EFU Life Assurance Limited EFUL
Rs 108.11
Vol2,738Updated15:4912 Oct 2026
At a Glance
The headline take on EFUL — valuation, income, returns, and efficiency
Consolidated snapshot
Price & Performance
Closing prices across timeframes, returns, and range context
EFUL — 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
EFUL has paid Rs 13.50 per share in cash dividends over the trailing 12 months — a 12.3% 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 2017 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 | — | Rights | 42.857% | — |
| 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 |
| 26 Feb 2026 | 31 Dec 2025 (YR) | Cash | Rs 10.50(105%) | 19 Mar 2026 – 30 Mar 2026 |
| 28 Oct 2025 | 30 Sep 2025 (IIIQ) | Other | 15% | 05 Nov 2025 – 05 Nov 2025 |
| 26 Aug 2025 | 30 Jun 2025 (HYR) | Cash | Rs 1.50(15%) | 03 Sep 2025 – 03 Sep 2025 |
| 25 Apr 2025 | 31 Mar 2025 (IQ) | Cash | Rs 1.50(15%) | 06 May 2025 – 06 May 2025 |
| 25 Feb 2025 | 31 Dec 2024 (YR) | Cash | Rs 10.50(105%) | 19 Mar 2025 – 25 Mar 2025 |
Financials & Earnings
Income, balance sheet, and key ratios from published accounts
EFUL's market capitalisation stands at Rs 11.50B as of 09 Oct 2026 — down 30.7% over the past 12 months (from Rs 16.59B).
Financial Statements
How EFUL'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 | 34 | 26 | 22 | 30 | 31 | 41 | 63 | 71 | |
| Profit Before Tax | 657 | 1,033 | 992 | 999 | 964 | 1,512 | 861 | 1,315 | |
| Profit After Tax | 395 | 627 | 599 | 575 | 642 | 917 | 519 | 775 | |
| EPS - Basic (Rs) | Rs 3.76 | Rs 5.97 | Rs 5.70 | Rs 5.48 | Rs 6.11 | Rs 8.46 | Rs 5.24 | Rs 7.56 |
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 | 4.2% |
| Return on assets | 0.1% |
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 | — |
Effective tax rate
Taxation ÷ profit before tax · %
Market cap trajectory
Close × current shares outstanding · current Rs 11.50B
Valuation & Capital Returns
What the market is paying for EFUL, and what it returns to shareholders
Latest · Mar-26
| Ratio | Value |
|---|---|
| Price to earnings | 36.86x |
| Price to book | 1.55x |
Price to earnings
Period-end price ÷ EPS · times
Technical Analysis
Trading signal, moving averages, momentum, and key levels
10-day SMA (Rs 132.42) is below the 30-day SMA (Rs 149.59). RSI at 19 is in oversold territory.
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 132.42 | +22.49% | Below |
| SMA 30 | Rs 149.59 | +38.37% | Below |
| SMA 60 | Rs 154.29 | +42.72% | Below |
| SMA 200 | Rs 155.60 | +43.93% | Below |
At 19, momentum is compressed — below 30 may signal a reversal.
- MACD-12.14
- Signal-7.09
- Histogram-5.05
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 EFUL 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 Life Assurance Limited was incorporated in Pakistan on 09 August 1992 as a public limited Company under the repealed Companies Ordinance, 1984 (now Comapnies Act, 2017)and started its operation from 18 November 1992. It is engaged in life insurance business including ordinary life business, pension fund business and accident and health business. It is a subsidiary of EFU General Insurance Ltd.
Corporate Information
- RegistrarCDC Share Registrar Services limited - 99-B, Block B, S.M.C.H.S Main Shahra-e-Faisal, Karachi 74,400
- AuditorKPMG Taseer Hadi & Co, Chartered Accountants
- Websitewww.efulife.com
- AddressKamran Center, 4th Floor, Plot No. 85 East, Jinnah Avenue, Blue Area, Islamabad.
- SectorInsurance
Key People
| Name | Role |
|---|---|
MAMohammed Ali Ahmed | CEO |
RRRafique R Bhimjee | Chairperson |
HJHassan Jivani | 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
- 12 Oct 2026Material Information
- 12 Oct 2026Dividend
- 12 Oct 2026Dividend
- 08 Oct 2026Other
- 08 Oct 2026Dividend
- 06 Oct 2026Dividend
- 06 Oct 2026Dividend
- 06 Oct 2026Other
Peers in Insurance
How the cohort is moving — same-sector stocks by market cap
EFUL vs Insurance sector median
| Metric | EFUL | 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 → | 4.7x | 6.0x |
| Dividend YieldTrailing-12-month cash dividends ÷ share price. A high yield can signal income — or a falling price.Read the full guide → | 12.3% | 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 | -29.8% | -10.6% |
| Market CapitalisationShare price × total shares — the company's full market value, and the basis for index weightings.Read the full guide → | Rs 11.50B | Rs 3.82B |
Insurance · sector heat
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Frequently Asked Questions
The most common questions investors ask about EFUL
EFUL last traded at Rs 108.11, down 1.30% on the day, within a 52-week range of Rs 109.50–185.50. Prices on this page refresh every 15 minutes during market hours; log in to BSL for live quotes.
EFU Life Assurance Limited was incorporated in Pakistan on 09 August 1992 as a public limited Company under the repealed Companies Ordinance, 1984 (now Comapnies Act, 2017)and started its operation from 18 November 1992. See About the Company on this page for the full profile, management, and corporate information.
EFUL has paid Rs 13.50 per share in cash dividends over the trailing 12 months — a 12.3% 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 — EFUL is not currently a KSE-100 constituent. See the full KSE-100 index constituents and weights. EFUL is not currently on the PSX Shariah-compliant list.
EFUL trades at 4.7x earnings against a Insurance median of 6.0x, with a 12.3% 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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