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

PSX/EFUG stock hub

PSX/EFUG 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

24.6B

Pakistan Stock Exchange

Market data

Live price

Current market quote for this ticker.

Current price

PSX/EFUG

In the news

Latest news · PSX/EFUG

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/E4.4

P25 5.4P50 6.5P75 9.8

ROE20.9

P25 6.2P50 14.9P75 20

ROIC19.2

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/EFUG 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

206

Groups with data

Currency

PKR

Showing 206 of 206 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	966
Employees Change	-2,687%
Employees Change Percent	-73.56
Enterprise value	PKR 22B
Exchange	Pakistan Stock Exchange
Financial currency	PKR
First seen	2026-05-10
Industry	Insurance
Isin	PK0000201019
Last refreshed	2026-05-10
Market cap	PKR 24.6B
Price	PKR 123
Price currency	PKR
Rev Per Employee	115,120,904.76x
Sector	Financials
Sic	6331
Symbol	psx/EFUG
Website	https://efuinsurance.com

Valuation

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

Metric	Value
Earnings Yield	22.53%
EV Earnings	3.96x
EV/EBIT	1.94x
EV/EBITDA	1.72x
EV/FCF	-1.32x
EV/Sales	0.2x
FCF yield	-67.54%
P/B ratio	0.75x
P/E ratio	4.44x
P/S ratio	0.22x
PE Ratio10 Y	11.03x
PE Ratio3 Y	8.9x
PE Ratio5 Y	12.73x

Profitability

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

Metric	Value
EBIT Margin	10.19%
EBITDA Margin	11.46%
Gross margin	17.97%
Gross Profit	PKR 20B
Net Income	PKR 5.5B
Net Income Growth	42.88%
Net Income Growth Q	-8.57%
Net Income Growth3 Y	132.48%
Net Income Growth5 Y	15.7%
Pretax Margin	10.22%
Profit Margin	4.98%
Profit Per Employee	PKR 5.7M
ROA	2.02
Roa5y	1.68
ROCE	3.49
ROE	20.95
Roe5y	14.62
ROIC	19.18
Roic5y	14.46

Growth

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

Metric	Value
Cagr10y	9.26%
Cagr15y	22.05%
Cagr1y	12.86%
Cagr20y	12.96%
Cagr3y	24.27%
Cagr5y	12.03%
Div CAGR10	3.48%
Div CAGR3	0%
Div CAGR5	0%
EPS Growth	42.9
EPS Growth Q	-8.51
EPS Growth3 Y	132.5
EPS Growth5 Y	15.7
Revenue Growth	-6.06x
Revenue Growth Q	-50.7x
Revenue Growth3 Y	18.62x
Revenue Growth5 Y	11.29x

Financial strength

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

Metric	Value
Asset Turnover	PKR 0.32
Assets	PKR 364.6B
Cash	PKR 8.2B
Equity	PKR 32.6B
Interest Coverage	72.23
Liabilities	PKR 332B
Net Cash	PKR 8.2B
Net Cash By Market Cap	PKR 33.35
Net Cash Growth	46.87%
Net Debt EBITDA	PKR -0.64
Net Debt Equity	PKR -0.25
Tangible Book Value	PKR 24.6B
Tangible Book Value Per Share	PKR 123
WACC	4.66

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	0.96
Net Working Capital	PKR -9.8B
Quick ratio	0.5
Working Capital	PKR -1.6B

Dividends and buybacks

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

Metric	Value
Buyback Yield	0.01%
Dividend Growth	0%
Dividend Growth Years	0%
Dividend per share	PKR 10
Dividend Years	31
Dividend Yield	8.13%
Ex Div Date	2026-05-04
Last Dividend	PKR 1.5
Payout Frequency	Quarterly
Payout Ratio	39.83%

Performance and technicals

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

Metric	Value
10Y total return	142.41%
1Y total return	12.85%
200-day SMA	125
3Y total return	91.93%
50-day SMA	123.3
50-day SMA vs 200-day SMA	50under200
5Y total return	76.44%
All Time High	408.8
All Time High Change	-69.91%
All Time High Date	2008-04-24
All Time Low	1.53
All Time Low Change	7,923.48%
All Time Low Date	1999-02-22
ATR	7.49
Beta	0.07
Beta1y	0.2
Beta2y	-0.07
Ch YTD	1.57
High	128.9
High52	143
High52 Date	2025-07-15
High52ch	-13.99%
Low	122
Low52	103.4
Low52 Date	2025-05-09
Low52ch	18.92%
Ma50ch	-0.23%
Price vs 200-day SMA	-1.6%
RSI	48.76
RSI Monthly	56.09
RSI Weekly	47.85
Sharpe ratio	0.52x
Sortino ratio	0.97
Total Return	8.14%
Tr YTD	7.4
Tr15y	1,885.92%
Tr1m	2.06%
Tr1w	0.48%
Tr3m	0.05%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	PKR 11.3B
Operating margin	10.19

Ownership and float

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

Metric	Value
Float	59,847,271%
Net Borrowing	-309,495,000
Shares Insiders	33.89%
Shares Institutions	12.33%
Shares Out	200,000,000
Shares Qo Q	-0.06%
Shares Yo Y	-0.01%

Other indicators

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

Metric	Value
Adjusted FCF	PKR -16.6B
Average Volume	16,511.45x
Bv Per Share	135.3
CAPEX	PKR -1.4B
Ch10y	-5.01
Ch15y	524.2
Ch1m	0.82
Ch1w	0.48
Ch1y	4.2
Ch20y	217.4
Ch3m	-5.38
Ch3y	41.38
Ch5y	8.11
Ch6m	-2.16
Change	-0.81%
Change From Open	-4.58
Close	124
Days Gap	3.95
Dollar Volume	249,444
Earnings Date	2026-04-24
EBIT	PKR 11.3B
EBITDA	PKR 12.7B
EPS	PKR 27.72
F Score	2
FCF	PKR -16.6B
FCF EV Yield	-75.66x
FCF Per Share	PKR -83.07
Financing CF	-2,517,281,000
Fiscal Year End	December
Founded	1,932
Graham Number	290.50301
Graham Upside	136.2
Income Tax	PKR 4.8B
Investing CF	21,532,985,000
Is Primary Listing	1
Last Earnings Date	2026-04-24
Last Report Date	2026-03-31
Last Split Date	2016-03-25
Last Split Type	Forward
Lynch Fair Value	PKR 435
Lynch Upside	253.8
Ma150	124.8
Ma150ch	-1.43%
Ma20	124.4
Ma20ch	-1.12%
Net CF	3,779,624,000
Next Earnings Date	2026-08-24
Open	128.9
Payment Date	2026-05-26
Position In Range	14.49
Ppne	10,518,259,000
Price Date	2026-05-08
Price EBITDA	PKR 1.93
Ptbv Ratio	1
Relative Volume	0.12x
Revenue	111,206,794,000x
Tax By Revenue	4.29x
Tax Rate	41.94%
Tr20y	1,044.91%
Tr6m	3.46%
Volume	2,028

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/EFUG dividend yield, growth & safety

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

Dividend yield

+8.1%

$10.0 annual per share

Payout ratio

+39.8%

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

5Y dividend CAGR

0.0%

0 consecutive years of growth

Total shareholder yield

+8.1%

Next ex-dividend date: 2026-05-04

Performance

PSX/EFUG stock returns vs the market

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

Ownership

Who owns PSX/EFUG?

Insider, institutional, and short-interest positioning.

Institutional ownership

+12.3%

Share of float held by funds and institutions

Insider ownership

+33.9%

Stake held by company insiders. Higher generally signals alignment.

Short interest

n/a

Float sold short by bearish positioning

Y/Y dilution

-0.0%

Negative means the company is buying back shares.

Technical

PSX/EFUG momentum and risk profile

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

RSI (14)

48.8

Neutral momentum band

Price vs 200-day MA

-1.6%

50/200-day relationship not available

Beta (5Y)

0.07

Less volatile than the market

Sharpe ratio

0.52

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

Questions

About PSX/EFUG

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

What is the current psx/EFUG stock rating?

psx/EFUG 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/EFUG analysis?

The full report lives at /stocks/psx/EFUG/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/EFUG?

The latest report frames psx/EFUG 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/EFUG 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.