) exceeds its 5-year average (9.4% per year).

Earnings vs Industry: EFUL earnings growth over the past year (40.4%) did not outperform the Insurance industry 52.3%.

Return on Equity

High ROE: EFUL's Return on Equity (33.2%) 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 Analysis2025/01/03 13:36
End of Day Share Price 2025/01/03 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 Life Assurance Limited is covered by 0 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