EFUG EFU General Insurance Limited
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 120.72 +0.60%
Financials
EFU General Insurance Limited (EFUG) financials
20 years of annual results (FY2006 – FY2025), 80 quarters.
EFU General Insurance Limited (EFUG) reported total income of Rs 102.7 bn for FY2025 (Jan – Dec 2025), up 5.8% from FY2024.
Profit attributable to shareholders was Rs 5.6 bn (EPS Rs 28.24), up 49.4%.
It declared a dividend of Rs 10.00 per share for FY2025 and has paid a dividend in each of the last 20 years.
Return on equity was 20.9%.
Over the last five years total income grew at a compound 10.4% a year.
At Rs 120.72 (close on 16 Oct 2026) the shares trade at 4.1× earnings (TTM to Jun 2026) and 0.81× book value, with a dividend yield of 8.3%.
Fundamentals
EFUG at a glance
Net premium earned · FY2025
Rs 67.0 bn
▲ 24.1% year on year
Profit attributable to shareholders · FY2025
Rs 5.6 bn
▲ 49.4% year on year
EPS – basic (Rs) · FY2025
Rs 28.24
▲ 49.4% year on year
Dividend per share (Rs) · FY2025
Rs 10.00
▲ 0.0% year on year
Investments · FY2025
Rs 304.2 bn
▲ 13.0% year on year
Return on equity (ROE) · FY2025
20.9%
+4.7 pts year on year
Financial statements
Income statement
Revenue, costs, profit and earnings per share.
- Total income · FY2025
- Rs 102.7 bn
- Profit attributable · FY2025
- Rs 5.6 bn
Balance sheet
Assets, liabilities, debt and shareholders' equity.
- Total assets · FY2025
- Rs 380.1 bn
- Equity · FY2025
- Rs 28.8 bn
Financial highlights
EFUG financial results
| Rs bn | FY2025 * Jan – Dec 2025 | FY2024 * Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 * Jan – Dec 2022 | FY2021 * Jan – Dec 2021 |
|---|---|---|---|---|---|
| Net premium earned | 67.0 | 54.0 | 48.7 | 48.7 | 46.1 |
| Investment income (net) | 31.4 | 41.4 | 8.1 | 7.3 | 13.1 |
| Net claims & benefits | (55.1) | (46.9) | (37.2) | (31.1) | (27.3) |
| Profit before tax | 11.6 | 9.1 | 8.3 | 2.7 | 5.3 |
| Profit attributable to shareholders | 5.6 | 3.8 | 3.3 | 0.4 | 2.8 |
| EPS – basic (Rs) Rs | 28.24 | 18.91 | 16.36 | 2.11 | 13.90 |
| Dividend per share (Rs) Rs | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Investments | 304.2 | 269.3 | 207.2 | 171.5 | 144.2 |
| Total assets | 380.1 | 335.3 | 276.1 | 234.7 | 210.7 |
| Total equity | 34.8 | 30.9 | 25.6 | 23.7 | 25.9 |
| Rs bn | TTM to Jun 2026 | Q2 FY2026 Apr – Jun 2026 | Q1 FY2026 Jan – Mar 2026 | Q4 FY2025 Oct – Dec 2025 | Q3 FY2025 Jul – Sep 2025 | Q2 FY2025 Apr – Jun 2025 | Q1 FY2025 Jan – Mar 2025 | Q4 FY2024 * Oct – Dec 2024 | Q3 FY2024 Jul – Sep 2024 |
|---|---|---|---|---|---|---|---|---|---|
| Net premium earned | 73.0 | 19.0 | 18.2 | 19.8 | 16.0 | 15.1 | 16.2 | 16.7 | 13.0 |
| Investment income (net) | 19.2 | 2.1 | 2.2 | 7.6 | 7.3 | 1.8 | 2.4 | 34.0 | 2.8 |
| Net claims & benefits | (57.8) | (14.2) | (14.4) | (15.7) | (13.5) | (12.5) | (13.4) | (12.7) | (12.4) |
| Profit before tax | 11.7 | 3.0 | 2.4 | 2.7 | 3.6 | 2.6 | 2.7 | 1.6 | 1.7 |
| Profit attributable to shareholders | 5.8 | 1.5 | 1.1 | 1.3 | 1.9 | 1.2 | 1.2 | 0.5 | 0.7 |
| EPS – basic (Rs) Rs | 29.18 | 7.71 | 5.58 | 6.55 | 9.35 | 6.25 | 6.10 | 2.53 | 3.70 |
| Dividend per share (Rs) Rs | 10.00 | 1.50 | 1.50 | 5.50 | 1.50 | 1.50 | 1.50 | 5.50 | 1.50 |
| Investments | 313.0 | 313.0 | 291.6 | 304.2 | 295.2 | 275.8 | 273.5 | 269.3 | 241.1 |
| Total assets | 386.3 | 386.3 | 364.6 | 380.1 | 380.7 | 348.9 | 337.8 | 335.3 | 307.3 |
| Total equity | 35.7 | 35.7 | 32.6 | 34.8 | 34.2 | 31.8 | 30.4 | 30.9 | 29.3 |
Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets. Free cash flow and book value per share are calculated by Smart Money; TTM = the latest four quarters. * Some FY2025 figures do not fully reconcile in the source data. Updated 16 Oct 2026.