Stock EFUG EFU GENERAL INSURANCE LIMITED
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Financials EFU General Insurance Limited

Equities

EFUG

PK0000201019

Property & Casualty Insurance

End-of-day quote Pakistan S.E.
Other stock markets
 06:00:00 2024-04-28 pm EDT 		5-day change 1st Jan Change
84 PKR -0.24% Intraday chart for EFU General Insurance Limited -0.19% -1.18%
Mar. 07 EFU General Insurance Limited Reports Earnings Results for the Full Year Ended December 31, 2023 CI
2023 EFU General Insurance Limited Reports Earnings Results for the Third Quarter and Nine Months Ended September 30, 2023 CI

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 20,000 22,060 24,000 21,000 18,500 17,000
Enterprise Value (EV) 1 13,893 15,158 17,883 15,944 13,087 10,385
P/E ratio 7.09 x 8.66 x 9.91 x 7.56 x 43.9 x 5.19 x
Yield 10% 9.07% 8.33% 9.52% 10.8% 11.8%
Capitalization / Revenue 0.71 x 0.47 x 0.38 x 0.38 x 0.28 x 0.19 x
EV / Revenue 0.5 x 0.32 x 0.28 x 0.29 x 0.2 x 0.11 x
EV / EBITDA 2.7 x 2.72 x 3.13 x 2.67 x 2.46 x 1.13 x
EV / FCF -0.29 x -3.75 x -1 x -2.62 x -2.09 x -0.43 x
FCF Yield -346% -26.7% -99.9% -38.1% -47.8% -234%
Price to Book 0.96 x 1.07 x 1.09 x 0.96 x 0.95 x 0.8 x
Nbr of stocks (in thousands) 200,000 200,000 200,000 200,000 200,000 200,000
Reference price 2 100.0 110.3 120.0 105.0 92.50 85.00
Announcement Date 3/29/19 3/4/20 3/8/21 3/10/22 3/16/23 3/7/24
1PKR in Million2PKR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 27,975 47,302 62,888 55,159 64,944 90,910
EBITDA 1 5,150 5,581 5,709 5,963 5,318 9,227
EBIT 1 4,541 4,818 4,929 5,128 4,151 7,945
Operating Margin 16.23% 10.19% 7.84% 9.3% 6.39% 8.74%
Earnings before Tax (EBT) 1 4,778 5,360 5,153 5,324 2,725 8,275
Net income 1 2,819 2,547 2,422 2,780 421.5 3,274
Net margin 10.08% 5.39% 3.85% 5.04% 0.65% 3.6%
EPS 2 14.09 12.74 12.11 13.90 2.107 16.37
Free Cash Flow 1 -48,044 -4,043 -17,861 -6,081 -6,257 -24,334
FCF margin -171.74% -8.55% -28.4% -11.03% -9.63% -26.77%
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 10.00 10.00 10.00 10.00 10.00 10.00
Announcement Date 3/29/19 3/4/20 3/8/21 3/10/22 3/16/23 3/7/24
1PKR in Million2PKR
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 - - - - - -
Net Cash position 1 6,107 6,902 6,117 5,056 5,413 6,615
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow 1 -48,044 -4,043 -17,861 -6,081 -6,257 -24,334
ROE (net income / shareholders' equity) 15.6% 13.5% 13.2% 13.8% 4.55% 16.9%
ROA (Net income/ Total Assets) 2.78% 1.81% 1.64% 1.56% 1.16% 1.94%
Assets 1 101,585 140,986 147,383 178,374 36,252 168,384
Book Value Per Share 2 104.0 103.0 110.0 109.0 97.00 107.0
Cash Flow per Share 2 30.50 35.10 33.60 29.20 31.00 37.00
Capex 1 898 988 590 782 708 1,395
Capex / Sales 3.21% 2.09% 0.94% 1.42% 1.09% 1.54%
Announcement Date 3/29/19 3/4/20 3/8/21 3/10/22 3/16/23 3/7/24
1PKR in Million2PKR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Sector Property Insurance

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Property Insurance
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