EFUL EFU Life Assurance Limited
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 112.00 +1.65%
Annual · FY2006 – FY2025
EFU Life Assurance Limited (EFUL) cash flow statement
Operating activities generated -Rs 10.7 bn of cash in FY2025 (Jan – Dec 2025). Capital expenditure was Rs 787.3 mn. Dividends paid to shareholders came to Rs 1.6 bn. Overall, cash increased by Rs 3.2 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 | (10.7) | (10.8) | (4.4) | 3.9 | 3.9 | 6.8 | 8.8 | 9.3 | 9.0 | 1.7 | 16.9 | 8.5 | 6.4 | 5.5 | 4.3 | 3.5 | 3.0 | 3.0 | 1.9 | 1.4 |
| Capital expenditure | (0.8) | (1.0) | (0.9) | (0.4) | (0.4) | (0.3) | (0.5) | (0.5) | (0.3) | (0.6) | (0.7) | (0.4) | (0.3) | (0.2) | (0.1) | (0.1) | (0.1) | (0.1) | (0.1) | (0.0) |
| Net cash from investing activities | 15.7 | 5.0 | (0.4) | (12.2) | 2.4 | (6.1) | (1.5) | (6.5) | (1.3) | (2.7) | (9.2) | (7.8) | 0.0 | (4.3) | (3.6) | (3.6) | (2.7) | (2.4) | (1.6) | (1.2) |
| Dividends paid | (1.6) | (1.5) | (1.5) | (1.5) | (1.5) | (1.5) | (1.6) | (1.5) | (1.6) | (1.0) | (0.9) | (0.7) | (0.5) | (0.6) | (0.4) | (0.4) | (0.3) | (0.2) | (0.1) | (0.0) |
| Net cash from financing activities | (1.8) | (1.7) | (1.7) | (1.7) | (1.7) | (1.7) | (1.7) | (1.5) | (1.6) | (1.0) | (0.9) | (0.7) | (0.5) | (0.6) | (0.4) | (0.4) | (0.3) | (0.2) | (0.1) | (0.0) |
| Net change in cash | 3.2 | (6.5) | (6.4) | (10.0) | 4.6 | (1.0) | 5.5 | 1.3 | 6.1 | (2.0) | 6.7 | 0.1 | 5.9 | 0.6 | 0.3 | (0.5) | (0.1) | 0.5 | 0.3 | 0.2 |
| 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 | — | — | -211.6% | +0.5% | -42.9% | -22.3% | -5.9% | +3.7% | +438.0% | -90.1% | +97.9% | +34.2% | +16.5% | +26.5% | +23.7% | +16.6% | +0.2% | +57.1% | +31.8% | — |
| Capital expenditure | -18.8% | +7.4% | +149.7% | -18.1% | +28.2% | -25.9% | -10.1% | +90.5% | -56.2% | -9.5% | +87.5% | +29.1% | +29.3% | +185.0% | -34.7% | +42.7% | +13.5% | +29.6% | +28.7% | — |
| Net cash from investing activities | +217.2% | — | — | -617.9% | — | — | — | — | — | — | — | -27,090.6% | — | — | — | — | — | — | — | — |
| Dividends paid | +3.4% | +1.5% | 0.0% | 0.0% | 0.0% | -4.8% | +5.0% | -4.8% | +57.5% | +11.1% | +38.5% | +32.7% | -11.3% | +30.0% | +3.0% | +22.2% | +125.0% | +150.7% | +42.9% | — |
| Net cash from financing activities | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Net change in cash | — | — | — | -318.0% | — | -117.6% | +313.7% | -78.1% | — | -129.8% | +12,782.2% | -99.1% | +911.9% | +84.7% | — | — | -112.5% | +78.8% | +16.8% | — |
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 42
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Cash Flow from Operating Activities | (10.7) | (10.8) | (4.4) | 3.9 | 3.9 | 6.8 | 8.8 | 9.3 | 9.0 | 1.7 |
| Capital Expenditures - Net - Cash Flow | 0.7 | 0.7 | 0.7 | 0.3 | 0.4 | 0.3 | 0.4 | 0.4 | 0.3 | 0.6 |
| Property, Plant & Equipment - Purchased/(Sold) - Net - Cash Flow | 0.7 | 0.7 | 0.7 | 0.3 | 0.4 | 0.3 | 0.4 | 0.4 | 0.3 | 0.6 |
| Property, Plant & Equipment - Purchased - Cash Flow | 0.8 | 1.0 | 0.9 | 0.4 | 0.4 | 0.3 | 0.5 | 0.5 | 0.3 | 0.6 |
| Property, Plant & Equipment Sold - Cash Flow | 0.1 | 0.3 | 0.2 | 0.1 | 0.1 | 0.0 | 0.1 | 0.1 | 0.0 | 0.0 |
| Capital Expenditures - Total | 0.8 | 1.0 | 0.9 | 0.4 | 0.4 | 0.3 | 0.5 | 0.5 | 0.3 | 0.6 |
| Investments excluding Loans - Decrease/(Increase) - Cash Flow | 16.4 | 5.6 | 0.3 | (12.0) | 2.7 | (5.8) | (1.1) | (6.0) | (1.1) | (2.1) |
| Investment Securities - Unclassified - Sold/(Purchased) - Net - Total - Cash Flow | 16.4 | 5.6 | 0.3 | (12.0) | 2.7 | (5.8) | (1.1) | (6.0) | (1.1) | (2.1) |
| Investment Securities - Sold/Matured - Unclassified - Cash Flow | 223.6 | 212.2 | 276.8 | 82.8 | 95.6 | 90.3 | 398.9 | 292.2 | 150.2 | 85.4 |
| Investment Securities - Purchased - Unclassified - Cash Flow | 207.2 | 206.6 | 276.5 | 94.7 | 92.9 | 96.2 | 400.0 | 298.3 | 151.3 | 87.5 |
| Net Cash Flow from Investing Activities | 15.7 | 5.0 | (0.4) | (12.2) | 2.4 | (6.1) | (1.5) | (6.5) | (1.3) | (2.7) |
| Dividends Paid - Cash - Total - Cash Flow | 1.6 | 1.5 | 1.5 | 1.5 | 1.5 | 1.5 | 1.6 | 1.5 | 1.6 | 1.0 |
| Dividends - Common - Cash Paid | 1.6 | 1.5 | 1.5 | 1.5 | 1.5 | 1.5 | 1.6 | 1.5 | 1.6 | 1.0 |
| Debt - Long-Term & Short-Term - Issuance/(Retirement) - Total - Cash Flow | (0.3) | (0.2) | (0.2) | (0.2) | (0.2) | (0.2) | (0.1) | — | — | — |
| Debt - Issued/Reduced - Long-Term - Cash Flow | (0.3) | (0.2) | (0.2) | (0.2) | (0.2) | (0.2) | (0.1) | — | — | — |
| Lease liabilities - Issued/(Reduced) - Cash Flow | (0.3) | (0.2) | (0.2) | (0.2) | (0.2) | (0.2) | (0.1) | — | — | — |
| Debt - Reduced - Long-Term - Cash Flow | 0.3 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.1 | — | — | — |
| 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 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.1 | — | — | — |
| Other Financing Cash Flow - Increase/(Decrease) | — | — | — | — | — | — | — | — | — | 0.0 |
| Net Cash Flow from Financing Activities | (1.8) | (1.7) | (1.7) | (1.7) | (1.7) | (1.7) | (1.7) | (1.5) | (1.6) | (1.0) |
| Non-Classified Cash Flows | — | 1.1 | — | — | — | — | — | — | — | — |
| Net Change in Cash - Total | 3.2 | (6.5) | (6.4) | (10.0) | 4.6 | (1.0) | 5.5 | 1.3 | 6.1 | (2.0) |
| Net Cash from Continuing Operations | 3.2 | (7.6) | (6.4) | (10.0) | 4.6 | (1.0) | 5.5 | 1.3 | 6.1 | (2.0) |
| Net Cash - Beginning Balance | 6.0 | 12.6 | 19.0 | 29.0 | 24.4 | 25.4 | 19.8 | 18.5 | 12.4 | 14.4 |
| Net Cash - Ending Balance | 9.2 | 6.0 | 12.6 | 19.0 | 29.0 | 24.4 | 25.4 | 19.8 | 18.5 | 12.4 |
| Cash Receipts - Business Activities - Cash Flow | 56.8 | 42.6 | 38.6 | 39.8 | 37.4 | 32.9 | 31.7 | 30.8 | 31.6 | 24.7 |
| Premiums Received - Cash Flow | 56.8 | 42.6 | 38.6 | 39.8 | 37.4 | 32.9 | 31.7 | 30.8 | 31.6 | 24.7 |
| Cash Payments - Business Activities - Cash Flow | 63.4 | 51.4 | 40.5 | 34.4 | 32.8 | 25.0 | 22.5 | 20.0 | 20.8 | 21.4 |
| Reinsurance Paid - Cash Flow | 1.1 | 0.1 | 0.8 | 0.9 | 1.3 | 1.0 | 0.6 | 0.4 | 0.7 | 0.2 |
| Claims Paid - Cash Flow | 57.7 | 47.3 | 36.5 | 30.9 | 29.1 | 22.1 | 20.1 | 18.0 | 18.7 | 21.2 |
| Cash Payments - Other - Cash Flow | 4.6 | 4.0 | 3.3 | 2.5 | 2.3 | 1.9 | 1.8 | 1.6 | 1.4 | — |
| Income Taxes - Paid/(Reimbursed) - Cash Flow | 2.1 | 1.7 | 1.5 | 0.8 | 1.0 | 0.5 | 1.5 | 0.8 | 1.1 | 0.8 |
| Interest & Dividends - Received - Total - Cash Flow - Direct | 4.1 | 3.5 | 2.7 | 2.6 | 2.2 | 1.0 | 0.9 | 1.5 | 1.7 | 1.5 |
| Cash Receipts/(Payments) - Net - Cash Flow | (6.2) | (3.9) | (3.6) | (3.3) | (1.9) | (1.6) | 0.1 | (2.1) | (2.4) | (2.2) |
| Income Taxes - Paid/(Reimbursed) - Cash Flow - Supplemental | 2.1 | 1.7 | 1.5 | 0.8 | 1.0 | 0.5 | 1.5 | 0.8 | 1.1 | 0.8 |
| Interest & Dividends - Received - Cash Flow - Supplemental | 4.1 | 3.5 | 2.7 | 2.6 | 2.2 | 1.0 | 0.9 | 1.5 | 1.7 | 1.5 |
| Working Capital - Cash Flow - Direct - Supplemental | (5.5) | (4.0) | (3.8) | (2.8) | (1.9) | (1.4) | (1.8) | (1.4) | (1.0) | — |
| CF from Optg Activities before Change in WC & Int Payments | (10.7) | (10.8) | (4.4) | (10.6) | (3.9) | (18.1) | (4.4) | 9.3 | 9.0 | 1.7 |
| Depreciation, Depletion & Amortization - Cash Flow | — | — | — | 0.5 | 0.5 | 0.5 | 0.5 | — | — | — |
| Free Cash Flow to Equity | (11.6) | (11.7) | (5.2) | 3.5 | 3.4 | 6.4 | 8.2 | 8.9 | 8.7 | 1.1 |
| Free Cash Flow Net of Dividends | (13.1) | (13.3) | (6.8) | 2.0 | 1.9 | 5.0 | 6.7 | 7.3 | 7.1 | 0.1 |
| Free Cash Flow | (11.5) | (11.8) | (5.3) | 3.5 | 3.4 | 6.5 | 8.3 | 8.8 | 8.7 | 1.1 |
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.