Regency Fincorp Ltd

Regency Fincorp Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Regency Fincorp Ltd

₹ 30.7 0.23%
14 Aug - close price
regencyinvestments.co.in BSE: 540175
About

Incorporated in 1993, Regency Fincorp Ltd is in the business of a Non-Banking Financial Institution. [1]

Key Points

Business Overview:[1]
RFL is a non-deposit, non-systemically important NBFC registered with the RBI. It provides customer-centric financial services, mainly in the form of micro-credit, to the underserved and unserved women population and MSMEs of the country.

Website BSE
  • Market Cap ₹ 195 Cr.
  • Current Price ₹ 30.7
  • High / Low ₹ 43.6 / 13.3
  • Stock P/E 25.8
  • Book Value ₹ 19.2
  • Dividend Yield 0.00 %
  • ROCE 11.0 %
  • ROE 5.78 %
  • Face Value ₹ 10.0
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Pros

  • Company has reduced debt.
  • Company is almost debt free.
  • Company is expected to give good quarter
  • Company has delivered good profit growth of 67.3% CAGR over last 5 years

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Promoter holding has decreased over last quarter: -0.60%
  • Promoter holding is low: 16.9%
  • 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

Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
2.84 3.37 3.64 3.65 3.40 3.96 4.08 3.84 3.49 4.01 5.16 7.30 7.76
0.43 0.55 0.54 0.96 0.62 0.91 0.79 1.04 1.00 1.30 1.27 2.67 2.42
Operating Profit 2.41 2.82 3.10 2.69 2.78 3.05 3.29 2.80 2.49 2.71 3.89 4.63 5.34
OPM % 84.86% 83.68% 85.16% 73.70% 81.76% 77.02% 80.64% 72.92% 71.35% 67.58% 75.39% 63.42% 68.81%
0.02 0.01 0.00 0.02 0.02 0.12 0.11 0.21 0.16 0.20 0.23 1.11 1.58
Interest 2.14 2.35 2.45 2.45 2.27 2.40 2.44 1.86 1.75 1.66 2.57 2.02 2.28
Depreciation 0.10 0.10 0.10 0.12 0.16 0.21 0.25 0.23 0.17 0.17 0.17 0.22 0.24
Profit before tax 0.19 0.38 0.55 0.14 0.37 0.56 0.71 0.92 0.73 1.08 1.38 3.50 4.40
Tax % 26.32% 26.32% 25.45% 42.86% 27.03% 26.79% 25.35% 18.48% 26.03% 25.93% 25.36% 26.29% 28.18%
0.14 0.28 0.41 0.09 0.27 0.42 0.53 0.75 0.54 0.80 1.03 2.59 3.16
EPS in Rs 0.13 0.26 0.38 0.08 0.25 0.12 0.15 0.20 0.12 0.18 0.21 0.41 0.50
Raw PDF

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 TTM
0.00 0.08 0.53 0.41 0.64 2.19 3.61 5.36 5.40 13.51 15.73 19.96 24.23
0.00 0.07 0.05 0.12 0.21 0.83 1.01 2.07 1.57 2.46 2.90 6.24 7.66
Operating Profit 0.00 0.01 0.48 0.29 0.43 1.36 2.60 3.29 3.83 11.05 12.83 13.72 16.57
OPM % 12.50% 90.57% 70.73% 67.19% 62.10% 72.02% 61.38% 70.93% 81.79% 81.56% 68.74% 68.39%
0.00 0.00 0.01 0.01 0.00 0.00 0.00 -0.04 0.03 0.01 -0.45 1.71 3.12
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 8.53
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 0.80
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 6.69 10.36
Tax % 0.00% 22.45% 30.00% 25.81% 26.53% 30.19% 29.51% 23.61% 27.56% 23.44% 25.71%
0.00 0.01 0.38 0.21 0.23 0.36 0.38 0.42 0.55 0.92 1.97 4.98 7.58
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 1.30
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: 58%
Compounded Profit Growth
10 Years: 86%
5 Years: 67%
3 Years: 111%
TTM: 238%
Stock Price CAGR
10 Years: %
5 Years: 40%
3 Years: 97%
1 Year: 123%
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% 11.01%

Shareholding Pattern

Numbers in percentages

8 Recently
Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025
24.98% 24.98% 24.98% 24.98% 23.17% 23.19% 23.19% 22.90% 23.43% 23.13% 17.46% 16.86%
75.01% 75.03% 75.02% 75.01% 76.84% 76.83% 76.81% 77.11% 76.57% 76.88% 82.53% 83.15%
No. of Shareholders 1,6693,8913,8853,7333,7513,8904,4214,6786,5596,4636,3866,195

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