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EFU Life Assurance Ltd

KAR:EFULFinancePSX:ALLSHR

Rs 113.66+1.48%LiveIn session · ≈ AED 1.51 · Market cap $60.6M

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	YoY
Operating margin	5.4%	4.3%	4.9%	3.5%	6.3%	5.0%	−1.2 pts
Net margin	3.8%	3.0%	2.9%	3.0%	3.7%	2.9%	−0.8 pts
Return on equity	28.9%	24.4%	26.7%	29.7%	32.5%	24.1%	−8.4 pts
Return on assets	1.2%	0.9%	0.9%	1.0%	1.2%	0.8%	−0.3 pts
Return on capital employed	1.7%	1.4%	1.7%	1.2%	2.0%	1.5%	−0.6 pts
Debt / equity	0.1×	0.1×	0.1×	0.1×	0.1×	0.1×	+67.3%
Debt / assets	0.3%	0.4%	0.4%	0.3%	0.2%	0.4%	+0.1 pts
Interest coverage	33.9×	28.7×	39.8×	25.5×	43.6×	22.5×	−48.3%
Current ratio	6.7×	4.0×	3.6×	2.4×	2.2×	2.9×	+31.5%
Quick ratio	6.7×	4.0×	3.6×	2.4×	2.2×	2.9×	+31.5%
Cash ratio	3.5×	3.6×	1.9×	1.2×	0.5×	0.6×	+25.3%
Asset turnover	0.3×	0.3×	0.3×	0.3×	0.3×	0.3×	−9.8%
Dividend payout	84.1%	99.5%	88.6%	72.7%	51.0%	64.5%	+13.5 pts