Enbee Trade & Finance FY26 Results: Net profit surges 153% YoY
- Net profit surged 153% YoY to ₹1,251.87 lakh for FY26
- Interest income rose 55% to ₹3,062.31 lakh on loan growth
- Zero gross NPAs reported as of March 31, 2026
- Completed ₹12.56 crore rights issue post-year-end
*this image is generated using AI for illustrative purposes only.
Enbee Trade & Finance reported a 153% year-on-year increase in net profit for FY26, reaching ₹1,251.87 lakh. The Mumbai-based non-banking financial company (NBFC) saw its interest income rise 55% to ₹3,062.31 lakh, reflecting robust loan book growth and operational efficiency.
The company’s total assets expanded by 15.8% to ₹15,870.62 lakh, with the loan portfolio growing 14.5% to ₹15,316.93 lakh. Despite higher finance costs of ₹528.52 lakh, the firm maintained healthy asset quality with zero gross non-performing assets (NPAs) as of March 31, 2026.
Financial Performance
Revenue from operations stood at ₹3,062.31 lakh, up from ₹1,973.38 lakh in the previous fiscal. Total expenses increased to ₹1,385.72 lakh from ₹1,167.97 lakh, primarily due to higher employee benefit expenses and finance costs. The effective tax rate was 25.36%, compared to 38.58% in FY25.
| Metric | FY26 | FY25 | Change |
|---|---|---|---|
| Interest Income | ₹3,062.31 lakh | ₹1,973.38 lakh | +55.2% |
| Total Expenses | ₹1,385.72 lakh | ₹1,167.97 lakh | +18.6% |
| Net Profit | ₹1,251.87 lakh | ₹494.67 lakh | +153.1% |
| Total Assets | ₹15,870.62 lakh | ₹13,702.11 lakh | +15.8% |
Balance Sheet & Capital Raise
Total borrowings rose to ₹5,372.03 lakh from ₹5,096.19 lakh. The company’s adjusted net debt-to-equity ratio improved to 0.59 from 0.64. Post the reporting period, Enbee Trade & Finance completed a rights issue of 12.56 crore equity shares at ₹1 each, raising ₹12.56 crore to repay promoter loans and augment capital.
What the Numbers Show
The divergence between revenue growth and expense management highlights improved operating leverage. While interest income surged 55%, total expenses grew only 18.6%, leading to a significant expansion in pre-tax profits. Furthermore, the complete absence of Stage 3 loans indicates strong credit underwriting, allowing the company to book lower impairment charges relative to its expanding asset base.
Historical Stock Returns for Enbee Trade & Finance
| 1 Day | 5 Days | 1 Month | 6 Months | 1 Year | 5 Years |
|---|---|---|---|---|---|
| +4.00% | -3.70% | -16.13% | -35.00% | -64.86% | 0.0% |
How will the ₹12.56 crore raised from the rights issue specifically influence Enbee's future loan book expansion targets and interest income growth trajectory?
Given the current zero NPA status, what specific risk management strategies is Enbee implementing to maintain asset quality as it scales its loan portfolio by 14.5%?
With the effective tax rate dropping significantly to 25.36%, are there structural changes in the company's tax planning or government incentives that could sustain this lower rate in FY27?
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