Pakistan Stock Exchange (PSX) · Pakistan · Updated after 27 Oct 2026 close

EFU General Insurance Ltd

EFUG · Pakistan Stock Exchange (PSX) · prices in PKR

PKR 123.04▼ -0.96 (0.77%)

Research report

About EFU General Insurance Ltd

EFU General Insurance Ltd is a Pakistani general insurance company based in Karachi. It provides non-life insurance cover to individuals, businesses and institutions, including fire and property insurance, marine and cargo cover, motor insurance, health and accident policies, and other miscellaneous risks. The company serves customers across Pakistan through its branch network and works with corporate clients as well as individual policyholders seeking protection for their assets and liabilities.

On this site EFU General Insurance Ltd appears as a stock on the Pakistan Stock Exchange (PSX), code EFUG, with prices in Pakistani rupees (PKR). Our dividend records, which start in 2019, show payments in 8 different calendar years. The Market X-Ray on this page is price-based and compares it with other stocks on the same exchange; it does not measure how healthy the business is.

Market X-Ray · price-based

Strong price profile

Ranks #59 of 542 on the Pakistan Stock Exchange (PSX) · confidence High

What this score is, and is not

It describes how this stock has traded: trend, momentum, risk, liquidity and dividends, each ranked against the other stocks on its own exchange. It does not measure how healthy or cheap the business is. That fundamental X-Ray needs financial statements, which we do not have for Pakistan yet.

TrendStrong

75/100

Trading above its long-term averages and near its highs.

See the numbers →

Above 200-day average0.7%

From 52-week high-9.9%

MomentumFair

65/100

Typical recent returns for this exchange.

See the numbers →

3-month return0.0%

6-month return0.5%

12-month, skipping last month9.6%

Stability (higher is calmer)Strong

89/100

Calmer than most: low volatility and shallow drawdowns.

See the numbers →

Volatility, 1 year (lower is calmer)31.0%

Worst drawdown, 1 year (smaller is calmer)-15.1%

LiquidityWeak

40/100

Thinly traded: prices can jump and exits can be hard.

See the numbers →

Avg daily value traded2.06M PKR

Zero-volume days0.0%

IncomeStrong

84/100

Dividend is high and has been paid regularly.

See the numbers →

Dividend yield8.1%

Years with dividends6

Price-based X-Ray. The fundamental X-Ray (financial health, valuation, growth, fair value) is available for US stocks today. It will follow for Pakistan when fundamentals data for this market is added. All Pakistan stocks.

Price trend

Above 200-day, below 50-day

Versus its 50- and 200-day averages

52-week range

109.80 – 141.89

Price is 41% of the way up

Returns

+0.0% 3m · +7.7% 1y

Price returns, dividends not included

RSI (14)

Neutral zone

Fair value estimate · limited data

Data under review

Too few of our models give a usable value for this company, so we show no number rather than a misleading one.

PSX income statement only (no balance sheet or cash flow): only earnings and sales models can be built. Their weights were fitted to a professional consensus-style valuation of Pakistani stocks and checked on stocks that were not used for the fit, but they use no analyst forecasts. Treat this as a rough estimate.

P/E multiple

PKR 156.410

P/E on average earnings

PKR 143.450

Each model multiplies the company's trailing-twelve-month earnings (or sales) by a multiple that blends its own current multiple, its own history and its sector median. Earnings per share by fiscal year, newest first: 26.49, 18.56, 16.41, 10.03. Source: statements and price from the Pakistan Stock Exchange portal and end-of-day data. A model estimate, not a price target or advice. How it works.

Factor ratings for EFUG

Each factor is rated by where EFUG stands among the 29 stocks of its PSX sector (Insurance; all PSX stocks when the sector is too small for a fair comparison).

Rating against the group

Goodthe top third of these stocks

Averagethe middle third of these stocks

Badthe bottom third of these stocks

"Beats" is the share of those stocks it is ahead of.

For valuation factors Good means cheaper than most of the group, which is not the same as a bargain.

In total: 4 Good · 4 Average · 0 Bad of 8 Growth: 2 · 0 · 0 Valuation: 0 · 1 · 0 Price risk and momentum: 2 · 1 · 0 Liquidity: 0 · 2 · 0

Factor	EFUG	Rating	Group median
Growth
Profit growth, last financial year	+42.8%	Good beats 80%	+5.9%
EPS growth, 3 years a year	+38.2%	Good beats 75%	+25.7%
Valuation
P/E ratio (last 12 months)	4.4x	Average beats 65%	5.2x
Price risk and momentum
Volatility, 1 year	31.0%	Good beats 87%	49.2%
Worst drawdown, 1 year	−15.1%	Good beats 98%	−37.8%
12-month return, skipping the last month	+9.6%	Average beats 62%	+2.3%
Liquidity
Average daily value traded	PKR 2.1M	Average beats 39%	PKR 2.7M
Days with no trading	0.0%	Average beats 50%	0.0%

Built from the income-statement summary the Pakistan Stock Exchange publishes (sales, profit and EPS for up to four financial years, trailing P/E, market value) and our own end-of-day prices. The PSX portal has no balance sheet or cash flow, so there are no debt, cash-flow or book-value factors. A factor is left out when its data is missing or meaningless (for example a P/E on a loss). These ratings compare companies with each other and describe the past; they are not a forecast, a recommendation or part of the Market X-Ray.

Price chart

Interactive chart

52-wk range 109.80 – 141.89 Daily closes, split-adjusted

Signals

50-day average125.11

200-day average122.14

Golden/death cross (60d)None

New 52-week highNo

Bullish RSI divergenceNo

Average daily range (ATR)5.02

Technical summary

Daily

Bearish

5 bullish · 3 neutral · 8 bearish

Weekly

Neutral

6 bullish · 1 neutral · 5 bearish

Monthly

Strongly bullish

7 bullish · 1 neutral · 0 bearish

Moving averages (daily)

SMA 10	122.6	Bullish
EMA 10	123.2	Bearish
SMA 20	122.8	Bullish
EMA 20	123.4	Bearish
SMA 50	125.1	Bearish
EMA 50	124.1	Bearish
SMA 100	124.1	Bearish
EMA 100	123.6	Bearish
SMA 200	122.1	Bullish
EMA 200	121.5	Bullish

Oscillators (daily)

RSI (14)	47.95	Neutral
MACD (12, 26)	-0.48	Bearish
Momentum (12)	0.47	Bullish
Stochastic %K (14)	52.00	Neutral
Williams %R (14)	-48.00	Neutral
CCI (20)	105.4	Bearish

Pivot points (classic, last session)

112.1

117.1

120.1

Pivot

125.0

128.0

133.0

136.0

Signals describe what the chart is doing, not what to do. Moving averages: price above the average is bullish. Oscillators use the usual thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20; MACD and momentum above zero are bullish). Weekly and monthly views use closing prices only.

Dividends

Paid, last 12 months

10.00 PKR

Yield on today's price

8.13%

Frequency

Quarterly

Next ex-dividend date

Not announced

Tap a dividend date to compare the dividend yield on that day with today's.

Ex-dividend date	Amount per share
	1.5000
This payment: 1.5000 PKR per share, ex-dividend 31 Aug 2026. On 31 Aug 2026 7.81% Share price that day 127.99 PKR. Dividends in the 12 months up to that day: 10.00 PKR (1.50 + 1.50 + 5.50 + 1.50). Today, latest close 27 Oct 2026 8.13% Share price 123.04 PKR. Dividends in the last 12 months: 10.00 PKR (1.50 + 1.50 + 5.50 + 1.50). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.
	1.5000
This payment: 1.5000 PKR per share, ex-dividend 4 May 2026. On 4 May 2026 8.17% Share price that day 122.41 PKR. Dividends in the 12 months up to that day: 10.00 PKR (1.50 + 5.50 + 1.50 + 1.50). Today, latest close 27 Oct 2026 8.13% Share price 123.04 PKR. Dividends in the last 12 months: 10.00 PKR (1.50 + 1.50 + 5.50 + 1.50). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.
	5.5000
This payment: 5.5000 PKR per share, ex-dividend 18 Mar 2026. On 18 Mar 2026 8.24% Share price that day 121.34 PKR. Dividends in the 12 months up to that day: 10.00 PKR (5.50 + 1.50 + 1.50 + 1.50). Today, latest close 27 Oct 2026 8.13% Share price 123.04 PKR. Dividends in the last 12 months: 10.00 PKR (1.50 + 1.50 + 5.50 + 1.50). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.
	1.5000
This payment: 1.5000 PKR per share, ex-dividend 4 Nov 2025. On 4 Nov 2025 8.06% Share price that day 124.00 PKR. Dividends in the 12 months up to that day: 10.00 PKR (1.50 + 1.50 + 1.50 + 5.50). Today, latest close 27 Oct 2026 8.13% Share price 123.04 PKR. Dividends in the last 12 months: 10.00 PKR (1.50 + 1.50 + 5.50 + 1.50). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.
	1.5000
This payment: 1.5000 PKR per share, ex-dividend 2 Sep 2025. On 2 Sep 2025 7.69% Share price that day 129.99 PKR. Dividends in the 12 months up to that day: 10.00 PKR (1.50 + 1.50 + 5.50 + 1.50). Today, latest close 27 Oct 2026 8.13% Share price 123.04 PKR. Dividends in the last 12 months: 10.00 PKR (1.50 + 1.50 + 5.50 + 1.50). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.
	1.5000
This payment: 1.5000 PKR per share, ex-dividend 2 May 2025. On 2 May 2025 8.41% Share price that day 118.92 PKR. Dividends in the 12 months up to that day: 10.00 PKR (1.50 + 5.50 + 1.50 + 1.50). Today, latest close 27 Oct 2026 8.13% Share price 123.04 PKR. Dividends in the last 12 months: 10.00 PKR (1.50 + 1.50 + 5.50 + 1.50). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.
	5.5000
This payment: 5.5000 PKR per share, ex-dividend 17 Mar 2025. On 17 Mar 2025 8.12% Share price that day 123.15 PKR. Dividends in the 12 months up to that day: 10.00 PKR (5.50 + 1.50 + 1.50 + 1.50). Today, latest close 27 Oct 2026 8.13% Share price 123.04 PKR. Dividends in the last 12 months: 10.00 PKR (1.50 + 1.50 + 5.50 + 1.50). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.
	1.5000
This payment: 1.5000 PKR per share, ex-dividend 5 Nov 2024. On 5 Nov 2024 10.93% Share price that day 91.52 PKR. Dividends in the 12 months up to that day: 10.00 PKR (1.50 + 1.50 + 1.50 + 5.50). Today, latest close 27 Oct 2026 8.13% Share price 123.04 PKR. Dividends in the last 12 months: 10.00 PKR (1.50 + 1.50 + 5.50 + 1.50). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.
	1.5000
This payment: 1.5000 PKR per share, ex-dividend 4 Sep 2024. On 4 Sep 2024 11.17% Share price that day 89.50 PKR. Dividends in the 12 months up to that day: 10.00 PKR (1.50 + 1.50 + 5.50 + 1.50). Today, latest close 27 Oct 2026 8.13% Share price 123.04 PKR. Dividends in the last 12 months: 10.00 PKR (1.50 + 1.50 + 5.50 + 1.50). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.
	1.5000
This payment: 1.5000 PKR per share, ex-dividend 7 May 2024. On 7 May 2024 12.15% Share price that day 82.30 PKR. Dividends in the 12 months up to that day: 10.00 PKR (1.50 + 5.50 + 1.50 + 1.50). Today, latest close 27 Oct 2026 8.13% Share price 123.04 PKR. Dividends in the last 12 months: 10.00 PKR (1.50 + 1.50 + 5.50 + 1.50). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.
	5.5000
This payment: 5.5000 PKR per share, ex-dividend 20 Mar 2024. On 20 Mar 2024 17.22% Share price that day 90.00 PKR. Dividends in the 12 months up to that day: 15.50 PKR (5.50 + 1.50 + 1.50 + 1.50 + 5.50). Today, latest close 27 Oct 2026 8.13% Share price 123.04 PKR. Dividends in the last 12 months: 10.00 PKR (1.50 + 1.50 + 5.50 + 1.50). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.
	1.5000
This payment: 1.5000 PKR per share, ex-dividend 8 Nov 2023. On 8 Nov 2023 11.70% Share price that day 85.50 PKR. Dividends in the 12 months up to that day: 10.00 PKR (1.50 + 1.50 + 1.50 + 5.50). Today, latest close 27 Oct 2026 8.13% Share price 123.04 PKR. Dividends in the last 12 months: 10.00 PKR (1.50 + 1.50 + 5.50 + 1.50). Dividend yield = dividends paid in the 12 months up to that day divided by the share price that day, before tax. Past dividends are not a promise of future ones.

Ex-dividend dates and amounts from our market-data provider. Shown as declared, before tax. For Pakistani companies a future date appears only once our data provider lists it as declared; the exchange's own list of book closures is on dps.psx.com.pk/payouts.

Prices are end-of-day closes in PKR. Educational only, not financial advice.