ENBEE TRADE & FINANCE LTD. (ENBETRD) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of ENBEE TRADE & FINANCE LTD. ₹0.52, price ₹0.26, upside +100.0%, quality 51 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.
How to read this chart
60‑month range ₹0.2400 – ₹4.10 · fair‑value band ₹0.4560 – ₹0.6880 · the ₹0.2600 price screens below the ₹0.5200 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 27, 2026.
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Enbee Trade and Finance Limited, a non-banking financial company, provides financing services to individuals, and small and medium business enterprises in India. The company was incorporated in 1985 and is based in Mumbai, India.
Stock analysis
ENBEE TRADE & FINANCE LTD. (ENBETRD) currently trades at ₹0.2600, while our model-based Fair Value estimate is ₹0.5200, implying the stock looks roughly 50.0% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of ₹1.83 per share, and 6 of the 6 models we run sit above the ₹0.2600 price.
Bear case: the Asset-Based group reads lowest at ₹0.8800, and 0 of the 6 models stay below the price. Evidence for this calculation is low.
Scenario range: ₹0.4560 (bear) to ₹0.6880 (bull), the price of ₹0.2600 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 51/100 (solid quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
ENBEE TRADE & FINANCE LTD. reported revenue of ₹306M in FY2026 versus ₹36.4M in FY2022, a compound +70.3%/yr. Reported net income was ₹125M in FY2026, compounding +90.9%/yr from FY2022.
Key figures
Market cap ₹174M (≈ $1.8M) · P/E ratio 1.1 · P/S ratio 0.44 · EPS (TTM) ₹0.2400 · Dividend yield 3.3% · Net margin 40.9% · Return on equity 14.7% · Return on assets (EBIT) 5.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 49% below its 52-week high and 8% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at 100%, ENBETRD screens cheaper than that median.
Fair Value models
Bear ₹0.4560Fair Value ₹0.5200Bull ₹0.6880
Price ₹0.2600 · Upside +100.0%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2026 figures (about 6 months old). Earnings retained since then (₹0.1230 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+55.2%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+84.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+73.4%
Start year 2021 (pandemic)
Revenue growth 7 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+54.8%
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What shareholders gained per year (last 5 years), in INR (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip. Measured in INR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+32.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+28.9%
Dividend (yield on the price)3.3%
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.−1% → 55%
2026 sits 160% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
⚠ Revenue per share shrinking 36.9%/yr over ~5Y (margins intact) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 329 stocks
Beats the industry median on 11/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score51 · Below median
Fair Value upside+100.0% · Top 25%
Profitability
Return on equity (TTM)14.7% · Above median
Return on assets8.5% · Top 25%
Net margin (TTM)57.5% · Top 25%
Operating margin (TTM)79.9% · Top 25%
Growth and dividend
Revenue growth33.6% · Top 25%
Dividend yield (TTM)3.3% · Above median
Balance sheet
Debt / equity0.59× · Below median
Valuation Multiplesvs Credit Services median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Is ENBEE TRADE & FINANCE LTD. (ENBETRD) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of ₹0.5200 versus a price of ₹0.2600, about +100% upside (undervalued).
What is the fair value of ENBETRD?
Our model-based fair value for ENBEE TRADE & FINANCE LTD. is ₹0.5200 (as of Sep 27, 2026), built from audited fundamentals. The current price: ₹0.2600.
What is the quality score of ENBETRD?
ENBEE TRADE & FINANCE LTD. has a Quality Score of 51/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for ENBEE TRADE & FINANCE LTD. (ENBETRD)?
Our model-based price target is the fair value of ₹0.5200 (as of Sep 27, 2026) from 6 valuation models. Cautious scenario ₹0.4560, optimistic scenario ₹0.6880. It is a calculation from audited fundamentals, not an analyst target.
What is the ENBEE TRADE & FINANCE LTD. stock forecast for 2026?
Our models put fair value at ₹0.5200, about +100% upside versus a price of ₹0.2600 (undervalued). Cautious scenario ₹0.4560, optimistic scenario ₹0.6880. The calculation is refreshed regularly with new filings.
What is the revenue of ENBEE TRADE & FINANCE LTD. (ENBETRD)?
ENBEE TRADE & FINANCE LTD. reported trailing-twelve-month revenue of about ₹245M (latest available figure, as of Sep 27, 2026).
Does ENBEE TRADE & FINANCE LTD. pay a dividend?
ENBEE TRADE & FINANCE LTD. currently shows a dividend yield of about 3.26% relative to its recent price (as of Sep 27, 2026).
What is the intrinsic value of ENBEE TRADE & FINANCE LTD. (ENBETRD)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For ENBEE TRADE & FINANCE LTD. it is ₹0.5200 per share (as of Sep 27, 2026), against a price of ₹0.2600. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is ENBEE TRADE & FINANCE LTD. stock overvalued or undervalued in 2026?
As of Sep 27, 2026, ENBETRD trades below its calculated fair value: price ₹0.2600, fair value ₹0.5200, a gap of about +100% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of ENBETRD?
No. The price is what the market pays today (₹0.2600); the fair value is what the company's own numbers justify (₹0.5200). For ENBEE TRADE & FINANCE LTD. the two are ₹0.2600 per share apart. That gap is exactly why we show both numbers side by side.
How much is ENBEE TRADE & FINANCE LTD. worth?
The market values ENBEE TRADE & FINANCE LTD. at about ₹174M (market capitalisation, as of Sep 27, 2026). Per share that is ₹0.2600; our models calculate a fair value of ₹0.5200 per share.
What do the bullish and bearish scenarios say about ENBETRD?
Our models span a range for ENBEE TRADE & FINANCE LTD.: cautious scenario ₹0.4560, base ₹0.5200, optimistic ₹0.6880 per share (as of Sep 27, 2026, price ₹0.2600). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of ENBETRD?
ENBEE TRADE & FINANCE LTD. trades at a price-to-earnings ratio of 1.1 (as of Sep 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹0.5200 is built from several models across several years. Other multiples: P/B 0.2, P/S 0.7, EV/EBITDA 67.6.
How solid is the balance sheet of ENBEE TRADE & FINANCE LTD. (ENBETRD)?
Balance-sheet figures for ENBEE TRADE & FINANCE LTD. (as of Sep 27, 2026): return on equity 14.7%, debt of 0.59 per unit of equity. They feed the Quality Score of 51/100, which measures business quality independently of the share price.
How far is ENBETRD from its 52-week high?
ENBEE TRADE & FINANCE LTD. trades at ₹0.2600, about 49% below its 52-week high of ₹0.5100 and 8% above the low of ₹0.2400 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹0.5200 is for.
Which stocks are comparable to ENBEE TRADE & FINANCE LTD.?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is ENBEE TRADE & FINANCE LTD. stock attractive at the current price?
The data as of Sep 27, 2026: price ₹0.2600, calculated fair value ₹0.5200 (+100%), Quality Score 51/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of ENBETRD calculated?
We run ENBEE TRADE & FINANCE LTD. through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of ₹0.5200, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.9 % above its aggregate fair value. ENBEE TRADE & FINANCE LTD. currently trades 50 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of ENBEE TRADE & FINANCE LTD. (ENBETRD)?
The closing price on Oct 1, 2026 was ₹0.2600. Our model-based fair value is ₹0.5200, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with ENBEE TRADE & FINANCE LTD. right now?
The price is below even our cautious bear case (₹0.4560). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (51/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of ENBEE TRADE & FINANCE LTD.
How large is the market capitalisation of ENBEE TRADE & FINANCE LTD. (ENBETRD)?
The market capitalisation of ENBEE TRADE & FINANCE LTD. is ₹174M (≈ $1.8M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of ENBEE TRADE & FINANCE LTD. (ENBETRD)?
The price-to-sales ratio of ENBEE TRADE & FINANCE LTD. is 0.44 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of ENBEE TRADE & FINANCE LTD. (ENBETRD)?
Earnings per share at ENBEE TRADE & FINANCE LTD. are ₹0.2400 (price ÷ EPS = P/E 1.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of ENBEE TRADE & FINANCE LTD. (ENBETRD)?
The dividend yield of ENBEE TRADE & FINANCE LTD. is 3.3% (payout 3.5%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of ENBEE TRADE & FINANCE LTD. (ENBETRD)?
The net margin of ENBEE TRADE & FINANCE LTD. is 40.9% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of ENBEE TRADE & FINANCE LTD. (ENBETRD)?
The return on equity (ROE) of ENBEE TRADE & FINANCE LTD. is 14.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of ENBEE TRADE & FINANCE LTD. (ENBETRD)?
On an EBIT basis the return on assets of ENBEE TRADE & FINANCE LTD. is 5.3% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of ENBEE TRADE & FINANCE LTD. (ENBETRD)?
The operating margin of ENBEE TRADE & FINANCE LTD. is 79.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at ENBEE TRADE & FINANCE LTD. (ENBETRD)?
Revenue at ENBEE TRADE & FINANCE LTD. is growing +33.6% versus a year earlier (3y avg +84.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at ENBEE TRADE & FINANCE LTD. (ENBETRD)?
Earnings per share at ENBEE TRADE & FINANCE LTD. are growing +50.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does ENBEE TRADE & FINANCE LTD. (ENBETRD) generate?
The free cash flow of ENBEE TRADE & FINANCE LTD. is −₹16.1M (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does ENBEE TRADE & FINANCE LTD. (ENBETRD) carry?
The net debt of ENBEE TRADE & FINANCE LTD. is ₹537M (fiscal year 2026). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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