Regency Fincorp Ltd
Incorporated in 1993, Regency Fincorp Ltd is a non-deposit taking NBFC
- Market Cap ₹ 189 Cr.
- Current Price ₹ 29.7
- High / Low ₹ 43.6 / 13.2
- Stock P/E 38.0
- Book Value ₹ 19.2
- Dividend Yield 0.00 %
- ROCE 11.0 %
- ROE 5.78 %
- Face Value ₹ 10.0
Pros
- Company has reduced debt.
- Company is almost debt free.
- Company is expected to give good quarter
Cons
- Though the company is reporting repeated profits, it is not paying out dividend
- Company has low interest coverage ratio.
- Promoter holding has decreased over last quarter: -5.67%
- Promoter holding is low: 17.5%
- Company has a low return on equity of 6.23% over last 3 years.
* 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
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Quarterly Results
Figures in Rs. Crores
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 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
0.00 | 0.08 | 0.53 | 0.41 | 0.64 | 2.19 | 3.61 | 5.36 | 5.40 | 13.51 | 15.73 | 19.96 | |
0.00 | 0.07 | 0.05 | 0.12 | 0.21 | 0.83 | 1.01 | 2.07 | 1.57 | 2.46 | 2.90 | 6.23 | |
Operating Profit | 0.00 | 0.01 | 0.48 | 0.29 | 0.43 | 1.36 | 2.60 | 3.29 | 3.83 | 11.05 | 12.83 | 13.73 |
OPM % | 12.50% | 90.57% | 70.73% | 67.19% | 62.10% | 72.02% | 61.38% | 70.93% | 81.79% | 81.56% | 68.79% | |
0.00 | 0.00 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | -0.04 | 0.03 | 0.01 | -0.45 | 1.71 | |
Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.11 | 0.85 | 1.91 | 2.43 | 2.80 | 9.38 | 8.97 | 8.01 |
Depreciation | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.02 | 0.16 | 0.21 | 0.34 | 0.41 | 0.85 | 0.73 |
Profit before tax | 0.00 | 0.01 | 0.49 | 0.30 | 0.31 | 0.49 | 0.53 | 0.61 | 0.72 | 1.27 | 2.56 | 6.70 |
Tax % | 0.00% | 22.45% | 30.00% | 25.81% | 26.53% | 30.19% | 29.51% | 23.61% | 27.56% | 23.44% | 25.67% | |
0.00 | 0.01 | 0.38 | 0.21 | 0.23 | 0.36 | 0.38 | 0.42 | 0.55 | 0.92 | 1.97 | 4.98 | |
EPS in Rs | 0.00 | 0.01 | 0.32 | 0.18 | 0.19 | 0.24 | 0.23 | 0.26 | 0.51 | 0.86 | 0.52 | 0.78 |
Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 10.31% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Compounded Sales Growth | |
---|---|
10 Years: | 74% |
5 Years: | 41% |
3 Years: | 55% |
TTM: | 27% |
Compounded Profit Growth | |
---|---|
10 Years: | 86% |
5 Years: | 67% |
3 Years: | 111% |
TTM: | 117% |
Stock Price CAGR | |
---|---|
10 Years: | % |
5 Years: | 46% |
3 Years: | 104% |
1 Year: | 99% |
Return on Equity | |
---|---|
10 Years: | 6% |
5 Years: | 6% |
3 Years: | 6% |
Last Year: | 6% |
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 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.71 | 4.10 | 4.10 | 5.34 | 10.69 | 38.23 | 63.59 |
Reserves | -0.33 | -0.32 | 0.05 | 0.26 | 2.07 | 2.68 | 4.95 | 5.38 | 7.40 | 2.98 | 12.36 | 58.25 |
0.00 | 0.00 | 0.00 | 0.00 | 4.74 | 19.22 | 27.44 | 27.84 | 76.70 | 89.73 | 94.65 | 0.00 | |
0.02 | 0.08 | 0.15 | 0.11 | 2.99 | 0.50 | 0.60 | 1.82 | 1.57 | 2.87 | 1.91 | 107.27 | |
Total Liabilities | 2.69 | 2.76 | 3.20 | 3.37 | 12.80 | 26.11 | 37.09 | 39.14 | 91.01 | 106.27 | 147.15 | 229.11 |
0.00 | 0.00 | 0.00 | 0.00 | 0.22 | 1.13 | 1.43 | 2.07 | 2.25 | 2.90 | 6.04 | 5.89 | |
CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Investments | 2.66 | 0.00 | 0.43 | 0.00 | 0.00 | 0.44 | 0.33 | 0.65 | 0.71 | 0.06 | 0.00 | 3.32 |
0.03 | 2.76 | 2.77 | 3.37 | 12.58 | 24.54 | 35.33 | 36.42 | 88.05 | 103.31 | 141.11 | 219.90 | |
Total Assets | 2.69 | 2.76 | 3.20 | 3.37 | 12.80 | 26.11 | 37.09 | 39.14 | 91.01 | 106.27 | 147.15 | 229.11 |
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 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
0.00 | -2.66 | 0.52 | 0.20 | 0.98 | 2.46 | 0.54 | 1.69 | 0.18 | 11.79 | 9.91 | 11.39 | |
0.00 | 2.66 | -0.43 | 0.44 | -0.23 | -0.93 | -0.47 | -1.17 | -0.58 | -14.53 | -28.80 | -48.17 | |
0.00 | 0.00 | 0.01 | -0.64 | 1.34 | -2.55 | 0.68 | -1.78 | 1.04 | 3.64 | 30.92 | 68.11 | |
Net Cash Flow | 0.00 | 0.00 | 0.10 | 0.00 | 2.09 | -1.02 | 0.74 | -1.26 | 0.64 | 0.90 | 12.03 | 31.33 |
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 | 12,501.25 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
Inventory Days | ||||||||||||
Days Payable | ||||||||||||
Cash Conversion Cycle | 12,501.25 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
Working Capital Days | 12,090.62 | 1,728.58 | 2,287.93 | 1,060.78 | 1.67 | 16.18 | -59.93 | -12.84 | -34.04 | 6.73 | -1,837.43 | |
ROCE % | 0.00% | 0.37% | 17.10% | 9.51% | 6.43% | 7.57% | 7.86% | 8.37% | 5.51% | 11.05% | 9.64% | 11.02% |
Documents
Announcements
-
Board Meeting Intimation for Board Meeting To Be Held On Saturday, 26Th July 2025
2d - Board meeting on July 26 to approve Q1 results and consider issuing secured non-convertible debentures.
-
Reply With Respect To The Email Received From BSE Limited ('BSE') Dated 16Th July, 2025 In Respect To The Discrepancy In Corporate Announcement Submitted By The Company Under Regulation 30 Of SEBI (LODR) Regulations, 2015
19 Jul - Company explains delay in announcing Company Secretary resignation due to misprint and medical issue.
-
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
15 Jul - Certificate confirming timely dematerialization and cancellation of physical securities for Q1 FY2025-26.
-
Revised Audit Report For The Financial Year Ended On 31St March, 2025
15 Jul - Revised audit report issued; Company Secretary and Internal Auditor resigned effective 8 July 2025.
-
Cessation Of Internal Auditor Of The Company
15 Jul - Revised audit report issued; Company Secretary and Internal Auditor resigned effective 8 July 2025.
Business Overview:[1]
Company provides working capital finance to Indian SMEs, and micro-credit to women and MSMEs of in India. The credit extended is utilized majorly in agriculture and allied activities and in small businesses. Apart from this, company offers flexible, short-term loans that can be used to purchase inventory, business expansion, mining equipment’s loans for Plant and Machinery, Office furniture, display panels, office automation like PCs, laptops and printers