Karachi Stock Exchange · Pakistan · Updated after 23 Oct 2026 close

EFU Life Assurance Ltd

EFUL · Karachi Stock Exchange · prices in PKR

PKR 114.46▼ -1.30 (1.12%)

Research report Historical data

About EFU Life Assurance Ltd

EFU Life Assurance is a Pakistani life insurer based in Karachi. It provides individual life insurance, group life and health coverage, and savings and protection plans to individuals, families and employers across the country. Its products include term and whole life policies, retirement and education savings plans, and employee benefit arrangements for corporate clients. The company works through a network of sales staff and agents who serve customers in cities and towns throughout Pakistan.

EFU Life Assurance Ltd trades under the code EFUL on the Karachi Stock Exchange in Pakistan, with its price quoted 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

Weak price profile

Ranks #301 of 494 on the Karachi Stock Exchange · 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.

TrendWeak

31/100

Below its long-term averages and far from its highs.

See the numbers →

Above 200-day average-23.0%

From 52-week high-36.8%

MomentumWeak

30/100

Lagging most stocks on this exchange.

See the numbers →

3-month return-25.3%

6-month return-20.0%

12-month, skipping last month12.8%

Stability (higher is calmer)Fair

67/100

Typical risk for this exchange.

See the numbers →

Volatility, 1 year (lower is calmer)41.6%

Worst drawdown, 1 year (smaller is calmer)-37.8%

LiquidityWeak

33/100

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

See the numbers →

Avg daily value traded2.07M PKR

Zero-volume days0.0%

IncomeStrong

88/100

Dividend is high and has been paid regularly.

See the numbers →

Dividend yield9.4%

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

Below its 200-day average

Versus its 50- and 200-day averages

52-week range

107.01 – 185.50

Price is 9% of the way up

Returns

−25.3% 3m · −18.3% 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 147.680

P/E on average earnings

PKR 136.710

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: 23.26, 28.79, 20.64, 16.92. 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 EFUL

Each factor is rated by where EFUL 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: 2 Good · 4 Average · 2 Bad of 8 Growth: 0 · 0 · 2 Valuation: 0 · 1 · 0 Price risk and momentum: 2 · 1 · 0 Liquidity: 0 · 2 · 0

Factor	EFUL	Rating	Group median
Growth
Profit growth, last financial year	−18.3%	Bad beats 16%	+5.9%
EPS growth, 3 years a year	+11.2%	Bad beats 31%	+25.7%
Valuation
P/E ratio (last 12 months)	4.8x	Average beats 52%	5.3x
Price risk and momentum
Volatility, 1 year	41.6%	Good beats 76%	49.4%
Worst drawdown, 1 year	−37.8%	Average beats 46%	−37.7%
12-month return, skipping the last month	+12.8%	Good beats 70%	+2.6%
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 Historical data & CSV

52-wk range 107.01 – 185.50 Daily closes, split-adjusted

Signals

50-day average145.84

200-day average148.69

Golden/death cross (60d)Death, 4 days ago

New 52-week highNo

Bullish RSI divergenceNo

Average daily range (ATR)6.19

Technical summary

Daily

Strongly bearish

1 bullish · 4 neutral · 11 bearish

Weekly

Strongly bearish

0 bullish · 1 neutral · 11 bearish

Monthly

Strongly bearish

1 bullish · 1 neutral · 6 bearish

Moving averages (daily)

SMA 10	113.0	Bullish
EMA 10	116.0	Bearish
SMA 20	122.7	Bearish
EMA 20	122.9	Bearish
SMA 50	145.8	Bearish
EMA 50	137.0	Bearish
SMA 100	149.7	Bearish
EMA 100	143.9	Bearish
SMA 200	148.7	Bearish
EMA 200	145.9	Bearish

Oscillators (daily)

RSI (14)	31.98	Neutral
MACD (12, 26)	-9.79	Bearish
Momentum (12)	-0.21	Bearish
Stochastic %K (14)	41.43	Neutral
Williams %R (14)	-58.57	Neutral
CCI (20)	-31.69	Neutral

Pivot points (classic, last session)

100.7

106.8

110.6

Pivot

116.8

120.6

126.8

130.6

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

10.77 PKR

Yield on today's price

9.41%

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
	1.0774
This payment: 1.0774 PKR per share, ex-dividend 31 Aug 2026. On 31 Aug 2026 6.76% Share price that day 159.42 PKR. Dividends in the 12 months up to that day: 10.77 PKR (1.08 + 1.08 + 7.54 + 1.08). Today, latest close 23 Oct 2026 9.41% Share price 114.46 PKR. Dividends in the last 12 months: 10.77 PKR (1.08 + 1.08 + 7.54 + 1.08). 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.
	1.0774
This payment: 1.0774 PKR per share, ex-dividend 4 May 2026. On 4 May 2026 7.41% Share price that day 145.48 PKR. Dividends in the 12 months up to that day: 10.77 PKR (1.08 + 7.54 + 1.08 + 1.08). Today, latest close 23 Oct 2026 9.41% Share price 114.46 PKR. Dividends in the last 12 months: 10.77 PKR (1.08 + 1.08 + 7.54 + 1.08). 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.
	7.5419
This payment: 7.5419 PKR per share, ex-dividend 18 Mar 2026. On 18 Mar 2026 7.42% Share price that day 145.26 PKR. Dividends in the 12 months up to that day: 10.77 PKR (7.54 + 1.08 + 1.08 + 1.08). Today, latest close 23 Oct 2026 9.41% Share price 114.46 PKR. Dividends in the last 12 months: 10.77 PKR (1.08 + 1.08 + 7.54 + 1.08). 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.
	1.0774
This payment: 1.0774 PKR per share, ex-dividend 3 Nov 2025. On 3 Nov 2025 7.10% Share price that day 151.73 PKR. Dividends in the 12 months up to that day: 10.77 PKR (1.08 + 1.08 + 1.08 + 7.54). Today, latest close 23 Oct 2026 9.41% Share price 114.46 PKR. Dividends in the last 12 months: 10.77 PKR (1.08 + 1.08 + 7.54 + 1.08). 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.
	1.0774
This payment: 1.0774 PKR per share, ex-dividend 1 Sep 2025. On 1 Sep 2025 6.74% Share price that day 159.92 PKR. Dividends in the 12 months up to that day: 10.77 PKR (1.08 + 1.08 + 7.54 + 1.08). Today, latest close 23 Oct 2026 9.41% Share price 114.46 PKR. Dividends in the last 12 months: 10.77 PKR (1.08 + 1.08 + 7.54 + 1.08). 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.
	1.0774
This payment: 1.0774 PKR per share, ex-dividend 2 May 2025. On 2 May 2025 7.71% Share price that day 139.68 PKR. Dividends in the 12 months up to that day: 10.77 PKR (1.08 + 7.54 + 1.08 + 1.08). Today, latest close 23 Oct 2026 9.41% Share price 114.46 PKR. Dividends in the last 12 months: 10.77 PKR (1.08 + 1.08 + 7.54 + 1.08). 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.
	7.5419
This payment: 7.5419 PKR per share, ex-dividend 17 Mar 2025. On 17 Mar 2025 7.13% Share price that day 151.02 PKR. Dividends in the 12 months up to that day: 10.77 PKR (7.54 + 1.08 + 1.08 + 1.08). Today, latest close 23 Oct 2026 9.41% Share price 114.46 PKR. Dividends in the last 12 months: 10.77 PKR (1.08 + 1.08 + 7.54 + 1.08). 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.
	1.0774
This payment: 1.0774 PKR per share, ex-dividend 4 Nov 2024. On 4 Nov 2024 5.99% Share price that day 179.99 PKR. Dividends in the 12 months up to that day: 10.77 PKR (1.08 + 1.08 + 1.08 + 7.54). Today, latest close 23 Oct 2026 9.41% Share price 114.46 PKR. Dividends in the last 12 months: 10.77 PKR (1.08 + 1.08 + 7.54 + 1.08). 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.
	1.0774
This payment: 1.0774 PKR per share, ex-dividend 3 Sep 2024. On 3 Sep 2024 7.07% Share price that day 167.75 PKR. Dividends in the 12 months up to that day: 11.85 PKR (1.08 + 1.08 + 7.54 + 1.08 + 1.08). Today, latest close 23 Oct 2026 9.41% Share price 114.46 PKR. Dividends in the last 12 months: 10.77 PKR (1.08 + 1.08 + 7.54 + 1.08). 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.
	1.0774
This payment: 1.0774 PKR per share, ex-dividend 7 May 2024. On 7 May 2024 5.63% Share price that day 191.50 PKR. Dividends in the 12 months up to that day: 10.77 PKR (1.08 + 7.54 + 1.08 + 1.08). Today, latest close 23 Oct 2026 9.41% Share price 114.46 PKR. Dividends in the last 12 months: 10.77 PKR (1.08 + 1.08 + 7.54 + 1.08). 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.
	7.5419
This payment: 7.5419 PKR per share, ex-dividend 20 Mar 2024. On 20 Mar 2024 5.63% Share price that day 191.25 PKR. Dividends in the 12 months up to that day: 10.77 PKR (7.54 + 1.08 + 1.08 + 1.08). Today, latest close 23 Oct 2026 9.41% Share price 114.46 PKR. Dividends in the last 12 months: 10.77 PKR (1.08 + 1.08 + 7.54 + 1.08). 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.
	1.0774
This payment: 1.0774 PKR per share, ex-dividend 8 Nov 2023. On 8 Nov 2023 5.92% Share price that day 182.00 PKR. Dividends in the 12 months up to that day: 10.77 PKR (1.08 + 1.08 + 1.08 + 7.54). Today, latest close 23 Oct 2026 9.41% Share price 114.46 PKR. Dividends in the last 12 months: 10.77 PKR (1.08 + 1.08 + 7.54 + 1.08). 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 EODHD. Shown as declared, before tax. For Pakistani companies a future date appears only once EODHD 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.