EFUL share price
EFU Life Assurance Limited
−1.28 (−1.10%) today
Market closed, last update Oct 7, 2026 5:57 PM- Market cap
- Rs 12.0bn
- P/E (trailing)
- 4.8
- Dividend yield
- 9.6%
- 1-year change
- +1.1%
- EPS (last full year)
- Rs 23.26
- Avg. daily volume (30d)
- 14k shares
Last session's range7 Oct 2026
114.0023% up the range117.00
52-week range
97.7548% up the range133.24
Price limits (circuit breakers)
104.3844% up the range127.58
danioPSX score
How the score works- Value85
- Quality49
- Dividend91
- Momentum62
- Safety65
EFUL ranks better than 93% of the 268 liquid PSX stocks we score. Each factor is a 0-100 rank (value is ranked half within insurance). Education only, not a buy or sell signal.
EFUL chart
+10.1% over 6M(KSE-100 +8.4%)
Daily bars from PSX's end-of-day market summary. Prices before a bonus issue, right issue or split are adjusted so the chart stays continuous; cash dividends are not taken out.
Full-screen EFUL chart with levelsDownload EFUL price history (CSV)Compare EFUL with IGIIL
EFUL technical summary
From daily closes to 2026-10-07. A description of the trend, not a forecast.
Trend reading
Mixed
Down2 up · 3 down signalsUp
- Beta (1 year)
- 0.41
- Volatility (yearly)
- 32%
- Worst fall, 1 year
- -23.5%
- Relative strength rank
- 63 / 99
- 20-day averageBelow by 1.2%
- 50-day averageBelow by 0.7%
- 200-day averageAbove by 1.6%
- RSI (14 days)46: sellers in control
- vs KSE-100 (3 months)Ahead by 9.9 points
- 52-week range48% of the way from low to high
- Trading activity1.3× its 3-month average
| S2 | S1 | Pivot | R1 | R2 |
|---|---|---|---|---|
| 112.23 | 113.47 | 115.23 | 116.47 | 118.23 |
- 1 week
- −2.6%
- 1 month
- −0.2%
- 3 months
- +2.7%
- 6 months
- +9.6%
- YTD
- +0.4%
- 1 year
- +1.1%
EFUL results, payouts and dates
Market calendar| Announced | Period | Payout | Profit after tax | EPS (Rs) | Books close |
|---|---|---|---|---|---|
| 21 Aug 17:01 | – to – | Right shares 42.857% | – | – | – |
| 21 Aug 16:59 | Half year to 30 Jun | Second interim cash dividend 15% | Rs 1,289.4m | 12.28 | 1 Sept – 1 Sept |
| 17 Jun 15:53 | – to – | None | – | – | 2 Jul – 9 Jul |
| 24 Apr 09:45 | 1st quarter to 31 Mar | First interim cash dividend 15% | Rs 394.8m | 3.76 | 5 May – 5 May |
| Measure | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Profit growth | −18.3% | +44.7% | +22.0% | – |
| EPS growth | −19.2% | +39.5% | +22.0% | – |
| Measure | Q2 2026 | Q1 2026 | Q3 2025 | Q2 2025 |
|---|---|---|---|---|
| Profit growth | +55.5% | – | – | – |
| EPS growth | +55.5% | – | – | – |
EFUL fundamentals
Compare companies- EPS (FY2025)
- Rs 23.26
- EPS growth
- −19.2%
- from Rs 28.79
- Net margin
- 4.6%
- Profit kept from each Rs 100 of sales
- P/E on last year's EPS
- 4.9
- Earnings yield 20.3%
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Profit after tax | Rs 2.4bn | Rs 3.0bn | Rs 2.1bn | Rs 1.7bn |
| Earnings per share (Rs) | 23.26 | 28.79 | 20.64 | 16.92 |
| Line item | Q2 2026 | Q1 2026 | Q3 2025 | Q2 2025 |
|---|---|---|---|---|
| Profit after tax | Rs 895m | Rs 395m | Rs 599m | Rs 575m |
| Earnings per share (Rs) | 8.52 | 3.76 | 5.70 | 5.48 |
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Net margin | 4.6% | 7.6% | 5.7% | 4.4% |
| EPS growth | -19.2% | 39.5% | 22.0% | 12.2% |
| PEG | -0.36 | 0.15 | 0.43 | 0.99 |
Rupee amounts from PSX filings (thousands converted to Rs m/bn). Data by Capital Stake via the PSX Data Portal; standardised, so it can differ from the annual report. Latest quarter (Q2 2026) EPS rose 55.5% from the same quarter a year earlier.
EFUL valuation vs the insurance sector
| Measure | EFUL | Sector median | Reading |
|---|---|---|---|
| P/E | 4.8 | 6.4 | Cheaper than peers |
| Dividend yield | 9.6% | 7.3% | Above peers |
| Net margin | 4.6% | 20.4% | Below peers |
| EPS growth | −19.2% | +6.9% | Below peers |
| 1-year return | +1.1% | −2.3% | Above peers |
Sector P/E check. At the sector's median P/E of 6.4, last year's EPS of Rs 23.26 would price EFUL at about Rs 149.96 (+31% from today). A rough yardstick only: sectors hold very different businesses, and the market prices future profits, not last year's.
Estimate a fair value for EFUL (Graham, Lynch, DCF)EFUL pivot levels
Ratio history
Ratios as published on the PSX Data Portal (standardised by Capital Stake), latest financial year on the right.
EFUL dividends and bonus shares
Compare dividend stocks- PSX lists a trailing dividend yield of 9.6%.
- Cash payouts, last 12 months
- 2
- Announced per share, 12 months
- Rs 3.00
- Yield on those payouts
- 2.6%
- Next book closure
- None announced
Work out your EFUL dividend income after tax
| Announced | Period to | Payout | Cash per share | Books closed |
|---|---|---|---|---|
| 21 Aug 2026 | – | Right shares 42.857% | – | – |
| 21 Aug 2026 | 30 Jun 2026 | Second interim cash dividend 15% | Rs 1.50 | 1 Sept 2026 |
| 24 Apr 2026 | 31 Mar 2026 | First interim cash dividend 15% | Rs 1.50 | 5 May 2026 |
Dividend and book-closure notices filed with PSX
- 6 Oct 2026Credit of Unpaid Right Shares into CDS in Book-Entry Form, Payment Procedure and Payment Schedule - Right Issue of EFU Life Assurance LimitedPDF of Credit of Unpaid Right Shares into CDS in Book-Entry Form, Payment Procedure and Payment Schedule - Right Issue of EFU Life Assurance Limited (opens PSX)
- 1 Oct 2026EFUL | EFU Life Assurance Limited Right Issue 42.86% at Par Value Rs.10/- Per Ordinary SharesPDF of EFUL | EFU Life Assurance Limited Right Issue 42.86% at Par Value Rs.10/- Per Ordinary Shares (opens PSX)
PSX quotes payouts as a percentage of face value; cash per share assumes the usual Rs 10 face value. You get the dividend if you own the shares before the books close.
EFUL announcements and corporate events
All companies- 6 Oct 2026OtherCredit of Unpaid Rights into CDS - EFULPDF of Credit of Unpaid Rights into CDS - EFUL (opens PSX)
- 6 Oct 2026Dividend / bonusCredit of Unpaid Right Shares into CDS in Book-Entry Form, Payment Procedure and Payment Schedule - Right Issue of EFU Life Assurance LimitedPDF of Credit of Unpaid Right Shares into CDS in Book-Entry Form, Payment Procedure and Payment Schedule - Right Issue of EFU Life Assurance Limited (opens PSX)
- 6 Oct 2026OtherNotice of Declaration of Letter of Rights of EFU Life Assurance Ltd. as CDS Eligible SecurityPDF of Notice of Declaration of Letter of Rights of EFU Life Assurance Ltd. as CDS Eligible Security (opens PSX)
- 5 Oct 2026OtherEFUL | EFU Life Assurance Limited -NCCPL NoticePDF of EFUL | EFU Life Assurance Limited -NCCPL Notice (opens PSX)
- 1 Oct 2026Dividend / bonusEFUL | EFU Life Assurance Limited Right Issue 42.86% at Par Value Rs.10/- Per Ordinary SharesPDF of EFUL | EFU Life Assurance Limited Right Issue 42.86% at Par Value Rs.10/- Per Ordinary Shares (opens PSX)
- 28 Aug 2026Annual / quarterly reportTransmission of Quarterly Report for the Period Ended June 30, 2026PDF of Transmission of Quarterly Report for the Period Ended June 30, 2026 (opens PSX)
- 21 Aug 2026Financial resultsFinancial Results for the Quarter Ended 30 June 2026PDF of Financial Results for the Quarter Ended 30 June 2026 (opens PSX)
- 13 Aug 2026Board meetingEFU Life Assurance Limited - Board of Directors Meeting - 2nd Quarter 2026PDF of EFU Life Assurance Limited - Board of Directors Meeting - 2nd Quarter 2026 (opens PSX)
- 9 Jul 2026General meetingCertified Copy of Resolution Passed in Extraordinary General Meeting of EFU Life Assurance Ltd.PDF of Certified Copy of Resolution Passed in Extraordinary General Meeting of EFU Life Assurance Ltd. (opens PSX)
- 3 Jul 2026Board meetingBoard Meeting Other Than Financial ResultsPDF of Board Meeting Other Than Financial Results (opens PSX)
- 22 Jun 2026Board meetingBoard Meeting Other Than Financial ResultsPDF of Board Meeting Other Than Financial Results (opens PSX)
- 17 Jun 2026General meetingNotice of Extraordinary General Meeting - July 2026PDF of Notice of Extraordinary General Meeting - July 2026 (opens PSX)
- 30 Apr 2026Annual / quarterly reportTransmission of Quarterly Report for the Period Ended March 31, 2026PDF of Transmission of Quarterly Report for the Period Ended March 31, 2026 (opens PSX)
- 23 Apr 2026Financial resultsFinancial Result for the Quarter Ended 31 March 2026PDF of Financial Result for the Quarter Ended 31 March 2026 (opens PSX)
- 9 Mar 2026Annual / quarterly reportTransmission of Annual Report for the Year Ended 31 December 2025PDF of Transmission of Annual Report for the Year Ended 31 December 2025 (opens PSX)
EFUL annual and quarterly reports
- 28 Aug 2026Transmission of Quarterly Report for the Period Ended June 30, 2026PDF of Transmission of Quarterly Report for the Period Ended June 30, 2026 (opens PSX)
- 30 Apr 2026Transmission of Quarterly Report for the Period Ended March 31, 2026PDF of Transmission of Quarterly Report for the Period Ended March 31, 2026 (opens PSX)
- 9 Mar 2026Transmission of Annual Report for the Year Ended 31 December 2025PDF of Transmission of Annual Report for the Year Ended 31 December 2025 (opens PSX)
EFUL vs other insurance companies
Sector pageMarket value
9th of 39
Rs 12.0bn
P/E (cheapest first)
10th of 25
4.8
Dividend yield
3rd of 12
9.6%
1-year return
11th of 29
1.1%
EPS growth
21st of 25
-19.2%
Net margin
18th of 23
4.6%
danioPSX score
1st of 10
93/100
| IGIILIGI Insurance Limited | Rs 37.9bn | +1.94% | – | – | – | – |
| IGIHLIGI Holdings Limited | Rs 36.5bn | −0.20% | 22.1 | 3.0% | −7.0% | 67 |
| AICLAdamjee Insurance Company Limited | Rs 33.2bn | +0.06% | 6.5 | 6.2% | +8.8% | 89 |
| EFUGEFU General Insurance Limited | Rs 24.6bn | 0.00% | 4.4 | 8.0% | +0.9% | – |
| EWICEast West Insurance Company Limited | Rs 18.3bn | 0.00% | 8.9 | – | +13.8% | – |
| JLICLJubilee Life Insurance Company Limited | Rs 15.8bn | +0.79% | 4.8 | 7.4% | −10.0% | – |
| JGICLJubilee General Insurance Company Ltd. | Rs 15.3bn | −0.72% | 3.9 | 7.3% | −7.5% | – |
| PAKRIPakistan Reinsurance Company Limited | Rs 13.9bn | −0.45% | 4.1 | 6.0% | −1.7% | 85 |
| EFULThis stock · EFU Life Assurance Limited | Rs 12.0bn | −1.10% | 4.8 | 9.6% | +1.1% | 93 |
| ATILAtlas Insurance Limited | Rs 11.3bn | +1.08% | 4.7 | 14.7% | −19.6% | – |
| TPLITPL Insurance Limited | Rs 10.5bn | −3.78% | 58.1 | – | +204.7% | – |
| ALIFEAdamjee Life Assurance Company Limited | Rs 8.0bn | +3.22% | 7.3 | 7.4% | −15.4% | – |
| UNICThe United Insurance Company | Rs 5.5bn | +1.66% | 3.3 | – | −18.9% | – |
| EFULREFU Life Assurance Limited Right | Rs 4.4bn | −2.86% | – | – | −2.9% | – |
| TPLLTPL Life Insurance Limited | Rs 4.3bn | +1.43% | – | – | −48.8% | 1 |
Swipe the table sideways for more columns.
EFUL insider trades
No director or substantial-shareholder trades in EFUL read from PSX notices yet.
Read automatically (OCR) from the disclosure images companies file with PSX under Regulation 5.6.1(d). A digit can be misread, so check the original notice before relying on a figure. Value = shares × price. Not investment advice. All PSX insider trades
About EFU Life Assurance Limited
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.
Key people
- Mohammed Ali Ahmed CEO
- Rafique R Bhimjee Chairperson
- Hassan Jivani Company Secretary
Where the price sits in its 52-week range
Low 114.500% of the way upHigh 185.50
- Shares issued
- 105.0m
- Free float
- 10.0% (10.5m shares)
- 52-week range
- Rs 114.50 – 185.50
- Today's price limits
- Rs 104.38 – 127.58
- Auditor
- KPMG Taseer Hadi & Co, Chartered Accountants
- Share registrar
- CDC Share Registrar Services limited - 99-B, Block B, S.M.C.H.S Main Shahra-e-Faisal, Karachi 74,400
- Head office
- Kamran Center, 4th Floor, Plot No. 85 East, Jinnah Avenue, Blue Area, Islamabad.
Data: PSX Data Portal (Oct 7, 2026 5:57 PM); company data refreshed 7 Oct; daily bars from PSX market summaries; five-year record from danioPSX research. Logos are trademarks of their owners. Not a recommendation to buy or sell EFUL. Official PSX page for EFUL