EFUG · Ratios · TradingHolo

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EFU General Insurance Ltd

KAR:EFUGFinancePSX:ALLSHR

Rs 124.30+2.97%LiveIn session · ≈ AED 1.65 · Market cap $89.29M

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Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Trend	YoY
Operating margin	8.5%	7.9%	6.4%	9.6%	10.9%	12.1%		+1.2 pts
Net margin	4.2%	4.2%	0.6%	3.8%	3.8%	5.4%		+1.6 pts
Return on equity	11.0%	12.2%	2.2%	15.4%	15.0%	19.6%		+4.7 pts
Return on assets	1.2%	1.3%	0.2%	1.2%	1.1%	1.5%		+0.4 pts
Return on capital employed	2.8%	2.6%	2.2%	3.4%	3.6%	3.7%		+0.1 pts
Debt / equity	0.0×	0.0×	0.0×	0.0×	0.0×	0.0×		+46.9%
Debt / assets	0.3%	0.4%	0.3%	0.3%	0.2%	0.3%		+0.1 pts
Interest coverage	129.1×	127.1×	161.7×	73.3×	78.6×	61.1×		−22.3%
Current ratio	1.0×	1.1×	1.1×	1.2×	1.2×	1.4×		+11.3%
Quick ratio	1.0×	1.1×	1.1×	1.2×	1.2×	1.4×		+11.3%
Cash ratio	0.4×	0.3×	0.3×	0.3×	0.3×	0.3×		+3.4%
Asset turnover	0.3×	0.3×	0.3×	0.3×	0.3×	0.3×		−7.5%
Dividend payout	115.7%	106.8%	651.4%	84.7%	73.3%	49.8%		−23.5 pts

Margins, returns, leverage and liquidityUpdated 31 Dec 2025 ·

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