Financials / InsuranceUpdated 2026-05-10 22:07 UTC

PSX/EFUL stock hub

PSX/EFUL has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

15.3B

Pakistan Stock Exchange

Market data

Live price

Current market quote for this ticker.

Current price

PSX/EFUL

In the news

Latest news · PSX/EFUL

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/En/a

P25 5.8P50 6.5P75 7.2

Trailing P/E7

P25 5.4P50 6.5P75 9.8

ROE24.3

P25 6.2P50 14.9P75 20

ROIC20.8

P25 3.1P50 9.5P75 15.3

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All PSX/EFUL market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

210

Groups with data

Currency

PKR

Showing 210 of 210 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Country	Pakistan
Country code	PK
Employees	2,348
Employees Change	-21%
Employees Change Percent	-0.89
Enterprise value	PKR 12.1B
Exchange	Pakistan Stock Exchange
Financial currency	PKR
First seen	2026-05-10
Industry	Insurance
Isin	PK0070301012
Last refreshed	2026-05-10
Market cap	PKR 15.3B
Price	PKR 146
Price currency	PKR
Rev Per Employee	38,729,989.35x
Sector	Financials
Sic	6300
Symbol	psx/EFUL
Website	https://www.efulife.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	14.37%
EV Earnings	5.49x
EV/EBIT	3.19x
EV/EBITDA	2.65x
EV/FCF	-0.79x
EV/Sales	0.13x
FCF yield	-99.33%
P/B ratio	1.63x
P/E ratio	6.98x
P/S ratio	0.17x
PE Ratio10 Y	11.62x
PE Ratio3 Y	7.49x
PE Ratio5 Y	9.59x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT Margin	4.17%
EBITDA Margin	4.82%
Gross margin	9.59%
Gross Profit	PKR 8.7B
Net Income	PKR 2.2B
Net Income Growth	-22.9%
Net Income Growth Q	-38.47%
Net Income Growth3 Y	8.21%
Net Income Growth5 Y	3.73%
Pretax Margin	4.05%
Profit Margin	2.42%
Profit Per Employee	PKR 936,126
ROA	0.86
Roa5y	1.06
ROCE	1.33
ROE	24.31
Roe5y	28.96
ROIC	20.76
Roic5y	26.09

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	3.2%
Cagr15y	16.38%
Cagr1y	16.87%
Cagr20y	12.13%
Cagr3y	1.51%
Cagr5y	3.61%
Div CAGR10	4.14%
Div CAGR3	0%
Div CAGR5	0%
EPS Growth	-23.13
EPS Growth Q	-38.46
EPS Growth3 Y	6.37
EPS Growth5 Y	2.65
Revenue Growth	-9.51x
Revenue Growth Q	-62.85x
Revenue Growth3 Y	18.75x
Revenue Growth5 Y	10.79x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Asset Turnover	PKR 0.33
Assets	PKR 288.1B
Cash	PKR 4.4B
Debt	PKR 1.1B
Debt EBITDA	PKR 0.25
Debt Equity	PKR 0.12
Debt FCF	PKR -0.07
Equity	PKR 9.4B
Interest Coverage	24.01
Liabilities	PKR 278.7B
Net Cash	PKR 3.2B
Net Cash By Market Cap	PKR 21.15
Net Cash Growth	-1.88%
Net Debt EBITDA	PKR -0.74
Net Debt Equity	PKR -0.34
Tangible Book Value	PKR 9.2B
Tangible Book Value Per Share	PKR 87.22
WACC	5.87

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	3.52
Net Working Capital	PKR 2.4B
Quick ratio	3.41
Working Capital	PKR 6.7B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	-0.3%
Dividend Growth	0%
Dividend Growth Years	0%
Dividend per share	PKR 15
Dividend Years	24
Dividend Yield	10.3%
Ex Div Date	2026-05-04
Last Dividend	PKR 1.5
Payout Frequency	Quarterly
Payout Ratio	71.66%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	37.04%
1Y total return	16.86%
200-day SMA	156.9
3Y total return	4.61%
50-day SMA	147.1
50-day SMA vs 200-day SMA	50under200
5Y total return	19.42%
All Time High	441
All Time High Change	-66.97%
All Time High Date	2008-03-28
All Time Low	0.36
All Time Low Change	39,869.81%
All Time Low Date	1998-06-01
ATR	4.93
Beta	0.26
Beta1y	0.28
Beta2y	0.35
Ch YTD	-8.4
High	147
High52	182
High52 Date	2026-01-26
High52ch	-19.97%
Low	146.9
Low52	129
Low52 Date	2025-05-09
Low52ch	12.91%
Ma50ch	-1.02%
Price vs 200-day SMA	-7.16%
RSI	49.64
RSI Monthly	42.61
RSI Weekly	40.08
Sharpe ratio	0.55x
Sortino ratio	1.02
Total Return	10%
Tr YTD	-0.5
Tr15y	873.26%
Tr1m	4.46%
Tr1w	0.12%
Tr3m	-9.62%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	PKR 3.8B
Operating margin	4.17

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	31,272,246%
Net Borrowing	-245,463,000
Shares Insiders	6.81%
Shares Institutions	19.33%
Shares Out	105,000,000
Shares Qo Q	-0%
Shares Yo Y	0.3%

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	PKR -15.2B
Average Volume	3,370.1x
Bv Per Share	89.37
CAPEX	PKR -832.5M
Ch10y	-38.02
Ch15y	231.7
Ch1m	3.36
Ch1w	0.12
Ch1y	5.54
Ch20y	183.7
Ch3m	-16.8
Ch3y	-21.27
Ch5y	-23.27
Ch6m	-5.11
Change	0%
Change From Open	-0.89
Close	145.7
Days Gap	0.9
Dollar Volume	21,993.2
Earnings Date	2026-04-23
EBIT	PKR 3.8B
EBITDA	PKR 4.4B
EPS	PKR 20.87
F Score	2
FCF	PKR -15.2B
FCF EV Yield	-125.98x
FCF Per Share	PKR -145
Financing CF	-1,820,463,000
Fiscal Year End	December
Founded	1,992
Graham Number	204.8536
Graham Upside	40.65
Income Tax	PKR 1.5B
Investing CF	18,420,567,000
Is Primary Listing	1
Last Earnings Date	2026-04-23
Last Report Date	2026-03-31
Last Split Date	2013-03-26
Last Split Type	Forward
Lynch Fair Value	PKR 104
Lynch Upside	-28.36
Ma150	156.5
Ma150ch	-6.94%
Ma20	145.6
Ma20ch	0.03%
Net CF	2,242,109,000
Next Earnings Date	2026-08-24
Open	147
Payment Date	2026-05-26
Position In Range	-6,450
Ppne	3,946,388,000
Price Date	2026-05-08
Price EBITDA	PKR 3.49
Ptbv Ratio	1.67
Relative Volume	0.04x
Revenue	90,938,015,000x
Tax By Revenue	1.64x
Tax Rate	40.36%
Tr20y	887.93%
Tr6m	3.07%
Volume	151

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

PSX/EFUL dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+10.3%

$15.0 annual per share

Payout ratio

+71.7%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

0.0%

0 consecutive years of growth

Total shareholder yield

+10.0%

Next ex-dividend date: 2026-05-04

Performance

PSX/EFUL stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns PSX/EFUL?

Insider, institutional, and short-interest positioning.

Institutional ownership

+19.3%

Share of float held by funds and institutions

Insider ownership

+6.8%

Stake held by company insiders. Higher generally signals alignment.

Short interest

n/a

Float sold short by bearish positioning

Y/Y dilution

+0.3%

Negative means the company is buying back shares.

Technical

PSX/EFUL momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

49.6

Neutral momentum band

Price vs 200-day MA

-7.2%

50/200-day relationship not available

Beta (5Y)

0.26

Less volatile than the market

Sharpe ratio

0.55

Risk-adjusted return — higher is better; >1.0 is solid.

Questions

About PSX/EFUL

Hub-level FAQ points readers to the deeper analysis pages.

What is the current psx/EFUL stock rating?

psx/EFUL is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full psx/EFUL analysis?

The full report lives at /stocks/psx/EFUL/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for psx/EFUL?

The latest report frames psx/EFUL around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the psx/EFUL page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.