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Regency Fincorp Ltd (540175)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 540175 NSE: Finance - Investment | Small Cap | Regency Fincorp Share Price

₹36.07 -0.24 (-0.66%)

As on 11-Jun'26 16:59

Regency Fincorp Ltd (540175)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 540175 NSE: Finance - Investment | Small Cap | Regency Fincorp Share Price

₹36.07 -0.24 (-0.66%)

As on 11-Jun'26 16:59

Key Metrics
Valuation Multiples
Market Cap
₹310 Cr.
Current Price
₹36.1
52-Week Low / High
₹23 / 47
TTM EPS
₹1.6
Book Value per Share
₹18.6
P/E Ratio
23.13
Higher than its 5-year historical median
Industry PE
51.5
Price to Book (P/B)
1.94
Higher than its 5-year historical median
EV/EBITDA
12.21
Higher than its 5-year historical median
Dividend Yield
0.00%
Profitability Efficiency
Return on Equity (ROE)
6.47%
Return on Capital Employed (ROCE)
7.91%
Return on Assets (ROA)
2.64%
Growth Momentum
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Improving versus 3-year growth rate
89.52%
Book Value Growth (1 Year)
Improving versus 3-year growth rate
28.12%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
₹34.5 Cr.
Reserves
₹74 Cr.
Equity
₹86 Cr.
Face Value
₹10
All Time Low / High
₹3.08 / 46.69

Regency Fincorp stock performance

Key Ratios
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Check Before You Invest

Valuation

Somewhat Overvalued

Price Trend

Weak
Q.1 Is Regency Fincorp Ltd a good quality company?
Regency Fincorp Ltd is a weak quality company, based on a inconsistent multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

We have analysed the performance of the company on the following:

  • How has it performed on generating Profits?

    By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.

  • How efficiently has it grown and managed operations?

    By checking its Total Asset growth.

  • How strong is its Capital position and Asset Quality?

    By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

How does Regency Fincorp Ltd performance compare with that of its Peers?
Q.1 AUM Growth of Regency Fincorp Ltd vs Industry Peers?
Regency Fincorp Ltd AUM CAGR is 43.99%, compared to the 5-year industry median CAGR of 9.27%, indicating faster growth and gaining its market share.
Q.1 Promoter shareholding and pledge status of Regency Fincorp Ltd?
Promoters hold 23.74% of the Regency Fincorp Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Q.1 Stock return of Regency Fincorp Ltd over the last decade?
Over the last 5 years, the stock has delivered a CAGR of 39.57% based on the current price.

10 Year X-Ray :

Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Regency Fincorp Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Operating Income (₹ Cr.)0.50.40.71.53.43.65.313.515.32034
YoY Gr. Rt. %--22.8%63.9%125.6%125.1%5.4%47.5%156.2%13.2%30.6%-
Adj EPS (₹ ) 0.60.30.40.50.50.50.50.90.50.81.6
YoY Gr. Rt. %--46%11.8%29%-6.1%10.9%2%67.3%-41.4%52.9%-
BVPS (₹ )5.15.45.88.610.511.111.912.812.816.518.6
YoY Gr. Rt. %-6.7%6.6%48.7%22.3%5%7.8%7.3%0.4%28.1%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)12.76.32.81.91.21.10.90.91.62.60

CAGR

9 Years 5 Years 3 Years 1 Years
Net Interest Income49.8%42.6%55.9%30.6%
Adj EPS2.4%11.1%14.5%52.9%
BVPS13.9%9.3%11.3%28.1%
Share Price - 38.9% 48% 28.9%

Key Financial Ratios

RATIOS \ YEARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Margins
Net Profit Margin (%)71.850.834.42411.111.710.56.912.924.938.9
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)13.26.66.87.354.75.176.36.58.4

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Income + 1012455141622
Interest Income1012345131520
Other Income 0000000011
Exceptional Items 0001020012
Expenditure + 0002355121315
Interest Expense 0001223998
Operating Expenses 0001122346
Provisions 0000000011
Exceptional Items 0000000000
Profit Before Tax 0000111137
Taxes 0000000012
Profit After Tax 0000001125
Adjusted EPS (₹)0.60.30.40.50.50.50.50.90.50.8
Dividend Payout Ratio (%)0%0%0%10.30%0%0%0%0%0%0%

Valuation of Regency Fincorp - Standalone

YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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Analyst's Notes

data not found
No data found!

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Equity and Liabilities

Equity Capital +333699131449105
Share Capital 3334445113864
Reserves 000355731141
Short term borrowings0000110554355
Long Term Borrowings00519272777355249
Current Liabilities 0031121584558
Trade Payables0000011100
Other Liabilities0-02-0-0-1-1-56-42-38
Total Liabilities 331326373991106147229

Assets

Non Current Asset +01624343888103132178
Loan Asset 0000000000
Other Non Current Asset 01624343888103132178
Current Asset +337232341651
Current Investment0000000003
Other Current Asset337232341648
Total Assets 331326373991106147229

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Cash Flow From Operating Activity 1012120121011
Cash Flow From Investing Activity -00-0-1-0-1-1-15-29-48
Cash Flow From Financing Activity 0-11-31-2143168
Net Cash Flow 002-11-1111231

Financial Ratio

PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Operational & Financial Ratios

EPS (₹)1.300.700.8010.90110.900.500.80
DPS (₹)0000.10000000
BVPS (₹)10.210.911.617.221.122.123.812.812.816.5

Performance Ratios

ROA (%)12.76.32.81.91.21.10.90.91.62.6
ROE (%)13.26.66.87.35.04.75.17.06.36.5
ROCE (%)17.29.46.47.67.98.25.611.19.37.9

Valuation Parameters

Price/Book(x)0.02.03.21.51.50.50.50.60.91.7

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

Regency Fincorp Ltd FAQs

The current trading price of Regency Fincorp on 11-Jun-2026 16:59 is ₹36.07.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 10-Jun-2026 the market cap of Regency Fincorp stood at ₹310.3 Cr

The latest P/E ratio of Regency Fincorp as of 10-Jun-2026 is 23.13.

The latest P/B ratio of Regency Fincorp as of 10-Jun-2026 is 1.94.

The 52-week high of Regency Fincorp is ₹46.69 and the 52-week low is ₹22.71.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Regency Fincorp is ₹34.46 ( Cr.) .

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Regency Fincorp Ltd is a below average quality company.

The key valuation ratios of Regency Fincorp Ltd's currently when compared to its past seem to suggest it is in the Somewhat overvalued zone.

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Regency Fincorp Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

About Regency Fincorp Ltd

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