Enbee Trade & Finance Ltd

Enbee Trade Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Enbee Trade & Finance Ltd

₹ 0.38 -5.00%
30 Mar 4:01 p.m.
enbeetrade.com BSE: 512441
About

Incorporated in 1985, Enbee Trade and Finance Ltd is in the business of providing financial services[1]

Key Points

Business Overview:[1][2][3]
ETFL is registered as a non-systematically important non-deposit taking Non-Banking Financial Company. The company operates in the retail lending segment and primarily lends to individual borrowers with established financial profiles.

Website BSE
  • Market Cap ₹ 67.4 Cr.
  • Current Price ₹ 0.38
  • High / Low ₹ 1.70 / 0.35
  • Stock P/E 6.60
  • Book Value ₹ 0.47
  • Dividend Yield 2.63 %
  • ROCE 12.7 %
  • ROE 9.02 %
  • Face Value ₹ 1.00
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Pros

  • Stock is trading at 0.80 times its book value
  • Company is expected to give good quarter
  • Company has delivered good profit growth of 65.2% CAGR over last 5 years

Cons

  • Promoter holding is low: 8.60%
  • Company has a low return on equity of 7.72% over last 3 years.
  • Promoter holding has decreased over last 3 years: -18.6%

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Services Services Commercial Services & Supplies Diversified Commercial Services

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Quarterly Results

Figures in Rs. Crores

Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025
1.25 -0.64 2.28 2.28 2.18 3.52 3.73 4.59 4.71 6.70 7.29 7.53 7.88
0.91 0.60 0.21 0.73 2.62 2.03 1.58 1.02 1.05 3.35 2.54 2.54 1.80
Operating Profit 0.34 -1.24 2.07 1.55 -0.44 1.49 2.15 3.57 3.66 3.35 4.75 4.99 6.08
OPM % 27.20% 90.79% 67.98% -20.18% 42.33% 57.64% 77.78% 77.71% 50.00% 65.16% 66.27% 77.16%
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Interest 0.30 0.56 0.58 0.26 0.28 0.63 0.80 1.08 1.11 1.12 1.18 1.25 1.53
Depreciation 0.01 0.03 0.01 0.35 0.01 0.37 0.14 0.14 0.14 0.14 0.16 0.16 0.08
Profit before tax 0.03 -1.83 1.48 0.94 -0.73 0.49 1.21 2.35 2.41 2.09 3.41 3.58 4.47
Tax % -133.33% -22.95% 25.00% 25.53% 54.79% -87.76% 21.49% 34.47% 65.98% 21.53% 27.57% 23.18% 25.50%
0.07 -1.41 1.11 0.70 -1.13 0.93 0.95 1.54 0.82 1.64 2.47 2.75 3.34
EPS in Rs 0.00 -0.00 0.01 0.00 -0.01 0.01 0.01 0.01 0.00 0.01 0.01 0.02 0.02
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
0 1 0 1 1 1 1 2 4 5 10 20 29
0 0 0 1 1 1 1 2 2 3 6 7 10
Operating Profit 0 1 0 0 0 0 -1 0 2 2 5 13 19
OPM % 89% 84% 28% 39% 36% 32% -64% 9% 48% 33% 45% 65% 65%
0 0 -0 0 0 0 0 0 0 0 0 0 0
Interest 0 0 0 0 0 0 0 0 0 1 2 4 5
Depreciation 0 0 0 0 0 0 0 0 0 0 1 1 1
Profit before tax 0 1 -0 0 0 0 -1 0 1 0 2 8 14
Tax % 36% 20% -800% 32% 25% 34% -24% 30% 28% 22% 27% 39%
0 1 0 0 0 0 -0 0 1 0 2 5 10
EPS in Rs 0.00 0.00 0.00 0.00 -0.00 0.00 0.00 0.00 0.01 0.03 0.06
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: 36%
5 Years: 87%
3 Years: 76%
TTM: 78%
Compounded Profit Growth
10 Years: 23%
5 Years: 65%
3 Years: 74%
TTM: 141%
Stock Price CAGR
10 Years: -19%
5 Years: -33%
3 Years: -41%
1 Year: -69%
Return on Equity
10 Years: 6%
5 Years: 7%
3 Years: 8%
Last Year: 9%

Balance Sheet

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Sep 2025
Equity Capital 0.25 0.25 1 2 2 2 2 2 2 2 14 57 57
Reserves 1 2 5 8 8 8 8 8 9 9 16 22 27
0 0 0 0 0 0 0 0 11 25 31 50 54
0 0 0 0 0 0 0 1 1 2 3 7 10
Total Liabilities 2 2 6 9 10 10 10 10 22 37 64 137 148
0 0 0 0 0 0 0 0 0 1 2 1 1
CWIP 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 0 0 0 0 0 0 0 0 0 0 0 0 1
1 2 6 9 10 10 10 10 22 36 63 136 147
Total Assets 2 2 6 9 10 10 10 10 22 37 64 137 148

Cash Flows

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
0 -0 -1 -6 -0 0 0 0 -11 1 -17 -44
-0 0 0 0 0 -0 -0 0 0 -1 -2 0
0 0 4 3 0 0 0 0 11 0 18 44
Net Cash Flow 0 0 3 -3 -0 -0 -0 0 0 -0 -0 0
Free Cash Flow 0 0 -1 -6 -0 -0 -0 0 -11 -0 -18 -44
CFO/OP 231% 13% -508% -1,562% -11% 29% -33% 29% -616% 77% -355% -346%

Ratios

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Debtor Days 0 0 85 0 0 0 0 0 0 0 0 0
Inventory Days
Days Payable
Cash Conversion Cycle 0 0 85 0 0 0 0 0 0 0 0 0
Working Capital Days 2,717 798 2,275 3,412 2,842 -47 -161 -114 -120 -108 -84 -130
ROCE % 11% 41% 3% 5% 5% 4% -6% 1% 11% 6% 8% 13%

Insights

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Mar 2015 Mar 2016 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Net Loan Assets (AUM)
INR Lakhs

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Gross NPA [Stage III]
Percentage
Capital Adequacy Ratio (CRAR)
Percentage
Net Interest Margin (NIM)
Percentage

Shareholding Pattern

Numbers in percentages

14 Recently
Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
27.19% 74.94% 74.94% 39.48% 36.43% 36.43% 36.43% 36.33% 10.62% 10.33% 8.60% 8.60%
72.81% 25.05% 25.06% 60.53% 63.57% 63.56% 63.56% 63.66% 89.38% 89.68% 91.41% 91.41%
No. of Shareholders 6961,0841,7485,4548,8958,0897,5718,41416,12840,88643,76644,688

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