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 Growth	18.8%
Revenue growth rate	16.4%
Return on equity	33.2%
Net Margin	3.1%
Last Earnings Update	30 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)
Date	Revenue	Earnings	G+A Expenses
30 Sep 24	91,315	2,790	3,853
30 Jun 24	88,175	2,778	3,478
31 Mar 24	82,107	2,349	3,145
31 Dec 23	75,589	2,066	2,903
30 Sep 23	67,327	1,988	2,570
30 Jun 23	60,887	1,915	2,549
31 Mar 23	54,309	1,735	2,357
31 Dec 22	52,958	1,692	2,252
30 Sep 22	48,029	1,658	2,296
30 Jun 22	43,025	1,370	2,227
31 Mar 22	44,641	1,556	2,119
31 Dec 21	43,781	1,508	2,088
30 Sep 21	47,587	1,564	1,899
30 Jun 21	53,002	1,859	1,850
31 Mar 21	54,469	1,831	1,789
31 Dec 20	52,521	1,784	1,780
30 Sep 20	52,372	2,040	1,621
30 Jun 20	45,618	1,785	1,583
31 Mar 20	38,652	1,679	1,600
31 Dec 19	38,028	1,549	1,552
30 Sep 19	30,355	1,228	1,623
30 Jun 19	29,599	1,410	1,572
31 Mar 19	27,805	1,566	1,624
31 Dec 18	30,332	1,546	1,541
30 Sep 18	29,021	1,667	1,507
30 Jun 18	25,018	1,667	1,498
31 Mar 18	28,550	1,538	1,403
31 Dec 17	27,146	1,910	1,361
30 Sep 17	27,093	1,995	2,742
30 Jun 17	34,028	2,007	3,574
31 Mar 17	35,010	2,044	4,631
31 Dec 16	32,414	1,873	5,520
30 Sep 16	36,115	1,585	5,370
30 Jun 16	34,514	1,466	5,373
31 Mar 16	37,625	1,586	5,350
31 Dec 15	39,176	1,475	5,394
30 Sep 15	39,103	1,359	5,181
30 Jun 15	37,293	1,213	5,046
31 Mar 15	31,477	1,040	4,885
31 Dec 14	28,497	951	4,705
30 Sep 14	24,154	990	4,726
30 Jun 14	22,180	1,023	4,606
31 Mar 14	20,804	957	4,424
31 Dec 13	18,984	929	4,257

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%.

EFU Life Assurance Past Earnings Performance

Past criteria checks 5/6

Key information

Recent past performance updates

Third quarter 2024 earnings released: EPS: PK₨5.24 (vs PK₨5.26 in 3Q 2023)

Second quarter 2024 earnings released: EPS: PK₨7.56 (vs PK₨3.45 in 2Q 2023)

First quarter 2024 earnings released: EPS: PK₨7.81 (vs PK₨4.98 in 1Q 2023)

Third quarter 2021 earnings released: EPS PK₨1.65 (vs PK₨4.61 in 3Q 2020)

Third quarter 2021 earnings released: EPS PK₨1.65 (vs PK₨4.61 in 3Q 2020)

Second quarter 2021 earnings released: EPS PK₨3.51 (vs PK₨3.22 in 2Q 2020)

Recent updates

Third quarter 2024 earnings released: EPS: PK₨5.24 (vs PK₨5.26 in 3Q 2023)

Second quarter dividend of PK₨1.50 announced

New minor risk - Shareholder dilution

Second quarter 2024 earnings released: EPS: PK₨7.56 (vs PK₨3.45 in 2Q 2023)

First quarter dividend of PK₨1.50 announced

First quarter 2024 earnings released: EPS: PK₨7.81 (vs PK₨4.98 in 1Q 2023)

Fourth quarter dividend of PK₨1.50 announced

Less than half of directors are independent

EFU Life Assurance Limited Declares Final Cash Dividend

Upcoming dividend of PK₨10.50 per share

EFU Life Assurance Limited (KASE:EFUL) agreed to acquire Allianz EFU Health Insurance Limited from Efu Services Private Limited and others.

New minor risk - Financial data availability

Upcoming dividend of PK₨1.50 per share at 8.1% yield

Upcoming dividend of PK₨1.50 per share at 7.9% yield

EFU Life Assurance Ltd. Announces Chief Executive Changes

Upcoming dividend of PK₨1.50 per share at 8.1% yield

Upcoming dividend of PK₨10.50 per share at 7.7% yield

Less than half of directors are independent

Upcoming dividend of PK₨1.50 per share

Upcoming dividend of PK₨1.50 per share

Less than half of directors are independent

EFU Life Assurance Limited Announces Executive Changes

Less than half of directors are independent

Upcoming dividend of PK₨10.50 per share

Upcoming dividend of PK₨1.50 per share

Third quarter 2021 earnings released: EPS PK₨1.65 (vs PK₨4.61 in 3Q 2020)

Less than half of directors are independent

Third quarter 2021 earnings released: EPS PK₨1.65 (vs PK₨4.61 in 3Q 2020)

Upcoming dividend of PK₨1.50 per share

Second quarter 2021 earnings released: EPS PK₨3.51 (vs PK₨3.22 in 2Q 2020)

Upcoming dividend of PK₨1.50 per share

First quarter 2021 earnings released: EPS PK₨4.08 (vs PK₨3.61 in 1Q 2020)

Upcoming Dividend of PK₨10.50 Per Share

Full year 2020 earnings released: EPS PK₨17.84 (vs PK₨15.49 in FY 2019)

New 90-day low: PK₨186

New 90-day high: PK₨209

New 90-day low: PK₨187

Upcoming Dividend of PK₨1.50 Per Share

Third quarter earnings released

New 90-day low: PK₨190

New 90-day high - PK₨216

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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