Regency Fincorp Ltd

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

Regency Fincorp Ltd

₹ 34.5 -0.14%
14 May - 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 ₹ 276 Cr.
  • Current Price ₹ 34.5
  • High / Low ₹ 46.7 / 22.7
  • Stock P/E 20.6
  • Book Value ₹ 20.0
  • Dividend Yield 0.00 %
  • ROCE 10.5 %
  • ROE 9.51 %
  • Face Value ₹ 10.0
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Pros

  • Company is expected to give good quarter
  • Company has delivered good profit growth of 96.3% CAGR over last 5 years

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Promoter holding is low: 23.7%
  • Company has a low return on equity of 8.11% over last 3 years.
  • Company might be capitalizing the interest cost

* 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

Standalone Figures in Rs. Crores / View Consolidated

Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
3.65 3.40 3.96 4.08 3.84 3.49 4.01 5.16 7.30 7.76 7.80 8.63 10.28
0.96 0.62 0.91 0.79 1.04 1.00 1.30 1.27 2.67 2.42 2.24 1.84 4.18
Operating Profit 2.69 2.78 3.05 3.29 2.80 2.49 2.71 3.89 4.63 5.34 5.56 6.79 6.10
OPM % 73.70% 81.76% 77.02% 80.64% 72.92% 71.35% 67.58% 75.39% 63.42% 68.81% 71.28% 78.68% 59.34%
0.02 0.02 0.12 0.11 0.21 0.16 0.20 0.23 1.11 1.58 1.75 0.52 1.74
Interest 2.45 2.27 2.40 2.44 1.86 1.75 1.66 2.57 2.02 2.28 2.55 2.51 2.94
Depreciation 0.12 0.16 0.21 0.25 0.23 0.17 0.17 0.17 0.22 0.24 0.22 0.21 0.20
Profit before tax 0.14 0.37 0.56 0.71 0.92 0.73 1.08 1.38 3.50 4.40 4.54 4.59 4.70
Tax % 42.86% 27.03% 26.79% 25.35% 18.48% 26.03% 25.93% 25.36% 26.29% 28.18% 26.87% 25.93% 24.68%
0.09 0.27 0.42 0.53 0.75 0.54 0.80 1.03 2.59 3.16 3.32 3.40 3.53
EPS in Rs 0.08 0.25 0.12 0.15 0.20 0.12 0.18 0.21 0.41 0.45 0.48 0.42 0.44
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
0 1 0 1 2 4 5 5 14 16 21 34
0 0 0 0 1 1 2 2 2 3 6 11
Operating Profit 0 0 0 0 1 3 3 4 11 13 16 24
OPM % 12% 91% 71% 67% 62% 72% 61% 71% 82% 82% 73% 69%
0 0 0 0 0 0 -0 0 0 -0 -0 6
Interest 0 0 0 0 1 2 2 3 9 9 8 10
Depreciation 0 0 0 0 0 0 0 0 0 1 1 1
Profit before tax 0 0 0 0 0 1 1 1 1 3 7 18
Tax % 0% 22% 30% 26% 27% 30% 30% 24% 28% 23% 26% 26%
0 0 0 0 0 0 0 1 1 2 5 13
EPS in Rs 0.01 0.32 0.18 0.19 0.24 0.23 0.26 0.51 0.86 0.52 0.78 1.67
Dividend Payout % 0% 0% 0% 0% 10% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: 52%
5 Years: 45%
3 Years: 37%
TTM: 61%
Compounded Profit Growth
10 Years: 43%
5 Years: 96%
3 Years: 144%
TTM: 152%
Stock Price CAGR
10 Years: %
5 Years: 42%
3 Years: 61%
1 Year: 12%
Return on Equity
10 Years: 8%
5 Years: 8%
3 Years: 8%
Last Year: 10%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 3 3 3 3 4 4 4 5 11 38 64 80
Reserves -0 0 0 2 3 5 5 7 3 12 58 80
0 0 0 5 19 27 28 77 90 95 105 156
0 0 0 3 0 1 2 2 3 2 3 13
Total Liabilities 3 3 3 13 26 37 39 91 106 147 229 329
0 0 0 0 1 1 2 2 3 6 6 6
CWIP 0 0 0 0 0 0 0 0 0 0 0 0
Investments 0 0 0 0 0 0 1 1 0 0 3 1
3 3 3 13 25 35 36 88 103 141 220 321
Total Assets 3 3 3 13 26 37 39 91 106 147 229 329

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-3 1 0 1 2 1 2 0 12 10 11 28
3 -0 0 -0 -1 -0 -1 -1 -15 -29 -48 -88
0 0 -1 1 -3 1 -2 1 4 31 68 66
Net Cash Flow 0 0 0 2 -1 1 -1 1 1 12 31 6
Free Cash Flow -3 1 0 1 2 -0 1 -0 11 6 11 26
CFO/OP -26,600% 108% 69% 228% 181% 21% 51% 5% 110% 82% 84% 137%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Debtor Days 12,501 0 0 0 0 0 0 0 0 0 0 0
Inventory Days
Days Payable
Cash Conversion Cycle 12,501 0 0 0 0 0 0 0 0 0 0 0
Working Capital Days 12,091 1,729 2,288 1,061 2 16 -60 -13 -34 7 25 -1,549
ROCE % 0% 17% 10% 6% 8% 8% 8% 6% 11% 10% 8% 11%

Insights

In beta
Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Assets Under Management (AUM) / Loan Portfolio
INR Crore

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Gross NPA (GNPA)
%
Net NPA (NNPA)
%
Number of Branches
Number
Capital Adequacy Ratio (CRAR)
%
Collection Efficiency
%
Number of Employees
Number

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Shareholding Pattern

Numbers in percentages

6 Recently
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
24.98% 23.17% 23.19% 23.19% 22.90% 23.43% 23.13% 17.46% 16.86% 17.58% 23.74% 23.74%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.98% 1.19% 1.19%
75.01% 76.84% 76.83% 76.81% 77.11% 76.57% 76.88% 82.53% 83.15% 81.44% 75.07% 75.07%
No. of Shareholders 3,7333,7513,8904,4214,6786,5596,4636,3866,1956,4346,1035,771

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Documents

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