Regency Fincorp Ltd

₹ 9.10 4.96%
02 Feb 1:45 p.m.
About

Incorporated in 1993, Regency Fincorp Ltd is a non-deposit taking NBFC

Key Points

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

  • Market Cap 9.72 Cr.
  • Current Price 9.10
  • High / Low 9.10 / 3.08
  • Stock P/E 10.1
  • Book Value 17.5
  • Dividend Yield 0.00 %
  • ROCE 5.52 %
  • ROE 4.86 %
  • Face Value 10.0

Pros

  • Company has reduced debt.
  • Company is almost debt free.
  • Stock is trading at 0.52 times its book value

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Promoter holding is low: 25.0%
  • Company has a low return on equity of 5.02% 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

Sector: Finance Industry: Finance & Investments

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Quarterly Results

Figures in Rs. Crores

Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022
0.88 0.86 0.79 1.22 1.40 1.95 1.17 1.36 1.48 1.38 2.84 3.37 3.64
0.18 0.50 0.18 0.29 0.59 1.18 0.42 0.46 0.54 0.40 0.43 0.55 0.54
Operating Profit 0.70 0.36 0.61 0.93 0.81 0.77 0.75 0.90 0.94 0.98 2.41 2.82 3.10
OPM % 79.55% 41.86% 77.22% 76.23% 57.86% 39.49% 64.10% 66.18% 63.51% 71.01% 84.86% 83.68% 85.16%
0.00 0.05 0.00 0.00 0.01 0.01 0.00 0.00 0.03 0.05 0.02 0.01 0.00
Interest 0.52 0.51 0.53 0.57 0.61 0.59 0.65 0.65 0.53 0.77 2.14 2.35 2.45
Depreciation 0.00 0.12 0.04 0.05 0.05 0.07 0.08 0.08 0.09 0.08 0.10 0.10 0.10
Profit before tax 0.18 -0.22 0.04 0.31 0.16 0.12 0.02 0.17 0.35 0.18 0.19 0.38 0.55
Tax % 0.00% 0.00% 25.00% 25.81% 25.00% 25.00% 50.00% 23.53% 25.71% 27.78% 26.32% 26.32% 25.45%
Net Profit 0.18 -0.22 0.03 0.24 0.12 0.08 0.02 0.12 0.26 0.13 0.14 0.28 0.41
EPS in Rs 0.12 -0.13 0.02 0.15 0.07 0.05 0.01 0.11 0.24 0.12 0.13 0.26 0.38
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 TTM
0.00 0.00 0.00 0.00 0.08 0.53 0.41 0.64 2.19 3.61 5.36 5.40 11.23
0.00 0.00 0.00 0.00 0.07 0.05 0.12 0.21 0.83 1.01 2.07 1.57 1.92
Operating Profit 0.00 0.00 0.00 0.00 0.01 0.48 0.29 0.43 1.36 2.60 3.29 3.83 9.31
OPM % 12.50% 90.57% 70.73% 67.19% 62.10% 72.02% 61.38% 70.93% 82.90%
0.00 0.00 0.00 0.00 0.00 0.01 0.01 0.00 0.00 0.00 -0.04 0.03 0.08
Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.11 0.85 1.91 2.43 2.80 7.71
Depreciation 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.01 0.02 0.16 0.21 0.34 0.38
Profit before tax 0.00 0.00 0.00 0.00 0.01 0.49 0.30 0.31 0.49 0.53 0.61 0.72 1.30
Tax % 0.00% 22.45% 30.00% 25.81% 26.53% 30.19% 29.51% 23.61%
Net Profit 0.00 0.00 0.00 0.00 0.01 0.38 0.21 0.23 0.36 0.38 0.42 0.55 0.96
EPS in Rs 0.00 0.00 0.00 0.00 0.01 0.32 0.18 0.19 0.24 0.23 0.26 0.51 0.89
Dividend Payout % 0.00% 0.00% 0.00% 0.00% 10.31% 0.00% 0.00% 0.00%
Compounded Sales Growth
10 Years: %
5 Years: 67%
3 Years: 35%
TTM: 88%
Compounded Profit Growth
10 Years: %
5 Years: 20%
3 Years: 14%
TTM: 100%
Stock Price CAGR
10 Years: %
5 Years: -2%
3 Years: 17%
1 Year: 58%
Return on Equity
10 Years: 5%
5 Years: 6%
3 Years: 5%
Last Year: 5%

Balance Sheet

Figures in Rs. Crores

Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Sep 2022
3.00 3.00 3.00 3.00 3.00 3.00 3.00 3.00 3.71 4.10 4.10 5.34 5.34
Reserves -0.33 -0.34 -0.34 -0.33 -0.32 0.05 0.26 0.47 2.68 4.54 4.97 7.40 7.97
0.01 0.00 0.00 0.00 0.00 0.00 0.00 4.74 19.22 27.44 27.84 76.70 0.00
-0.01 0.01 0.02 0.02 0.08 0.15 0.11 4.59 0.50 1.01 2.23 1.57 95.66
Total Liabilities 2.67 2.67 2.68 2.69 2.76 3.20 3.37 12.80 26.11 37.09 39.14 91.01 108.97
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.22 1.13 1.43 2.07 2.25 2.34
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 0.00
Investments 2.66 2.66 2.66 2.66 0.00 0.43 0.00 0.00 0.44 0.33 0.65 0.71 0.71
0.01 0.01 0.02 0.03 2.76 2.77 3.37 12.58 24.54 35.33 36.42 88.05 105.92
Total Assets 2.67 2.67 2.68 2.69 2.76 3.20 3.37 12.80 26.11 37.09 39.14 91.01 108.97

Cash Flows

Figures in Rs. Crores

Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
0.00 0.00 0.00 0.00 -2.66 0.52 0.20 0.98 2.46 0.54 1.69 0.18
0.00 0.00 0.00 0.00 2.66 -0.43 0.44 -0.23 -0.93 -0.47 -1.17 -0.58
0.00 0.00 0.00 0.00 0.00 0.01 -0.64 1.34 -2.55 0.68 -1.78 1.04
Net Cash Flow 0.00 0.00 0.00 0.00 0.00 0.10 0.00 2.09 -1.02 0.74 -1.26 0.64

Ratios

Figures in Rs. Crores

Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Debtor Days 12,501.25 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
Working Capital Days 12,090.62 1,728.58 2,287.93 1,060.78 1.67 16.18 -59.93 -12.84
ROCE % 0.00% 0.00% 0.00% 0.00% 0.37% 17.10% 9.51% 7.32% 7.92% 7.91% 8.47% 5.52%

Shareholding Pattern

Numbers in percentages

2 recently
Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022
10.68 10.68 10.68 10.68 10.68 10.68 24.98 24.98 24.98 24.98 24.98 24.98
89.32 89.32 89.32 89.32 89.32 89.32 75.02 75.02 75.02 75.02 75.01 75.03

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