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%
Annual · FY2006 – FY2025
EFU General Insurance Limited (EFUG) cash flow statement
Operating activities generated Rs 16.4 bn of cash in FY2025 (Jan – Dec 2025), down 43.7% on FY2024. Capital expenditure was Rs 1.2 bn. Dividends paid to shareholders came to Rs 2.8 bn. Overall, cash increased by Rs 3.7 bn.
| Rs bn | FY2025 * Jan – Dec 2025 | FY2024 * Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 * Jan – Dec 2022 | FY2021 * Jan – Dec 2021 | FY2020 * Jan – Dec 2020 | FY2019 * Jan – Dec 2019 | FY2018 * Jan – Dec 2018 | FY2017 * Jan – Dec 2017 | FY2016 * Jan – Dec 2016 | FY2015 * Jan – Dec 2015 | FY2014 * Jan – Dec 2014 | FY2013 * Jan – Dec 2013 | FY2012 * Jan – Dec 2012 | FY2011 * Jan – Dec 2011 | FY2010 * Jan – Dec 2010 | FY2009 * Jan – Dec 2009 | FY2008 * Jan – Dec 2008 | FY2007 * Jan – Dec 2007 | FY2006 * Jan – Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net cash from operating activities | 16.4 | 29.2 | 30.0 | 74.3 | 60.8 | 30.7 | 28.2 | 22.0 | 13.0 | 8.9 | 9.9 | 9.4 | 9.6 | 6.6 | 7.4 | 6.3 | 5.4 | 7.1 | 6.2 | 6.5 |
| Capital expenditure | (1.2) | (1.2) | (1.4) | (0.7) | (0.8) | (0.6) | (1.0) | (0.9) | (0.4) | (0.2) | (0.4) | (0.2) | (0.2) | (0.3) | (0.2) | (0.3) | (0.1) | (0.2) | (0.2) | (0.1) |
| Net cash from investing activities | (9.6) | (34.2) | (32.6) | (31.2) | (7.8) | (18.6) | (11.3) | 9.8 | (2.7) | (0.5) | (0.9) | (0.3) | (0.8) | (0.6) | (0.8) | 0.2 | (0.2) | 0.9 | (0.5) | (0.9) |
| Dividends paid | (2.8) | (2.8) | (2.8) | (2.7) | (2.8) | (2.8) | (3.0) | (2.8) | (2.1) | (1.3) | (1.2) | (0.6) | (0.6) | (0.5) | (0.2) | (0.4) | (0.4) | (0.6) | (0.1) | (0.1) |
| Net cash from financing activities | (3.1) | (3.0) | (3.0) | (3.0) | (3.0) | (3.0) | (3.0) | (2.8) | (2.1) | (1.3) | (1.2) | (0.6) | (0.6) | (0.5) | (0.2) | (0.4) | (0.4) | (0.6) | (0.1) | (0.1) |
| Net change in cash | 3.7 | (7.1) | (5.7) | (9.6) | 4.4 | (0.8) | 5.5 | 19.9 | (0.0) | 0.1 | 0.2 | (0.6) | 0.4 | (0.1) | 0.1 | 0.4 | 0.0 | 0.1 | 0.0 | (0.1) |
| Rs mn | FY2025 * Jan – Dec 2025 | FY2024 * Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 * Jan – Dec 2022 | FY2021 * Jan – Dec 2021 | FY2020 * Jan – Dec 2020 | FY2019 * Jan – Dec 2019 | FY2018 * Jan – Dec 2018 | FY2017 * Jan – Dec 2017 | FY2016 * Jan – Dec 2016 | FY2015 * Jan – Dec 2015 | FY2014 * Jan – Dec 2014 | FY2013 * Jan – Dec 2013 | FY2012 * Jan – Dec 2012 | FY2011 * Jan – Dec 2011 | FY2010 * Jan – Dec 2010 | FY2009 * Jan – Dec 2009 | FY2008 * Jan – Dec 2008 | FY2007 * Jan – Dec 2007 | FY2006 * Jan – Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net cash from operating activities | -43.7% | -2.7% | -59.6% | +22.2% | +98.0% | +8.8% | +28.4% | +69.3% | +45.5% | -9.9% | +5.2% | -1.7% | +44.4% | -10.8% | +17.2% | +16.5% | -23.4% | +13.9% | -4.2% | — |
| Capital expenditure | +0.8% | -13.1% | +97.0% | -9.4% | +32.4% | -40.3% | +10.0% | +132.7% | +81.6% | -43.5% | +63.4% | +19.8% | -33.3% | +32.8% | -32.2% | +150.5% | -41.2% | +30.2% | +13.3% | — |
| Net cash from investing activities | — | — | — | — | — | — | -215.1% | — | — | — | — | — | — | — | -506.2% | — | -121.6% | — | — | — |
| Dividends paid | +1.5% | -0.0% | +1.0% | -1.3% | -0.7% | -6.0% | +7.1% | +31.8% | +63.8% | +3.2% | +94.5% | +5.0% | +33.8% | +200.8% | -66.1% | +20.7% | -36.0% | +294.3% | +67.5% | — |
| Net cash from financing activities | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Net change in cash | — | — | — | -314.8% | — | -115.4% | -72.6% | — | -126.5% | -48.1% | — | -236.1% | — | -271.2% | -85.6% | +677.3% | -67.4% | +422.3% | — | — |
Change against the previous fiscal year; shown when the earlier figure is positive.
Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets; "—" = not reported. * Figures in this period do not fully reconcile in the source data (hover the * for details). Updated 16 Oct 2026.
All reported line items 52
| Rs bn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 | FY2020 Jan – Dec 2020 | FY2019 Jan – Dec 2019 | FY2018 Jan – Dec 2018 | FY2017 Jan – Dec 2017 | FY2016 Jan – Dec 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Non-cash Items & Reconciliation Adjustments - Cash Flow | — | — | — | 1.4 | 1.0 | 1.0 | 1.0 | 0.6 | 0.2 | 0.2 |
| Other Non-Cash Items & Reconciliation Adjustments - Cash Flow - to Reconcile | — | — | — | — | — | — | — | — | — | (0.0) |
| Depreciation, Depletion & Amortization including Impairment - Cash Flow - to Reconcile | — | — | — | 1.4 | 1.0 | 1.0 | 1.0 | 0.6 | 0.2 | 0.2 |
| Depreciation & Depletion - Property, Plant & Equipment - Cash Flow - to Reconcile | — | — | — | 1.4 | 1.0 | 1.0 | 1.0 | 0.6 | 0.2 | 0.2 |
| Income Taxes - Paid/(Reimbursed) - Cash Flow | — | — | — | 1.8 | 2.1 | 1.3 | 2.5 | 1.6 | 1.4 | 1.1 |
| Interest & Dividends - Received - Total - Cash Flow | — | — | — | 20.2 | 13.4 | 13.5 | 11.2 | 6.9 | 1.6 | 1.1 |
| Cash Flow from Operating Activities before Changes in Working Capital | — | — | — | 19.8 | 12.3 | 13.2 | 9.6 | 5.9 | 0.5 | 0.2 |
| Working Capital - Increase/(Decrease) - Cash Flow | — | — | — | 54.5 | 48.5 | 17.5 | 18.6 | 16.0 | 12.5 | 8.7 |
| Insurance Receivables Decrease/(Increase) - Cash Flow | — | — | — | 70.6 | 61.3 | 30.4 | 30.6 | 27.3 | 22.2 | 16.8 |
| Insurance Payables including Reinsurance - Increase/(Decrease) - Cash Flow | — | — | — | (16.2) | (12.8) | (12.9) | (12.0) | (11.2) | (9.7) | (8.1) |
| Net Cash Flow from Operating Activities | 16.4 | 29.2 | 30.0 | 74.3 | 60.8 | 30.7 | 28.2 | 22.0 | 13.0 | 8.9 |
| Capital Expenditures - Net - Cash Flow | 0.9 | 0.8 | 1.1 | 0.6 | 0.7 | 0.5 | 0.9 | 0.8 | 0.3 | 0.2 |
| Property, Plant & Equipment - Purchased/(Sold) - Net - Cash Flow | 0.9 | 0.8 | 1.1 | 0.6 | 0.7 | 0.5 | 0.9 | 0.8 | 0.3 | 0.2 |
| Property, Plant & Equipment - Purchased - Cash Flow | 1.2 | 1.2 | 1.4 | 0.7 | 0.8 | 0.6 | 1.0 | 0.9 | 0.4 | 0.2 |
| Property, Plant & Equipment Sold - Cash Flow | 0.3 | 0.4 | 0.3 | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 |
| Capital Expenditures - Total | 1.2 | 1.2 | 1.4 | 0.7 | 0.8 | 0.6 | 1.0 | 0.9 | 0.4 | 0.2 |
| Acquisition & Disposals of Business - Assets - Sold/(Acquired) - Net - Cash Flow | — | — | — | — | — | — | 0.0 | 18.1 | 0.0 | — |
| Investments excluding Loans - Decrease/(Increase) - Cash Flow | (8.8) | (33.6) | (31.7) | (30.7) | (7.3) | (18.1) | (10.6) | (7.6) | (2.4) | (0.4) |
| Investment Securities - Unclassified - Sold/(Purchased) - Net - Total - Cash Flow | (8.8) | (33.6) | (31.7) | (30.7) | (7.3) | (18.1) | (10.6) | (7.6) | (2.4) | (0.4) |
| Investment Securities - Sold/Matured - Unclassified - Cash Flow | 246.1 | 194.8 | 253.7 | 76.0 | 102.1 | 91.3 | 428.1 | 266.4 | 14.5 | 9.8 |
| Investment Securities - Purchased - Unclassified - Cash Flow | 254.9 | 228.4 | 285.4 | 106.8 | 109.4 | 109.4 | 438.7 | 274.0 | 16.9 | 10.2 |
| Other Investing Cash Flow - Decrease/(Increase) | 0.1 | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
| Net Cash Flow from Investing Activities | (9.6) | (34.2) | (32.6) | (31.2) | (7.8) | (18.6) | (11.3) | 9.8 | (2.7) | (0.5) |
| Dividends Paid - Cash - Total - Cash Flow | 2.8 | 2.8 | 2.8 | 2.7 | 2.8 | 2.8 | 3.0 | 2.8 | 2.1 | 1.3 |
| Dividends - Common - Cash Paid | 2.8 | 2.8 | 2.8 | 2.7 | 2.8 | 2.8 | 3.0 | 2.8 | 2.1 | 1.3 |
| Debt - Long-Term & Short-Term - Issuance/(Retirement) - Total - Cash Flow | (0.3) | (0.3) | (0.2) | (0.2) | (0.2) | (0.2) | — | — | — | — |
| Debt - Issued/Reduced - Long-Term - Cash Flow | (0.3) | (0.3) | (0.2) | (0.2) | (0.2) | (0.2) | — | — | — | — |
| Lease liabilities - Issued/(Reduced) - Cash Flow | (0.3) | (0.3) | (0.2) | (0.2) | (0.2) | (0.2) | — | — | — | — |
| Debt - Reduced - Long-Term - Cash Flow | 0.3 | 0.3 | 0.2 | 0.2 | 0.2 | 0.2 | — | — | — | — |
| Lease liabilities - Reduced - Cash flow represents cash outflow due to the repayment of lease liability/debt of the company. It includes finance leases, capitalized lease, and hire-purchase agreement. Applicable to all industries. If Lease liability issue | 0.3 | 0.3 | 0.2 | 0.2 | 0.2 | 0.2 | — | — | — | — |
| Net Cash Flow from Financing Activities | (3.1) | (3.0) | (3.0) | (3.0) | (3.0) | (3.0) | (3.0) | (2.8) | (2.1) | (1.3) |
| Non-Classified Cash Flows | — | 1.1 | 0.0 | — | — | — | — | — | — | — |
| Net Change in Cash - Total | 3.7 | (7.1) | (5.7) | (9.6) | 4.4 | (0.8) | 5.5 | 19.9 | (0.0) | 0.1 |
| Net Cash from Continuing Operations | 3.7 | (8.1) | (5.7) | 40.1 | 50.0 | 9.1 | 13.9 | 29.0 | 8.2 | 7.1 |
| Net Cash - Beginning Balance | 8.1 | 15.1 | 20.8 | 30.2 | 25.7 | 26.6 | 21.1 | 1.2 | 1.2 | 1.7 |
| Net Cash - Ending Balance | 11.7 | 8.1 | 15.1 | 20.6 | 30.2 | 25.7 | 26.6 | 21.1 | 1.2 | 1.9 |
| Cash Receipts - Business Activities - Cash Flow | 1.7 | 1.8 | 1.3 | — | — | — | — | — | — | — |
| Cash Receipts - Other - Cash Flow | 1.7 | 1.8 | 1.3 | — | — | — | — | — | — | — |
| Cash Payments - Business Activities - Cash Flow | 85.0 | 71.0 | 53.6 | — | — | — | — | — | — | — |
| Claims Paid - Cash Flow | 60.7 | 51.1 | 40.1 | — | — | — | — | — | — | — |
| Cash Payments - Other - Cash Flow | 24.4 | 19.8 | 13.5 | — | — | — | — | — | — | — |
| Income Taxes - Paid/(Reimbursed) - Cash Flow | 5.0 | 4.5 | 2.9 | — | — | — | — | — | — | — |
| Interest & Dividends - Received - Total - Cash Flow - Direct | 31.6 | 42.8 | 36.1 | — | — | — | — | — | — | — |
| Cash Receipts/(Payments) - Net - Cash Flow | 73.1 | 60.0 | 49.0 | — | — | — | — | — | — | — |
| Income Taxes - Paid/(Reimbursed) - Cash Flow - Supplemental | 5.0 | 4.5 | 2.9 | 1.8 | 2.1 | 1.3 | 2.5 | 1.6 | 1.4 | 1.1 |
| Interest & Dividends - Received - Cash Flow - Supplemental | 31.6 | 42.8 | 36.1 | 20.2 | 13.4 | 13.5 | 11.2 | 6.9 | 1.6 | 1.1 |
| Working Capital - Cash Flow - Direct - Supplemental | 73.1 | 60.0 | 49.0 | — | — | — | — | — | — | — |
| CF from Optg Activities before Change in WC & Int Payments | 16.4 | 29.2 | 30.0 | 19.8 | 12.3 | 13.2 | 9.6 | 5.9 | 0.5 | 0.2 |
| Depreciation, Depletion & Amortization - Cash Flow | — | — | — | 1.4 | 1.0 | 1.0 | 1.0 | 0.6 | 0.2 | 0.2 |
| Free Cash Flow to Equity | 15.2 | 28.1 | 28.7 | 73.5 | 59.9 | 30.0 | 27.4 | 21.2 | 12.6 | 8.7 |
| Free Cash Flow Net of Dividends | 12.4 | 25.2 | 25.8 | 70.8 | 57.2 | 27.3 | 24.2 | 18.3 | 10.5 | 7.4 |
| Free Cash Flow | 15.2 | 27.9 | 28.6 | 73.6 | 60.0 | 30.1 | 27.2 | 21.1 | 12.6 | 8.7 |
Every line the company reported, in the original order and wording, without regrouping or signs changed. Latest 10 periods; the table above goes back further.