EFU General Insurance Limited EFUG
Rs 121.41
Vol100,481Updated15:4912 Oct 2026
At a Glance
The headline take on EFUG — valuation, income, returns, and efficiency
Consolidated snapshot
Price & Performance
Closing prices across timeframes, returns, and range context
EFUG — Price History
Daily closing series · toggle period below
Key Metrics
Valuation, profitability, structure, and risk in one grid
Dividend History & Yield
Payout track record, yield trend, and upcoming distribution
EFUG has paid Rs 10.00 per share in cash dividends over the trailing 12 months — a 8.2% yield at the last close. Its most recent payout was Rs 1.50/share, announced 21 Aug 2026 with book closure from 01 Sep 2026. Annual dividend-per-share history back to 2016 is charted below.
Latest Payout
Dividend Per Share Trend
Payout History
Source: PSX company payouts
| Announced | For Period | Type | Amount | Book Closure |
|---|---|---|---|---|
| 21 Aug 2026 | 30 Jun 2026 (HYR) | Cash | Rs 1.50(15%) | 01 Sep 2026 – 01 Sep 2026 |
| 24 Apr 2026 | 31 Mar 2026 (IQ) | Cash | Rs 1.50(15%) | 05 May 2026 – 05 May 2026 |
| 03 Mar 2026 | 31 Dec 2025 (YR) | Cash | Rs 5.50(55%) | 19 Mar 2026 – 30 Mar 2026 |
| 29 Oct 2025 | 30 Sep 2025 (IIIQ) | Cash | Rs 1.50(15%) | 06 Nov 2025 – 06 Nov 2025 |
| 27 Aug 2025 | 30 Jun 2025 (HYR) | Cash | Rs 1.50(15%) | 04 Sep 2025 – 04 Sep 2025 |
| 28 Apr 2025 | 31 Mar 2025 (IQ) | Cash | Rs 1.50(15%) | 06 May 2025 – 06 May 2025 |
| 26 Feb 2025 | 31 Dec 2024 (YR) | Cash | Rs 5.50(55%) | 19 Mar 2025 – 25 Mar 2025 |
Financials & Earnings
Income, balance sheet, and key ratios from published accounts
EFUG's market capitalisation stands at Rs 24.49B as of 09 Oct 2026 — up 0.4% over the past 12 months (from Rs 24.40B).
Financial Statements
How EFUG's income and balance sheet have evolved
| PKR Millions | Mar-26 | Dec-25 | Sep-25 | Jun-25 | Mar-25 | Dec-24 | Sep-24 | Jun-24 | Trend |
|---|---|---|---|---|---|---|---|---|---|
| Other Income | 77 | 121 | 89 | 99 | 97 | 109 | 168 | 156 | |
| Financial Charges | 3 | 280 | 4 | 4 | 5 | 215 | 5 | 0 | |
| Profit Before Tax | 1,771 | 2,674 | 2,771 | 1,675 | 1,554 | 989 | 1,027 | 1,931 | |
| Taxation | 706 | 1,030 | 1,087 | 648 | 610 | 372 | 409 | 756 | |
| Profit After Tax | 1,065 | 1,644 | 1,684 | 1,027 | 944 | 617 | 618 | 1,175 | |
| EPS - Basic (Rs) | Rs 5.32 | Rs 8.22 | Rs 8.42 | Rs 5.13 | Rs 4.72 | Rs 3.08 | Rs 3.09 | Rs 5.88 |
Showing 8 of 8 quarters · scroll horizontally to see more periods.
All figures in PKR millions from published accounts.
Profitability & Returns
Margins, returns on capital, and earnings per share
Latest · Mar-26
| Ratio | Value |
|---|---|
| Return on equity | 4.0% |
| Return on assets | 1.3% |
Return on equity
Net profit ÷ equity · %
Financial Health
Coverage, leverage, and the strength of the balance sheet
Latest · Mar-26
| Ratio | Value |
|---|---|
| Effective tax rate | 39.9% |
Effective tax rate
Taxation ÷ profit before tax · %
Market cap trajectory
Close × current shares outstanding · current Rs 24.49B
Valuation & Capital Returns
What the market is paying for EFUG, and what it returns to shareholders
Latest · Mar-26
| Ratio | Value |
|---|---|
| Price to earnings | 21.73x |
| Price to book | 0.86x |
Price to earnings
Period-end price ÷ EPS · times
Technical Analysis
Trading signal, moving averages, momentum, and key levels
10-day SMA (Rs 124.07) is below the 30-day SMA (Rs 126.60). RSI at 44 sits in the neutral band.
Moving AverageThe average close over a set window (10/30/200 days) — smooths daily noise to reveal the trend.Read the full guide →
| Period | Value | vs Current | Position |
|---|---|---|---|
| SMA 10 | Rs 124.07 | +2.19% | Below |
| SMA 30 | Rs 126.60 | +4.27% | Below |
| SMA 60 | Rs 125.30 | +3.20% | Below |
| SMA 200 | Rs 125.23 | +3.14% | Below |
At 44, momentum sits within the neutral band (30–70), suggesting balanced buying and selling pressure.
- MACD-1.02
- Signal-0.62
- Histogram-0.40
Leverage Insights
MTS, margin financing, futures open interest, and combined exposure
Leverage Composition
MTS · MFS stacked over the selected window
No blank sales
No net blank (short) sales reported for EFUG on the latest PSX DFC report.
Settlement Insights
UIN-wise settlement concentration and price context
Metrics and charts over the selected trailing window
Settlement % Trajectory
Solid = UIN settlement % · Dashed = 14-session EMA
As of 12 Oct 2026
Price vs Settlement
Close price (left axis) · UIN settlement % (right axis)
About the Company
Business description, governance, and corporate information
EFU General Insurance Limited was incorporated as a public limited company on 2 September 1932. The Company is engaged in non-life insurance business comprising of fire and property, marine, motor, miscellaneous etc.
Corporate Information
- RegistrarCDC Share Registrar Services Limited CDC House, 99-B, Block B S.M.C.H.S., Shahra-e-Faisal Karachi
- AuditorKPMG Taseer Hadi & Co, Chartered Accountants
- Websitewww.efuinsurance.com
- AddressKamran Centre, 1st Floor 85, East, Jinnah Avenue Blue Area Islamabad.
- SectorInsurance
- Financial Year EndDecember
Key People
| Name | Role |
|---|---|
KAKamran Arshad Inam | CEO |
SNSaifuddin N. Zoomkawala | Chairperson |
APAmin Punjani | Company Secretary |
Reports & Filings
- Quarterly Report — 30 Jun 2026PDF
- Quarterly Report — 31 Mar 2026PDF
- Quarterly Report — 30 Sep 2025PDF
- Quarterly Report — 30 Jun 2025PDF
- Quarterly Report — 31 Mar 2025PDF
- Annual Report FY2025PDF
- Quarterly Report — 30 Sep 2024PDF
- Quarterly Report — 30 Jun 2024PDF
Sourced from official PSX financial-report submissions.
Recent Announcements
Latest company filings as reported on PSX
Filings and disclosures from the PSX announcement feed
- 22 Sep 2026Insider Trading
- 17 Sep 2026Insider Trading
- 09 Sep 2026Dividend
- 28 Aug 2026Report
- 21 Aug 2026Financial Results
- 17 Aug 2026Insider Trading
- 13 Aug 2026Board Meeting
- 03 Aug 2026Insider Trading
Peers in Insurance
How the cohort is moving — same-sector stocks by market cap
EFUG vs Insurance sector median
| Metric | EFUG | Sector median |
|---|---|---|
| P/E RatioShare price ÷ earnings per share — the price you pay for each rupee of annual profit. Compare within a sector.Read the full guide → | 4.6x | 6.0x |
| Dividend YieldTrailing-12-month cash dividends ÷ share price. A high yield can signal income — or a falling price.Read the full guide → | 8.2% | 7.9% |
| Return on EquityNet profit ÷ shareholders' equity — how hard the company works each rupee investors have put in.Read the full guide → | — | 14.7% |
| 1-Year Return | -0.8% | -10.6% |
| Market CapitalisationShare price × total shares — the company's full market value, and the basis for index weightings.Read the full guide → | Rs 24.49B | Rs 3.82B |
Insurance · sector heat
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Frequently Asked Questions
The most common questions investors ask about EFUG
EFUG last traded at Rs 121.41, down 0.86% on the day, within a 52-week range of Rs 109.80–141.89. Prices on this page refresh every 15 minutes during market hours; log in to BSL for live quotes.
EFU General Insurance Limited was incorporated as a public limited company on 2 September 1932. See About the Company on this page for the full profile, management, and corporate information.
EFUG has paid Rs 10.00 per share in cash dividends over the trailing 12 months — a 8.2% yield at the last close. Review the payout history in the Dividends section and compare with the highest dividend yield stocks on PSX.
No upcoming payout is announced yet. The most recent was a payout of Rs 1.50 per share with book closure from 01 Sep 2026. New announcements appear on this page and on the PSX ex-dates calendar.
No — EFUG is not currently a KSE-100 constituent. See the full KSE-100 index constituents and weights. EFUG is not currently on the PSX Shariah-compliant list.
EFUG trades at 4.6x earnings against a Insurance median of 6.0x, with a 8.2% dividend yield versus 7.9%. The full comparison table and peer list are in the Peers section, or explore the Insurance sector page.
Annual reports for FY2025 are linked under Reports & Filings in the About section of this page, sourced from official PSX submissions.
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