WEBSITE BSE:540175 NSE: REGENCY Inc. Year: 1993 Industry: Finance - Investment My Bucket: Add Stock
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Regency Fincorp Limited is a financial services company based in India, primarily engaged in the business of lending and investment. Established to cater to the diverse financing needs of individuals and businesses, the company offers a range of services including personal loans, business loans, and other financial products. Regency Fincorp focuses on providing customized financial solutions, ensuring a seamless experience for its clients. The company emphasizes transparency, customer service, and efficient processing of loans, positioning itse...Read More
Regency Fincorp Limited is a financial services company based in India, primarily engaged in the business of lending and investment. Established to cater to the diverse financing needs of individuals and businesses, the company offers a range of services including personal loans, business loans, and other financial products. Regency Fincorp focuses on providing customized financial solutions, ensuring a seamless experience for its clients. The company emphasizes transparency, customer service, and efficient processing of loans, positioning itself as a reliable partner in the financial sector. With a commitment to growth and innovation, Regency Fincorp aims to expand its reach and enhance its service offerings, contributing to the financial empowerment of its customers. The company’s strategic initiatives and adherence to regulatory standards reflect its dedication to maintaining a sustainable business model in the dynamic financial landscape. ...Read Less
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Market Cap ₹257 Cr.
Stock P/E 51.7
P/B 1.7
Current Price ₹32.1
Book Value ₹ 18.8
Face Value 10
52W High ₹46.7
Dividend Yield 0%
52W Low ₹ 22.7
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 4 | 4 | 4 | 3 | 4 | 5 | 7 | 8 | 8 | 9 |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 2 | 2 | 1 |
| Total Income | 4 | 4 | 4 | 4 | 4 | 5 | 8 | 9 | 10 | 9 |
| Total Expenditure | 1 | 1 | 1 | 1 | 1 | 1 | 3 | 2 | 2 | 2 |
| Operating Profit | 3 | 3 | 3 | 3 | 3 | 4 | 6 | 7 | 7 | 7 |
| Interest Expense | 2 | 2 | 2 | 2 | 2 | 3 | 2 | 2 | 3 | 3 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | 1 | 1 | 1 | 1 | 1 | 1 | 4 | 4 | 5 | 5 |
| Provision for Tax | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 |
| Profit After Tax | 0 | 1 | 1 | 1 | 1 | 1 | 3 | 3 | 3 | 3 |
| Adjustments | -0 | 0 | 0 | 0 | 0 | 0 | 0 | -0 | 0 | -0 |
| Profit After Adjustments | 0 | 1 | 1 | 1 | 1 | 1 | 3 | 3 | 3 | 3 |
| Adjusted Earnings Per Share | 0.1 | 0.1 | 0.2 | 0.1 | 0.2 | 0.2 | 0.4 | 0.5 | 0.5 | 0.4 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 0 | 1 | 0 | 1 | 2 | 3 | 4 | 5 | 13 | 15 | 20 | 32 |
| Other Income | 0 | 0 | 0 | 0 | 1 | 0 | 2 | 0 | 0 | 1 | 2 | 6 |
| Total Income | 0 | 1 | 0 | 1 | 2 | 4 | 5 | 5 | 14 | 16 | 22 | 36 |
| Total Expenditure | 0 | 0 | 0 | 0 | 1 | 1 | 2 | 2 | 2 | 3 | 6 | 9 |
| Operating Profit | 0 | 0 | 0 | 0 | 1 | 3 | 3 | 4 | 11 | 12 | 15 | 27 |
| Interest Expense | 0 | 0 | 0 | 0 | 1 | 2 | 2 | 3 | 9 | 9 | 8 | 10 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 0 |
| Profit Before Tax | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 3 | 7 | 18 |
| Provision for Tax | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 2 | 4 |
| Profit After Tax | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 2 | 5 | 12 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 2 | 5 | 12 |
| Adjusted Earnings Per Share | 0 | 0.6 | 0.3 | 0.4 | 0.5 | 0.5 | 0.5 | 0.5 | 0.9 | 0.5 | 0.8 | 1.8 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 33% | 59% | 46% | 0% |
| Operating Profit CAGR | 25% | 55% | 38% | 0% |
| PAT CAGR | 150% | 71% | 0% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 4% | 57% | 42% | NA% |
| ROE Average | 6% | 7% | 6% | 6% |
| ROCE Average | 8% | 9% | 8% | 8% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 3 | 3 | 3 | 5 | 6 | 9 | 9 | 13 | 14 | 51 | 122 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Borrowings | 0 | 0 | 0 | 5 | 19 | 27 | 27 | 77 | 35 | 51 | 49 |
| Current Liability | 0 | 0 | 0 | 3 | 1 | 1 | 2 | 1 | 58 | 45 | 58 |
| Other Liabilities & Provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Liabilities | 3 | 3 | 3 | 13 | 26 | 37 | 39 | 91 | 106 | 147 | 229 |
| Loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 0 | 0 | 0 |
| Fixed Assets | 0 | 0 | 0 | 0 | 1 | 1 | 2 | 2 | 3 | 6 | 6 |
| Other Loans | 0 | 0 | 1 | 6 | 23 | 33 | 35 | 85 | 100 | 126 | 172 |
| Other Non Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Current Assets | 3 | 3 | 3 | 7 | 2 | 3 | 2 | 3 | 4 | 16 | 51 |
| Total Assets | 3 | 3 | 3 | 13 | 26 | 37 | 39 | 91 | 106 | 147 | 229 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 0 | 0 | 0 | 0 | 2 | 1 | 2 | 1 | 1 | 2 | 14 |
| Cash Flow from Operating Activities | -3 | 1 | 0 | 1 | 2 | 1 | 2 | 0 | 12 | 10 | 11 |
| Cash Flow from Investing Activities | 3 | -0 | 0 | -0 | -1 | -0 | -1 | -1 | -15 | -29 | -48 |
| Cash Flow from Financing Activities | 0 | 0 | -1 | 1 | -3 | 1 | -2 | 1 | 4 | 31 | 68 |
| Net Cash Inflow / Outflow | 0 | 0 | 0 | 2 | -1 | 1 | -1 | 1 | 1 | 12 | 31 |
| Closing Cash & Cash Equivalent | 0 | 0 | 0 | 2 | 1 | 2 | 1 | 1 | 2 | 14 | 46 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 0.02 | 0.63 | 0.34 | 0.38 | 0.49 | 0.46 | 0.51 | 0.52 | 0.87 | 0.51 | 0.78 |
| CEPS(Rs) | 0.02 | 0.63 | 0.34 | 0.4 | 0.51 | 0.65 | 0.77 | 0.83 | 1.25 | 0.74 | 0.9 |
| DPS(Rs) | 0 | 0 | 0 | 0 | 0.1 | 0 | 0 | 0 | 0 | 0 | 0 |
| Book NAV/Share(Rs) | 4.46 | 5.09 | 5.43 | 5.79 | 8.61 | 10.53 | 11.06 | 11.92 | 12.79 | 12.84 | 16.45 |
| Net Profit Margin | 12.06 | 71.78 | 50.81 | 34.36 | 24.01 | 11.11 | 11.71 | 10.52 | 6.86 | 12.88 | 24.93 |
| Operating Margin | 14.91 | 93.38 | 72.89 | 62.93 | 89.09 | 72.26 | 84.97 | 66.78 | 79.01 | 75.49 | 73.69 |
| PBT Margin | 14.9 | 93.37 | 72.57 | 46.46 | 32.5 | 15.77 | 16.87 | 13.67 | 9.44 | 16.75 | 33.54 |
| ROA(%) | 0.33 | 12.69 | 6.3 | 2.83 | 1.86 | 1.19 | 1.1 | 0.85 | 0.94 | 1.55 | 2.64 |
| ROE(%) | 0.34 | 13.21 | 6.55 | 6.8 | 7.32 | 5 | 4.72 | 5.08 | 7.01 | 6.27 | 6.47 |
| ROCE(%) | 0.42 | 17.19 | 9.4 | 6.42 | 7.57 | 7.88 | 8.22 | 5.55 | 11.05 | 9.28 | 7.91 |
| Price/Earnings(x) | 0 | 0 | 32.19 | 48.65 | 25.68 | 34.29 | 11.42 | 10.27 | 9.12 | 22.06 | 36.04 |
| Price/Book(x) | 0 | 0 | 2.04 | 3.21 | 1.45 | 1.49 | 0.53 | 0.45 | 0.62 | 0.88 | 1.71 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0.4 | 0 | 0 | 0 | 0 | 0 | 0 |
| EV/Net Sales(x) | 39.79 | 5.48 | 16.08 | 20.52 | 18.15 | 11.34 | 8.95 | 15.4 | 7.11 | 8.1 | 11.94 |
| EV/Core EBITDA(x) | 266.83 | 5.87 | 22.05 | 31.77 | 20.12 | 14.75 | 9.83 | 21.04 | 8.67 | 10 | 15.44 |
| Interest Earned Growth(%) | 2900 | 603.2 | -22.8 | 63.73 | 125.71 | 125.09 | 5.41 | 47.47 | 156.23 | 13.23 | 30.64 |
| Net Profit Growth | 376.4 | 4084.99 | -45.35 | 10.73 | 57.71 | 4.12 | 11.16 | 32.4 | 67.04 | 112.66 | 152.97 |
| EPS Growth(%) | 376.4 | 4084.99 | -45.35 | 10.73 | 27.47 | -5.77 | 11.16 | 1.65 | 67.02 | -40.55 | 52.07 |
| Interest Coverage(x) % | 1331.33 | 9732.77 | 228.76 | 3.82 | 1.57 | 1.28 | 1.25 | 1.26 | 1.14 | 1.29 | 1.84 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 23.18 | 23.19 | 22.89 | 23.43 | 23.13 | 17.46 | 16.86 | 17.58 | 23.74 | 23.74 |
| FII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| DII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.98 | 1.19 | 1.19 |
| Public | 76.82 | 76.81 | 77.11 | 76.57 | 76.87 | 82.54 | 83.14 | 81.44 | 75.07 | 75.07 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 0.84 | 0.84 | 1 | 1.03 | 1.11 | 1.11 | 1.17 | 1.22 | 1.9 | 1.9 |
| FII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| DII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.07 | 0.1 | 0.1 |
| Public | 2.79 | 2.79 | 3.38 | 3.35 | 3.69 | 5.25 | 5.78 | 5.66 | 6.02 | 6.02 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 3.63 | 3.63 | 4.38 | 4.38 | 4.8 | 6.36 | 6.95 | 6.95 | 8.02 | 8.02 |
* The pros and cons are machine generated.
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