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%
Financials
EFU Life Assurance Limited (EFUL) financials
20 years of annual results (FY2006 – FY2025), 80 quarters.
EFU Life Assurance Limited (EFUL) reported total income of Rs 82.8 bn for FY2025 (Jan – Dec 2025), up 3.7% from FY2024.
Profit attributable to shareholders was Rs 2.4 bn (EPS Rs 16.71), down 18.3%.
It declared a dividend of Rs 10.77 per share for FY2025 and has paid a dividend in each of the last 20 years.
Return on equity was 25.3%.
Over the last five years total income grew at a compound 12.0% a year.
At Rs 112.00 (close on 16 Oct 2026) the shares trade at 6.5× earnings (TTM to Jun 2026) and 1.61× book value, with a dividend yield of 9.6%.
Fundamentals
EFUL at a glance
Net premium earned · FY2025
Rs 52.6 bn
▲ 33.2% year on year
Profit attributable to shareholders · FY2025
Rs 2.4 bn
▼ 18.3% year on year
EPS – basic (Rs) · FY2025
Rs 16.71
▼ 19.2% year on year
Dividend per share (Rs) · FY2025
Rs 10.77
▲ 0.0% year on year
Investments · FY2025
Rs 282.6 bn
▲ 14.3% year on year
Return on equity (ROE) · FY2025
25.3%
-11.7 pts year on year
Financial statements
Income statement
Revenue, costs, profit and earnings per share.
- Total income · FY2025
- Rs 82.8 bn
- Profit attributable · FY2025
- Rs 2.4 bn
Balance sheet
Assets, liabilities, debt and shareholders' equity.
- Total assets · FY2025
- Rs 298.0 bn
- Equity · FY2025
- Rs 10.1 bn
Financial highlights
EFUL financial results
| 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 premium earned | 52.6 | 39.5 | 36.4 | 38.5 | 36.4 | 31.7 | 31.1 | 30.2 | 30.8 | 23.9 |
| Investment income (net) | 4.3 | 4.6 | 4.7 | 5.0 | 3.6 | 2.5 | 11.6 | 6.9 | 6.4 | 15.8 |
| Net claims & benefits | (49.1) | (41.1) | (32.1) | (25.5) | (23.0) | (17.9) | (15.7) | (13.1) | (14.2) | (17.8) |
| Profit before tax | 4.0 | 5.0 | 4.0 | 2.8 | 2.1 | 2.5 | 2.4 | 2.3 | 2.8 | 2.8 |
| Profit attributable to shareholders | 2.4 | 3.0 | 2.1 | 1.7 | 1.5 | 1.8 | 1.5 | 1.6 | 1.9 | 1.9 |
| EPS – basic (Rs) Rs | 16.71 | 20.68 | 14.83 | 12.15 | 10.83 | 12.82 | 11.13 | 11.36 | 13.72 | 13.45 |
| Dividend per share (Rs) Rs | 10.77 | 10.77 | 10.77 | 10.77 | 10.77 | 10.77 | 10.77 | 10.77 | 10.77 | 10.77 |
| Investments | 282.6 | 247.3 | 199.4 | 164.8 | 151.1 | 142.6 | 116.3 | 108.0 | 99.6 | 98.2 |
| Total assets | 298.0 | 259.4 | 210.2 | 178.5 | 163.2 | 154.5 | 129.3 | 116.8 | 109.5 | 106.3 |
| Total equity | 10.1 | 9.2 | 6.9 | 6.3 | 6.2 | 6.2 | 5.9 | 6.0 | 6.0 | 4.2 |
| 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 | 58.4 | 15.2 | 14.6 | 16.1 | 12.5 | 11.5 | 12.5 | 12.8 | 9.6 |
| Investment income (net) | 4.3 | 1.2 | 0.9 | 1.4 | 0.8 | 0.8 | 1.3 | 1.0 | 1.1 |
| Net claims & benefits | (51.7) | (12.8) | (13.2) | (13.8) | (11.8) | (11.3) | (12.1) | (11.0) | (10.7) |
| Profit before tax | 3.9 | 1.2 | 0.7 | 1.0 | 1.0 | 1.0 | 1.0 | 1.5 | 0.9 |
| Profit attributable to shareholders | 2.5 | 0.9 | 0.4 | 0.6 | 0.6 | 0.6 | 0.6 | 0.9 | 0.5 |
| EPS – basic (Rs) Rs | 17.20 | 6.12 | 2.70 | 4.29 | 4.10 | 3.94 | 4.39 | 6.43 | 3.67 |
| Dividend per share (Rs) Rs | 10.77 | 1.08 | 1.08 | 7.54 | 1.08 | 1.08 | 1.08 | 7.54 | 1.08 |
| Investments | 289.3 | 289.3 | 274.3 | 282.6 | 274.8 | 254.7 | 252.6 | 247.3 | 228.9 |
| Total assets | 304.0 | 304.0 | 288.1 | 298.0 | 288.5 | 269.2 | 263.7 | 259.4 | 239.0 |
| Total equity | 10.2 | 10.2 | 9.4 | 10.1 | 9.6 | 9.1 | 8.7 | 9.2 | 8.4 |
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. Updated 16 Oct 2026.