EFU Life Assurance Limited EFUL
Rs 112.00
Vol6,692Updated15:492 Nov 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 15.00 per share in cash dividends over the trailing 12 months — a 13.4% yield at the last close. Its most recent payout was Rs 1.50/share, announced 27 Oct 2026 with book closure from 04 Nov 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 |
|---|---|---|---|---|
| 27 Oct 2026 | — | Cash | Rs 1.50(15%) | 04 Nov 2026 – 04 Nov 2026 |
| 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 11.76B as of 02 Nov 2026 — down 27.8% over the past 12 months (from Rs 16.28B).
Financial Statements
How EFUL's income and balance sheet have evolved
| PKR Millions | Sep-26 | Jun-26 | Mar-26 | Dec-25 | Sep-25 | Jun-25 | Mar-25 | Dec-24 | Trend |
|---|---|---|---|---|---|---|---|---|---|
| Net Sales / Revenue | 15,041.68 | 15,154.61 | — | — | — | — | — | — | |
| Administrative Expenses | 997.79 | 1,790.96 | — | — | — | — | — | — | |
| Operating Profit | 601.41 | 1,217.95 | — | — | — | — | — | — | |
| Other Income | 41.83 | 65.86 | 34 | 26 | 22 | 30 | 31 | 41 | |
| Financial Charges | 35.98 | 35.79 | — | — | — | — | — | — | |
| Profit Before Tax | 600.71 | 1,226.88 | 657 | 1,033 | 992 | 999 | 964 | 1,512 | |
| Taxation | 239.84 | 332.26 | — | — | — | — | — | — | |
| Profit After Tax | 360.88 | 894.62 | 395 | 627 | 599 | 575 | 642 | 917 | |
| EPS - Basic (Rs) | Rs 3.44 | Rs 8.52 | Rs 3.76 | Rs 5.97 | Rs 5.70 | Rs 5.48 | Rs 6.11 | Rs 8.46 |
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 · Sep-26
| Ratio | Value |
|---|---|
| Net profit margin | 2.4% |
| EBIT margin | 4.0% |
Net profit margin
Net profit ÷ revenue · %
Financial Health
Coverage, leverage, and the strength of the balance sheet
Latest · Sep-26
| Ratio | Value |
|---|---|
| Asset turnover | 0.05x |
| Effective tax rate | 39.9% |
Asset turnover
Revenue ÷ total assets · times
Market cap trajectory
Close × current shares outstanding · current Rs 11.76B
Valuation & Capital Returns
What the market is paying for EFUL, and what it returns to shareholders
Latest · Sep-26
| Ratio | Value |
|---|---|
| Price to earnings | 47.68x |
| Price to book | 1.66x |
| Price to sales | 1.14x |
Price to earnings
Period-end price ÷ EPS · times
Technical Analysis
Trading signal, moving averages, momentum, and key levels
10-day SMA (Rs 114.16) is below the 30-day SMA (Rs 125.69). RSI at 33 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 114.16 | +1.93% | Below |
| SMA 30 | Rs 125.69 | +12.23% | Below |
| SMA 60 | Rs 143.38 | +28.02% | Below |
| SMA 200 | Rs 151.83 | +35.57% | Below |
At 33, momentum sits within the neutral band (30–70), suggesting balanced buying and selling pressure.
- MACD-7.25
- Signal-8.84
- Histogram+1.58
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 02 Nov 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 Sep 2026PDF
- 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
Sourced from official PSX financial-report submissions.
Recent Announcements
Latest company filings as reported on PSX
Filings and disclosures from the PSX announcement feed
- 02 Nov 2026Dividend
- 30 Oct 2026Report
- 27 Oct 2026Financial Results
- 19 Oct 2026Board Meeting
- 13 Oct 2026Dividend
- 12 Oct 2026Material Information
- 12 Oct 2026Dividend
- 12 Oct 2026Dividend
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 → | 4.8x | 5.9x |
| Dividend YieldTrailing-12-month cash dividends ÷ share price. A high yield can signal income — or a falling price.Read the full guide → | 13.4% | 8.0% |
| 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 | -29.4% | -9.1% |
| Market CapitalisationShare price × total shares — the company's full market value, and the basis for index weightings.Read the full guide → | Rs 11.76B | Rs 3.29B |
Insurance · sector heat
Why Choose BSL as Your PSX Broker?
Bhayani Securities is an SECP-licensed stock broker in Pakistan and PSX TREC holder with over two decades in the market. Investors get live prices, research and support in one account.
- Retail Trading
Open a PSX trading account with secure market access and research support.
- Online Trading
Trade on the BSL app with real-time PSX data and portfolio monitoring.
- Margin Financing
Borrow to trade larger positions and increase your buying power.
- Research Reports
Market insights, stock analysis and investing guides from BSL.
- Institutional Services
Research-driven execution, market insights and corporate access for institutions.
- High Net Worth Services
A dedicated senior dealer and preferential rates for portfolios above PKR 2.5 million.
- Trading APIs
Full PSX data, live level-2 market data and sandbox order execution through BSL.
- Roshan Digital Account
Invest in the PSX remotely as an overseas Pakistani.
- Sahulat Account
Start investing with minimal documentation and a fast setup.
- Minor Accounts
Invest for your children and build long-term wealth early.
Frequently Asked Questions
The most common questions investors ask about EFUL
EFUL last traded at Rs 112.00, down 1.75% on the day, within a 52-week range of Rs 107.01–185.50. 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 15.00 per share in cash dividends over the trailing 12 months — a 13.4% yield at the last close. Review the payout history in the Dividends section and compare with the highest dividend yield stocks on PSX.
EFUL has announced a payout of Rs 1.50 per share with book closure starting 04 Nov 2026 — you must own the shares before that date to qualify. Track every announcement 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 4.8x earnings against a Insurance median of 5.9x, with a 13.4% dividend yield versus 8.0%. 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.
Open a BSL trading account, fund it, and place your EFUL order on the Pakistan Stock Exchange — account opening takes minutes online, with PSX execution, research, and concierge support included.
Quotes and metrics refresh on a regular cadence through the trading day and after the close. For streaming real-time PSX prices and order placement, log in to your BSL account.
Ready to invest in EFUL?
Open a BSL trading account in under 10 minutes
Buy and sell EFUL and every other PSX-listed stock with low commissions, real-time data, and a concierge research desk backing every trade.